SBA 7(a) lenders in Orleans, NY
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
20 institutions have SBA 7(a) loans on record in Orleans, together $27.2M across 203 loans. ESL FCU is the largest, with 17% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | ESL FCU | 24 | $4.7M | 17.3% | 0.00% |
| 2 | Live Oak Banking Company | 2 | $3.5M | 12.9% | 0.00% |
| 3 | KeyBank National Association | 24 | $3.0M | 10.8% | 9.92% |
| 4 | Tompkins Community Bank | 25 | $2.8M | 10.3% | 0.00% |
| 5 | Five Star Bank | 53 | $2.7M | 10.0% | 0.00% |
| 6 | Manufacturers and Traders Trust Company | 46 | $2.7M | 9.8% | 1.36% |
| 7 | New York Business Development Corporation | 3 | $2.2M | 8.1% | 0.00% |
| 8 | Capital Community Bank | 1 | $1.6M | 6.0% | 0.00% |
| 9 | Citizens Bank, National Association | 3 | $843K | 3.1% | 0.00% |
| 10 | North Valley Bank | 1 | $649K | 2.4% | 0.00% |
| 11 | NBT Bank, National Association | 4 | $635K | 2.3% | 0.00% |
| 12 | Genesee Regional Bank | 2 | $550K | 2.0% | 0.00% |
| 13 | JPMorgan Chase Bank, National Association | 3 | $301K | 1.1% | 0.00% |
| 14 | BayFirst National Bank | 2 | $300K | 1.1% | 0.00% |
| 15 | Celtic Bank Corporation | 3 | $270K | 1.0% | 0.00% |
| 16 | The Canandaigua National Bank and Trust Company | 3 | $235K | 0.9% | 0.00% |
| 17 | Newtek Small Business Finance, Inc. | 1 | $105K | 0.4% | 0.00% |
| 18 | Northwest Bank | 1 | $93K | 0.3% | 0.00% |
| 19 | HSBC Bank USA National Association | 1 | $30K | 0.1% | 99.81% |
| 20 | VelocitySBA, LLC | 1 | $20K | 0.1% | 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 | 27 | $6.8M | 25.1% |
| 2 | Retail trade | 23 | $5.0M | 18.3% |
| 3 | Manufacturing | 15 | $2.7M | 10.0% |
| 4 | Arts, entertainment & recreation | 9 | $2.3M | 8.3% |
| 5 | Health care & social assistance | 1 | $1.8M | 6.6% |
| 6 | Other services | 16 | $1.6M | 5.8% |
| 7 | Real estate & leasing | 10 | $1.3M | 4.6% |
| 8 | Manufacturing | 9 | $1.0M | 3.8% |
| 9 | Professional & technical services | 11 | $978K | 3.6% |
| 10 | Administrative & waste services | 14 | $932K | 3.4% |
| 11 | Construction | 23 | $861K | 3.2% |
| 12 | Wholesale trade | 10 | $722K | 2.7% |
| 13 | Retail trade | 10 | $485K | 1.8% |
| 14 | Transportation & warehousing | 9 | $353K | 1.3% |
| 15 | Agriculture, forestry & fishing | 11 | $233K | 0.9% |
| 16 | Finance & insurance | 1 | $75K | 0.3% |
| 17 | Manufacturing | 3 | $62K | 0.2% |
| 18 | Transportation & warehousing | 1 | $50K | 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.