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The Lender Report built this page from public records. ESL Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about ESL Credit Union itself. Each figure shows its source and date. Work at ESL Credit Union? You can claim this page for free.
SBA 7(a) record
ESL Credit Union: SBA 7(a) loans made
ESL Credit Union, a credit union based in Rochester, NY, made 261 SBA 7(a) loans in the 36 months ending September 30, 2026, $31.2M in all, net of cancelled approvals. The typical loan was about $50K, and 75 were in the last 12 months. Most were in New York.
- Evidence
- SBA 7(a) loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 9, 2026
- Loans, 36 months
- 261
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $31.2M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $50K
- SBA FOIA,
- Largest loan
- $2.6M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 75
- SBA FOIA,
Cite this
Source: The Lender Report, ESL Credit Union: SBA 7(a) loans made, https://lender.report/lender/esl-credit-union-ny/sba-7a/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | New York | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $380K | 6.75% | 20 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Landscaping Services | $150K | 7.75% | 7 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $140K | 7.75% | 8 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), General Freight Trucking, Local | $100K | 7.25% | 7 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $50K | 7.75% | 10 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Used Merchandise Retailers | $50K | 9.25% | 7 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), General Freight Trucking, Long-Distance, Truckload | $42K | 8.5% | 4 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Landscaping Services | $40K | 8.5% | 5 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Limited-Service Restaurants | $38K | 8.5% | 4 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Scenic and Sightseeing Transportation, Water | $33K | 8.5% | 6 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Automotive Body, Paint, and Interior Repair and Maintenance | $25K | 9.25% | 7 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), Full-Service Restaurants | $150K | 6% | 5 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), All Other Amusement and Recreation Industries | $81K | 8.5% | 6 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), Process, Physical Distribution, and Logistics Consulting Services | $50K | 9.25% | 7 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), Full-Service Restaurants | $25K | 8.75% | 10 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), Manufacturing | $25K | 9.25% | 7 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), Landscaping Services | $290K | 7% | 20 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), Couriers and Express Delivery Services | $250K | 8.75% | 10 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), General Automotive Repair | $80K | 9.25% | 10 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), Pet and Pet Supplies Retailers | $75K | 7.75% | 10 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), General Freight Trucking, Long-Distance, Truckload | $39K | 8.5% | 7 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), Tire Dealers | $25K | 9.25% | 7 yr | SBA FOIA | |
| Jun 2026 | New York | SBA 7(a), Other Miscellaneous Durable Goods Merchant Wholesalers | $240K | 7% | 20 yr | SBA FOIA | |
| Jun 2026 | New York | SBA 7(a), Limited-Service Restaurants | $75K | 8.5% | 10 yr | SBA FOIA | |
| Jun 2026 | New York | SBA 7(a), Residential Remodelers | $50K | 2.5% | 7 yr | SBA FOIA | |
| 261 SBA 7(a) loans since October 2023, net of cancelled | $31.2M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| New York | 261 | $31.2M |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 202 | $10.4M |
| $150K to $350K | 41 | $8.49M |
| $350K to $1M | 17 | $9.76M |
| $1M to $2.5M | 0 | $0 |
| $2.5M or more | 1 | $2.60M |
| Quarter | Loans | Dollars |
|---|---|---|
| 2023 Q4 | 15 | $2.52M |
| 2024 Q1 | 25 | $2.96M |
| 2024 Q2 | 31 | $2.90M |
| 2024 Q3 | 30 | $5.54M |
| 2024 Q4 | 14 | $1.14M |
| 2025 Q1 | 26 | $4.61M |
| 2025 Q2 | 22 | $2.87M |
| 2025 Q3 | 23 | $1.69M |
| 2025 Q4 | 10 | $713K |
| 2026 Q1 | 25 | $1.98M |
| 2026 Q2 | 18 | $2.16M |
| 2026 Q3 | 22 | $2.14M |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| SBA Express Program | 190 |
| Preferred Lenders Program | 71 |
- ESL Credit Union made 261 SBA 7(a) loans totaling $31.2M in the 36 months ending September 30, 2026, net of cancelled approvals, in 1 state. SBA FOIA,
- 75 of them were in the 12 months to September 30, 2026, and 85 in the 12 months before. SBA FOIA,
- The typical loan was about $50K, with the middle half between $30K and $110K. SBA FOIA,
- The largest was about $2.6M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 202 loans were under $150K, and 1 was $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 9.25% on 261 loans, with the middle half between 8.00% and 9.50%. SBA FOIA,
- The median term was 7 years. SBA FOIA,
- Its loans went most often to Full-Service Restaurants, with 16. SBA FOIA,
- The SBA file lists 190 of its loans as processed under SBA Express Program. SBA FOIA,
- Its loans were most often in New York (261). SBA FOIA,
What we don't know
- Whether ESL Credit Union is taking new SBA 7(a) loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
Loans are SBA approvals, net of cancelled approvals.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.