SBA lending by metro area
SBA lenders in Rochester, NY
Which lenders fund Rochester-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 Rochester area
Ranked by SBA volume funded to businesses located in the Rochester 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 | Manufacturers and Traders Trust Company | 1,424 | $189.6M | $133K | 5.06% |
| 2 | Genesee Regional Bank | 407 | $129.6M | $318K | 0.98% |
| 3 | Empire State Certified Development Corporation | 160 | $102.9M | $643K | not reported |
| 4 | ESL FCU | 827 | $89.1M | $108K | 3.14% |
| 5 | Monroe County Industrial Development Corporation | 155 | $81.0M | $523K | not reported |
| 6 | KeyBank National Association | 356 | $71.0M | $200K | 2.25% |
| 7 | Five Star Bank | 687 | $68.4M | $100K | 2.77% |
| 8 | The Canandaigua National Bank and Trust Company | 321 | $61.7M | $192K | 2.18% |
| 9 | The Lyons National Bank | 219 | $48.6M | $222K | 3.65% |
| 10 | Live Oak Banking Company | 38 | $35.4M | $931K | 2.63% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Rochester compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Rochester area | $75K ▼ 25.0% | 6.0% |
| New York | $100K | 6.2% |
| United States | $179K | 11.2% |
What gets funded in Rochester
| Industry | Loans | Total funded |
|---|---|---|
| Manufacturing | 726 | $261.0M |
| Accommodation and Food Services | 667 | $162.9M |
| Retail Trade | 655 | $118.7M |
| Construction | 710 | $96.3M |
| Professional and Technical Services | 457 | $85.4M |
| Health Care and Social Assistance | 354 | $85.1M |
| Other Services | 485 | $81.0M |
| Wholesale Trade | 257 | $63.8M |
SBA lending in Rochester by year
Geography, precisely
"Rochester area" here means the Rochester, NY metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Livingston County, NY; Monroe County, NY; Ontario County, NY; Orleans County, NY; Wayne 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.