SBA 7(a) lenders in VT

Approvals from SBA fiscal year 2008 onward. Source data as of 2026-06-30.

110 institutions have SBA 7(a) loans on record in VT, together $730.9M across 3,923 loans.

Shaded by rank among this state's counties, on total approvals.lessmore

Hover a county for its totals, click to open it.

Largest lenders

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Manufacturers and Traders Trust Company	531	$92.5M	12.7%	3.37%
2	Community National Bank	472	$88.2M	12.1%	1.00%
3	TD Bank, National Association	351	$55.2M	7.6%	2.89%
4	Beacon Bank and Trust	231	$42.2M	5.8%	0.84%
5	Live Oak Banking Company	36	$37.0M	5.1%	1.67%
6	KeyBank National Association	130	$34.6M	4.7%	4.49%
7	Union Bank	200	$26.0M	3.6%	0.60%
8	Bar Harbor Bank & Trust	147	$22.4M	3.1%	1.96%
9	Mascoma Bank	65	$17.7M	2.4%	3.08%
10	National Bank of Middlebury	144	$16.6M	2.3%	1.77%
11	Ledyard National Bank	29	$15.4M	2.1%	0.00%
12	NBT Bank, National Association	33	$13.6M	1.9%	0.59%
13	Peoples Trust Company of St. Albans	141	$13.5M	1.8%	3.23%
14	North Country Federal Credit Union	184	$12.1M	1.6%	0.41%
15	Byline Bank	6	$11.9M	1.6%	0.00%
16	Heritage Family FCU	109	$11.8M	1.6%	1.25%
17	Green Mountain CU	131	$11.7M	1.6%	2.50%
18	EastRise Federal Credit Union	141	$11.4M	1.6%	1.43%
19	Citizens Bank, National Association	117	$10.8M	1.5%	4.88%
20	Vermont 504 Corporation	76	$9.7M	1.3%	0.58%
21	Passumpsic Savings Bank	128	$9.2M	1.3%	8.06%
22	Newtek Small Business Finance, Inc.	17	$8.6M	1.2%	0.83%
23	Vermont FCU	99	$8.5M	1.2%	2.48%
24	Celtic Bank Corporation	16	$8.5M	1.2%	0.86%
25	Newtek Bank, National Association	10	$8.4M	1.1%	0.00%
26	Northfield Savings Bank	5	$8.3M	1.1%	0.00%
27	The Huntington National Bank	17	$8.3M	1.1%	0.00%
28	Community Bank, National Association	43	$7.7M	1.0%	0.00%
29	United Midwest Savings Bank National Association	8	$6.9M	0.9%	0.00%
30	The Bank of Bennington	64	$6.5M	0.9%	7.10%
31	BankUnited, National Association	3	$5.9M	0.8%	0.00%
32	Banc of California	5	$5.2M	0.7%	0.00%
33	Bank Five Nine	2	$5.0M	0.7%	0.00%
34	MVB Bank, Inc.	1	$4.6M	0.6%	0.00%
35	First Bank of the Lake	2	$4.6M	0.6%	0.00%
36	Readycap Lending, LLC	9	$3.8M	0.5%	5.84%
37	Northeast Bank	28	$3.6M	0.5%	3.07%
38	National Cooperative Bank, National Association	1	$3.1M	0.4%	0.00%
39	SouthState Bank, National Association	6	$2.6M	0.4%	0.00%
40	BayFirst National Bank	19	$2.6M	0.4%	0.00%
41	The Brattleboro Savings & Loan Association	14	$2.5M	0.3%	4.02%
42	Hanmi Bank	2	$2.5M	0.3%	0.00%
43	CRF Small Business Loan Company, LLC	1	$2.3M	0.3%	0.00%
44	U.S. Bank, National Association	3	$2.1M	0.3%	0.00%
45	IncredibleBank	1	$1.9M	0.3%	0.00%
46	VelocitySBA, LLC	7	$1.8M	0.3%	1.08%
47	Vermont Community Loan Fund, Inc.	18	$1.8M	0.2%	0.00%
48	Wells River Savings Bank	9	$1.8M	0.2%	15.51%
49	The MINT National Bank	1	$1.7M	0.2%	0.00%
50	MASSACHUSETTS BUSINESS	1	$1.7M	0.2%	0.00%
51	Claremont Savings Bank	8	$1.6M	0.2%	0.00%
52	Wells Fargo Bank National Association	4	$1.4M	0.2%	0.00%
53	First Financial Bank	1	$1.4M	0.2%	0.00%
54	Hometown Bank	1	$1.3M	0.2%	0.00%
55	Associated Bank National Association	2	$1.2M	0.2%	0.00%
56	Citizens Bank	2	$1.2M	0.2%	0.00%
57	Stearns Bank National Association	3	$1.2M	0.2%	0.00%
58	Southwest Capital Bank	1	$1.2M	0.2%	0.00%
59	Truliant FCU	1	$1.2M	0.2%	0.00%
60	Everwise Credit Union	1	$1.1M	0.2%	0.00%
61	Pathward National Association	1	$1.1M	0.2%	0.00%
62	Mission Valley Bank	1	$1.1M	0.2%	0.00%
63	OptimumBank	2	$1.1M	0.1%	0.00%
64	Quaint Oak Bank	1	$1.1M	0.1%	0.00%
65	Poppy Bank	1	$1.0M	0.1%	0.00%
66	PNC Bank, National Association	2	$1.0M	0.1%	25.29%
67	Milestone Bank	1	$1.0M	0.1%	0.00%
68	First Internet Bank of Indiana	1	$895K	0.1%	0.00%
69	OneWest Bank, A Division of	1	$842K	0.1%	0.00%
70	First Bank	2	$801K	0.1%	0.00%
71	22nd State Bank, A Division of 22nd State Banking Company	1	$752K	0.1%	0.00%
72	Happen Bank	1	$750K	0.1%	0.00%
73	Hanover Community Bank	1	$702K	0.1%	0.00%
74	Columbia Bank	2	$650K	0.1%	3.12%
75	Needham Bank	2	$625K	0.1%	0.00%
76	Bank of America, National Association	2	$580K	0.1%	0.00%
77	JPMorgan Chase Bank, National Association	3	$555K	0.1%	5.41%
78	MountainOne Bank	5	$538K	0.1%	0.00%
79	Firstrust Savings Bank	1	$528K	0.1%	0.00%
80	Bangor Savings Bank	10	$516K	0.1%	0.00%
81	Continental Bank	1	$500K	0.1%	0.00%
82	First National Bank of Pennsylvania	1	$498K	0.1%	0.00%
83	Five Star Bank	2	$475K	0.1%	0.00%
84	Independence Bank	4	$375K	0.1%	16.96%
85	Seacoast National Bank	1	$350K	0.0%	0.00%
86	Savings Bank of Walpole	4	$338K	0.0%	0.00%
87	City National Bank of Florida	1	$325K	0.0%	0.00%
88	Gulf Coast Bank and Trust Company	1	$285K	0.0%	0.00%
89	HSBC Bank USA National Association	1	$275K	0.0%	0.00%
90	Magnifi Financial CU	1	$218K	0.0%	0.00%
91	Northern Bank and Trust Company	1	$205K	0.0%	0.00%
92	Simmons Bank	2	$200K	0.0%	0.00%
93	Clear Mountain Bank, Inc.	2	$188K	0.0%	0.00%
94	Taunton FCU	1	$158K	0.0%	0.00%
95	TowneBank	1	$150K	0.0%	0.00%
96	CenTrust Bank, A Division of SmartBiz Bank National Association	1	$150K	0.0%	0.00%
97	Capital One National Association	3	$135K	0.0%	17.45%
98	Zions Bank, A Division of	1	$120K	0.0%	0.00%
99	Greenfield Savings Bank	2	$120K	0.0%	0.00%
100	BankVista	1	$100K	0.0%	0.00%
101	SoFi Bank, National Association	1	$100K	0.0%	0.00%
102	Greenfield Co-Operative Bank	2	$80K	0.0%	0.00%
103	Bank of New Hampshire	1	$57K	0.0%	0.00%
104	Northern Community Investment Corporation	1	$55K	0.0%	0.00%
105	The Adirondack Trust Company	1	$53K	0.0%	0.00%
106	Nevada State Development Corporation	1	$50K	0.0%	0.00%
107	Arrow Bank National Association	2	$50K	0.0%	0.00%
108	Katahdin Trust Company	1	$42K	0.0%	0.00%
109	Westerly Community CU	1	$23K	0.0%	0.00%
110	Bank of Hope	1	$10K	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.

By county

Rank	County	Lenders	Loans	Approved
1	Chittenden	58	1,123	$265.4M
2	Washington	30	376	$69.7M
3	Windham	39	234	$59.1M
4	Rutland	33	339	$57.8M
5	Windsor	33	252	$54.6M
6	Bennington	26	263	$42.7M
7	Franklin	23	258	$32.6M
8	Lamoille	20	208	$32.4M
9	Addison	26	224	$31.8M
10	Caledonia	24	265	$28.0M
11	Orleans	19	187	$27.4M
12	Orange	22	129	$24.2M
13	Grand Isle	15	42	$3.6M
14	Essex	9	23	$1.6M

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.