SBA 7(a) lenders in Chittenden, VT

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-09-30.

Lenders

60 institutions have SBA 7(a) loans on record in Chittenden, together $271.6M across 1,130 loans. Manufacturers and Traders Trust Company is the largest, with 17% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Manufacturers and Traders Trust Company	202	$44.9M	16.5%	3.11%
2	TD Bank, National Association	143	$30.2M	11.1%	0.48%
3	Live Oak Banking Company	26	$25.5M	9.4%	0.00%
4	KeyBank National Association	70	$22.1M	8.1%	1.44%
5	Community National Bank	90	$19.9M	7.3%	0.00%
6	NBT Bank, National Association	24	$12.7M	4.7%	0.63%
7	Green Mountain CU	97	$8.3M	3.1%	2.78%
8	Byline Bank	5	$7.3M	2.7%	0.00%
9	Vermont FCU	69	$6.0M	2.2%	3.49%
10	Citizens Bank, National Association	47	$6.0M	2.2%	4.51%
11	North Country Federal Credit Union	63	$5.7M	2.1%	0.76%
12	Union Bank	47	$5.4M	2.0%	0.00%
13	First Bank of the Lake	3	$5.4M	2.0%	0.00%
14	Peoples Trust Company of St. Albans	32	$5.3M	2.0%	3.22%
15	Community Bank, National Association	29	$5.2M	1.9%	0.00%
16	Newtek Small Business Finance, LLC	5	$4.3M	1.6%	0.00%
17	United Midwest Savings Bank National Association	5	$4.3M	1.6%	0.00%
18	Northfield Savings Bank	3	$4.1M	1.5%	0.00%
19	Bank Five Nine	1	$3.5M	1.3%	0.00%
20	National Bank of Middlebury	24	$3.5M	1.3%	0.00%
21	EastRise Federal Credit Union	47	$3.5M	1.3%	0.00%
22	Banc of California	3	$2.9M	1.1%	0.00%
23	Ledyard National Bank	1	$2.8M	1.0%	0.00%
24	The Huntington National Bank	6	$2.6M	0.9%	0.00%
25	SBA CLSC Servicing	20	$2.4M	0.9%	2.36%
26	Beacon Bank and Trust	2	$2.4M	0.9%	0.00%
27	CRF Small Business Loan Company, LLC	1	$2.3M	0.8%	0.00%
28	Readycap Lending, LLC	3	$1.9M	0.7%	0.00%
29	IncredibleBank	1	$1.9M	0.7%	0.00%
30	VelocitySBA, LLC	1	$1.8M	0.7%	0.00%
31	MASSACHUSETTS BUSINESS	1	$1.7M	0.6%	0.00%
32	BankUnited, National Association	1	$1.5M	0.6%	0.00%
33	First Financial Bank	1	$1.4M	0.5%	0.00%
34	Associated Bank National Association	2	$1.2M	0.5%	0.00%
35	Everwise Credit Union	1	$1.1M	0.4%	0.00%
36	Pathward National Association	1	$1.1M	0.4%	0.00%
37	OptimumBank	2	$1.1M	0.4%	0.00%
38	Mascoma Bank	5	$1.0M	0.4%	0.00%
39	BayFirst National Bank	6	$1.0M	0.4%	0.00%
40	U.S. Bank, National Association	2	$939K	0.3%	0.00%
41	Vermont 504 Corporation	4	$519K	0.2%	0.00%
42	Vermont Community Loan Fund, Inc.	5	$499K	0.2%	11.15%
43	First National Bank of Pennsylvania	1	$498K	0.2%	0.00%
44	Wells Fargo Bank National Association	2	$467K	0.2%	0.00%
45	Citizens Bank	1	$443K	0.2%	0.00%
46	Celtic Bank Corporation	4	$426K	0.2%	17.13%
47	Newtek Bank, National Association	2	$425K	0.2%	0.00%
48	Northeast Bank	5	$380K	0.1%	0.00%
49	Seacoast National Bank	1	$350K	0.1%	0.00%
50	SouthState Bank, National Association	1	$260K	0.1%	0.00%
51	Magnifi Financial CU	1	$218K	0.1%	0.00%
52	Simmons Bank	2	$200K	0.1%	0.00%
53	First Bank	1	$190K	0.1%	0.00%
54	Passumpsic Savings Bank	1	$150K	0.1%	0.00%
55	Capital One National Association	2	$100K	0.0%	23.56%
56	Independence Bank	1	$75K	0.0%	0.00%
57	Heritage Family FCU	1	$75K	0.0%	0.00%
58	The Adirondack Trust Company	1	$53K	0.0%	0.00%
59	JPMorgan Chase Bank, National Association	1	$30K	0.0%	100.00%
60	Westerly Community CU	1	$23K	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	Professional & technical services	134	$37.9M	14.0%
2	Retail trade	94	$30.4M	11.2%
3	Health care & social assistance	107	$29.2M	10.8%
4	Construction	94	$24.8M	9.1%
5	Accommodation & food services	118	$22.2M	8.2%
6	Retail trade	78	$21.9M	8.0%
7	Other services	93	$21.7M	8.0%
8	Manufacturing	88	$16.3M	6.0%
9	Wholesale trade	46	$13.3M	4.9%
10	Manufacturing	43	$10.7M	3.9%
11	Real estate & leasing	23	$7.7M	2.8%
12	Transportation & warehousing	41	$7.0M	2.6%
13	Educational services	29	$6.4M	2.4%
14	Manufacturing	22	$5.6M	2.0%
15	Administrative & waste services	41	$4.5M	1.7%
16	Mining & extraction	2	$3.2M	1.2%
17	Arts, entertainment & recreation	38	$2.9M	1.1%
18	Finance & insurance	9	$2.0M	0.7%
19	Agriculture, forestry & fishing	10	$1.9M	0.7%
20	Transportation & warehousing	5	$1.4M	0.5%
21	Information	12	$574K	0.2%
22	Management of companies	2	$150K	0.1%
23	Utilities	1	$75K	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.