SBA 7(a) lenders in Lamoille, VT
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 Lamoille, together $32.4M across 208 loans. Union Bank is the largest, with 38% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Union Bank | 80 | $12.4M | 38.3% | 1.25% |
| 2 | Community National Bank | 35 | $5.2M | 15.9% | 4.34% |
| 3 | Beacon Bank and Trust | 2 | $4.2M | 13.0% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 24 | $3.9M | 12.0% | 0.31% |
| 5 | TD Bank, National Association | 25 | $1.3M | 4.0% | 5.18% |
| 6 | Hometown Bank | 1 | $1.3M | 3.9% | 0.00% |
| 7 | EastRise Federal Credit Union | 10 | $685K | 2.1% | 0.00% |
| 8 | North Country Federal Credit Union | 13 | $674K | 2.1% | 0.00% |
| 9 | Readycap Lending, LLC | 1 | $670K | 2.1% | 0.00% |
| 10 | KeyBank National Association | 1 | $500K | 1.5% | 0.00% |
| 11 | Vermont FCU | 3 | $439K | 1.4% | 0.00% |
| 12 | Live Oak Banking Company | 1 | $350K | 1.1% | 0.00% |
| 13 | HSBC Bank USA National Association | 1 | $275K | 0.8% | 0.00% |
| 14 | Northern Bank and Trust Company | 1 | $205K | 0.6% | 0.00% |
| 15 | Mascoma Bank | 1 | $150K | 0.5% | 0.00% |
| 16 | Vermont 504 Corporation | 3 | $107K | 0.3% | 0.00% |
| 17 | Peoples Trust Company of St. Albans | 3 | $70K | 0.2% | 0.00% |
| 18 | Vermont Community Loan Fund, Inc. | 1 | $32K | 0.1% | 0.00% |
| 19 | BayFirst National Bank | 1 | $30K | 0.1% | 0.00% |
| 20 | Citizens Bank, National Association | 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 | 34 | $6.8M | 21.1% |
| 2 | Administrative & waste services | 14 | $5.3M | 16.5% |
| 3 | Manufacturing | 14 | $4.5M | 13.8% |
| 4 | Retail trade | 20 | $3.8M | 11.6% |
| 5 | Construction | 27 | $2.2M | 6.9% |
| 6 | Retail trade | 16 | $2.1M | 6.3% |
| 7 | Professional & technical services | 13 | $1.6M | 5.0% |
| 8 | Health care & social assistance | 9 | $1.5M | 4.5% |
| 9 | Real estate & leasing | 9 | $928K | 2.9% |
| 10 | Other services | 18 | $896K | 2.8% |
| 11 | Manufacturing | 10 | $851K | 2.6% |
| 12 | Agriculture, forestry & fishing | 4 | $780K | 2.4% |
| 13 | Information | 4 | $310K | 1.0% |
| 14 | Manufacturing | 4 | $262K | 0.8% |
| 15 | Transportation & warehousing | 3 | $254K | 0.8% |
| 16 | Wholesale trade | 4 | $165K | 0.5% |
| 17 | Arts, entertainment & recreation | 3 | $128K | 0.4% |
| 18 | Educational services | 1 | $50K | 0.2% |
| 19 | Finance & insurance | 1 | $13K | 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.