SBA 7(a) lenders in Onondaga, NY

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.

Lenders

90 institutions have SBA 7(a) loans on record in Onondaga, together $452.5M across 1,809 loans. Manufacturers and Traders Trust Company is the largest, with 25% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Manufacturers and Traders Trust Company	827	$114.3M	25.3%	1.92%
2	KeyBank National Association	215	$33.5M	7.4%	4.38%
3	Live Oak Banking Company	21	$30.0M	6.6%	0.00%
4	Solvay Bank	99	$22.0M	4.9%	1.82%
5	Byline Bank	8	$18.1M	4.0%	0.00%
6	NBT Bank, National Association	83	$17.9M	4.0%	0.74%
7	New York Business Development Corporation	28	$16.0M	3.5%	8.77%
8	Peapack Private Bank and Trust	4	$13.8M	3.0%	0.00%
9	Wells Fargo Bank National Association	15	$11.8M	2.6%	5.85%
10	Truist Bank	3	$11.7M	2.6%	0.00%
11	Newtek Bank, National Association	12	$10.5M	2.3%	0.00%
12	The MINT National Bank	2	$10.0M	2.2%	0.00%
13	Newtek Small Business Finance, Inc.	4	$8.2M	1.8%	0.52%
14	Shoreham Bank	2	$7.5M	1.7%	0.00%
15	Beacon Bank and Trust	68	$6.7M	1.5%	0.00%
16	JPMorgan Chase Bank, National Association	54	$6.6M	1.5%	5.81%
17	Columbia Bank	3	$6.4M	1.4%	0.00%
18	Citizens Bank, National Association	49	$5.7M	1.3%	2.46%
19	FDIC - Community Bank & Trust-West Georgia	3	$5.6M	1.2%	0.00%
20	Adirondack Bank	19	$5.3M	1.2%	8.87%
21	Americu CU	2	$4.4M	1.0%	0.00%
22	US Eagle FCU	1	$4.2M	0.9%	0.00%
23	Hanover Community Bank	2	$4.1M	0.9%	0.00%
24	Celtic Bank Corporation	9	$4.0M	0.9%	3.39%
25	22nd State Bank, A Division of 22nd State Banking Company	2	$3.5M	0.8%	0.00%
26	Pathfinder Bank	22	$3.5M	0.8%	0.00%
27	Community Bank, National Association	25	$3.3M	0.7%	0.00%
28	Tompkins Community Bank	13	$2.9M	0.6%	0.00%
29	East West Bank	2	$2.8M	0.6%	0.00%
30	BayFirst National Bank	14	$2.8M	0.6%	0.00%
31	Wallis Bank	1	$2.7M	0.6%	0.00%
32	First Financial Bank	2	$2.6M	0.6%	0.00%
33	First Western SBLC, LLC	2	$2.6M	0.6%	0.00%
34	Fulton Bank, National Association	1	$2.5M	0.6%	0.00%
35	CIBC Bank USA	4	$2.4M	0.5%	0.00%
36	United Midwest Savings Bank National Association	6	$2.0M	0.4%	0.00%
37	Readycap Lending, LLC	9	$2.0M	0.4%	0.00%
38	Empower FCU	15	$2.0M	0.4%	12.59%
39	Stearns Bank National Association	6	$1.9M	0.4%	7.55%
40	Fifth Third Bank	1	$1.9M	0.4%	0.00%
41	Northeast Bank	12	$1.8M	0.4%	0.00%
42	TD Bank, National Association	2	$1.7M	0.4%	0.00%
43	Pathward National Association	1	$1.6M	0.4%	0.00%
44	Harvest Small Business Finance, LLC	1	$1.6M	0.4%	0.00%
45	Stone Bank	2	$1.5M	0.3%	0.00%
46	Empire State Certified Development Corporation	13	$1.5M	0.3%	3.90%
47	Capital One National Association	4	$1.4M	0.3%	0.00%
48	Firstrust Savings Bank	3	$1.4M	0.3%	0.00%
49	The Lyons National Bank	13	$1.4M	0.3%	0.00%
50	First National Bank of Pennsylvania	1	$1.3M	0.3%	0.00%
51	Grow America Fund, Incorporated	3	$1.3M	0.3%	0.00%
52	TowneBank	4	$1.2M	0.3%	0.00%
53	Watertown Savings Bank	4	$1.1M	0.2%	28.74%
54	The Huntington National Bank	3	$975K	0.2%	0.00%
55	Popular Bank	3	$957K	0.2%	19.68%
56	Capital Bank, National Association	1	$750K	0.2%	0.00%
57	Commonwealth Business Bank	1	$728K	0.2%	0.00%
58	Genesee Regional Bank	4	$675K	0.1%	0.00%
59	NYBDC Local Development Corporation dba Pursuit Community Finance	4	$668K	0.1%	0.00%
60	Chemung Canal Trust Company	7	$660K	0.1%	0.00%
61	FWBank	1	$648K	0.1%	0.00%
62	Five Star Bank	2	$640K	0.1%	0.00%
63	Happen Bank	2	$538K	0.1%	24.84%
64	Pentagon FCU	1	$518K	0.1%	91.32%
65	First Bank	2	$430K	0.1%	0.00%
66	Northern Federal Credit Union	1	$430K	0.1%	0.00%
67	Five Star Bank	8	$417K	0.1%	0.00%
68	Bank of America, National Association	6	$410K	0.1%	8.47%
69	Citizens Bank	1	$387K	0.1%	0.00%
70	PNC Bank, National Association	1	$329K	0.1%	0.00%
71	Banc of California	1	$322K	0.1%	0.00%
72	Lendistry SBLC, LLC	3	$313K	0.1%	0.00%
73	Visions FCU	3	$310K	0.1%	57.65%
74	Seacoast National Bank	1	$300K	0.1%	0.00%
75	Grasshopper Bank National Association	1	$300K	0.1%	0.00%
76	First Bank	1	$265K	0.1%	0.00%
77	CenTrust Bank, A Division of SmartBiz Bank National Association	2	$258K	0.1%	0.00%
78	HSBC Bank USA National Association	8	$248K	0.1%	32.99%
79	First Merchants Bank	1	$245K	0.1%	0.00%
80	Northwest Bank	1	$219K	0.0%	0.00%
81	Magnifi Financial CU	1	$215K	0.0%	0.00%
82	Simmons Bank	1	$200K	0.0%	0.00%
83	The Canandaigua National Bank and Trust Company	3	$170K	0.0%	10.07%
84	Colony Bank	1	$150K	0.0%	0.00%
85	Georgia Banking Company	1	$150K	0.0%	0.00%
86	CDC Small Business Finance Corp.	2	$147K	0.0%	0.00%
87	The Upstate National Bank	1	$138K	0.0%	0.00%
88	Tioga State Bank, National Association	2	$105K	0.0%	0.00%
89	VelocitySBA, LLC	5	$43K	0.0%	37.33%
90	Independence Bank	1	$25K	0.0%	94.48%

Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.

What the money went into

Rank	Industry	Loans	Approved	Share of county
1	Accommodation & food services	241	$98.1M	21.7%
2	Construction	274	$55.7M	12.3%
3	Professional & technical services	179	$38.4M	8.5%
4	Administrative & waste services	121	$30.7M	6.8%
5	Other services	142	$26.8M	5.9%
6	Manufacturing	36	$25.3M	5.6%
7	Retail trade	146	$24.6M	5.4%
8	Retail trade	94	$18.8M	4.2%
9	Health care & social assistance	113	$18.6M	4.1%
10	Wholesale trade	91	$17.6M	3.9%
11	Manufacturing	67	$16.2M	3.6%
12	Arts, entertainment & recreation	58	$15.3M	3.4%
13	Real estate & leasing	32	$15.1M	3.3%
14	Finance & insurance	34	$10.8M	2.4%
15	Information	24	$9.7M	2.2%
16	Manufacturing	38	$9.5M	2.1%
17	Transportation & warehousing	63	$9.3M	2.1%
18	Transportation & warehousing	12	$7.1M	1.6%
19	Educational services	28	$3.7M	0.8%
20	Agriculture, forestry & fishing	11	$703K	0.2%
21	Management of companies	1	$225K	0.0%
22	Mining & extraction	1	$150K	0.0%
23	Public administration	1	$110K	0.0%
24	Utilities	2	$60K	0.0%

Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.

About this data

Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.