SBA 7(a) lenders in Ontario, NY

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

Lenders

45 institutions have SBA 7(a) loans on record in Ontario, together $127.7M across 615 loans. The Lyons National Bank is the largest, with 15% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	The Lyons National Bank	65	$18.5M	14.5%	0.00%
2	Manufacturers and Traders Trust Company	91	$13.1M	10.3%	2.09%
3	Genesee Regional Bank	42	$10.7M	8.4%	0.59%
4	Five Star Bank	146	$10.3M	8.1%	0.50%
5	The Canandaigua National Bank and Trust Company	50	$8.7M	6.8%	1.34%
6	ESL FCU	67	$7.9M	6.2%	0.54%
7	Celtic Bank Corporation	4	$6.9M	5.4%	0.00%
8	KeyBank National Association	42	$6.4M	5.0%	6.06%
9	Hanover Community Bank	3	$6.3M	5.0%	0.00%
10	New York Business Development Corporation	5	$5.4M	4.2%	3.63%
11	The Bancorp Bank National Association	2	$4.2M	3.3%	0.00%
12	Newtek Small Business Finance, Inc.	1	$3.1M	2.4%	0.00%
13	Live Oak Banking Company	4	$2.9M	2.3%	0.00%
14	Wells Fargo Bank National Association	2	$2.5M	2.0%	0.00%
15	First Merchants Bank	1	$2.0M	1.6%	0.00%
16	Hanmi Bank	1	$1.9M	1.4%	0.00%
17	Community Bank, National Association	17	$1.6M	1.2%	0.00%
18	Citizens Bank, National Association	15	$1.6M	1.2%	0.00%
19	First National Bank of Pennsylvania	1	$1.5M	1.2%	0.00%
20	Wayne Bank	4	$1.3M	1.0%	0.00%
21	Readycap Lending, LLC	2	$1.2M	1.0%	0.00%
22	The Huntington National Bank	4	$1.1M	0.8%	0.00%
23	Northwest Bank	2	$1.0M	0.8%	0.00%
24	JPMorgan Chase Bank, National Association	7	$956K	0.7%	0.00%
25	Northeast Bank	5	$821K	0.6%	0.00%
26	Genesis Bank	1	$712K	0.6%	0.00%
27	Provident Bank	1	$650K	0.5%	0.00%
28	Reliant Community Federal Credit Union	4	$584K	0.5%	16.55%
29	Bank of America, National Association	2	$500K	0.4%	0.00%
30	Newtek Bank, National Association	1	$450K	0.4%	0.00%
31	The Upstate National Bank	2	$400K	0.3%	0.00%
32	Pathward National Association	1	$374K	0.3%	0.00%
33	BayFirst National Bank	2	$355K	0.3%	0.00%
34	Stearns Bank National Association	1	$304K	0.2%	0.00%
35	Independence Bank	2	$275K	0.2%	0.00%
36	Tompkins Community Bank	3	$203K	0.2%	0.00%
37	Heritage Bank Inc	1	$150K	0.1%	0.00%
38	United Midwest Savings Bank National Association	1	$150K	0.1%	0.00%
39	Empire State Certified Development Corporation	1	$114K	0.1%	0.00%
40	Seacoast National Bank	1	$104K	0.1%	0.00%
41	New Millennium Bank	1	$100K	0.1%	0.00%
42	CDC Small Business Finance Corp.	1	$75K	0.1%	0.00%
43	HSBC Bank USA National Association	1	$73K	0.1%	0.00%
44	VelocitySBA, LLC	4	$53K	0.0%	0.00%
45	TD Bank, National Association	1	$50K	0.0%	0.00%

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	74	$17.6M	13.8%
2	Manufacturing	39	$14.3M	11.2%
3	Retail trade	49	$9.7M	7.6%
4	Health care & social assistance	36	$9.5M	7.4%
5	Construction	70	$9.3M	7.3%
6	Other services	61	$9.2M	7.2%
7	Arts, entertainment & recreation	19	$8.3M	6.5%
8	Manufacturing	28	$6.6M	5.2%
9	Retail trade	43	$5.7M	4.4%
10	Real estate & leasing	15	$5.5M	4.3%
11	Finance & insurance	9	$5.4M	4.2%
12	Wholesale trade	20	$5.3M	4.1%
13	Professional & technical services	31	$4.0M	3.1%
14	Administrative & waste services	44	$3.9M	3.0%
15	Information	13	$3.8M	3.0%
16	Manufacturing	19	$3.6M	2.8%
17	Transportation & warehousing	24	$3.4M	2.6%
18	Agriculture, forestry & fishing	15	$2.1M	1.7%
19	Utilities	2	$450K	0.4%
20	Educational services	4	$300K	0.2%

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.