SBA lending by metro area
SBA lenders in Elmira, NY
Which lenders fund Elmira-area businesses, how much, and how the market compares with New York: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Elmira area
Ranked by SBA volume funded to businesses located in the Elmira metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Five Star Bank | 73 | $8.4M | $116K | 6.85% |
| 2 | Manufacturers and Traders Trust Company | 55 | $8.1M | $147K | 12.73% |
| 3 | Empire State Certified Development Corporation | 8 | $6.3M | $785K | not reported |
| 4 | Corning FCU | 48 | $6.3M | $131K | 8.33% |
| 5 | Chemung Canal Trust Company | 25 | $5.5M | $221K | 0.00% |
| 6 | Community Bank, National Association | 42 | $3.6M | $86K | 0.00% |
| 7 | First Heritage Federal Credit Union | 15 | $2.4M | $162K | not reported |
| 8 | Citizens & Northern Bank | 5 | $1.1M | $227K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Elmira compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Elmira area | $90K ▼ 10.0% | 3.3% ▼ 2.9 pts |
| New York | $100K | 6.2% |
| United States | $179K | 11.2% |
What gets funded in Elmira
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 50 | $13.6M |
| Construction | 45 | $8.9M |
| Retail Trade | 42 | $5.9M |
| Manufacturing | 22 | $5.0M |
| Professional and Technical Services | 24 | $4.1M |
| Other Services | 32 | $4.1M |
| Transportation and Warehousing | 15 | $2.9M |
| Arts, Entertainment, Recreation | 11 | $2.5M |
SBA lending in Elmira by year
Geography, precisely
"Elmira area" here means the Elmira, NY metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Chemung County, NY. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.