--- title: SBA 504 Lenders in New York: 103 Made Loans in 3 Years url: https://lender.report/sba-504-lenders/new-york/ license: https://lender.report/license/ --- SBA 504 ยท NY # SBA 504 lenders in New York 103 lenders provided the first lien on at least one SBA 504 project in New York in the 36 months ending September 30, 2026. Manufacturers and Traders Trust Company made the most, with 61 of the 572 on record. **Evidence** Lender provided the first lien on at least one SBA 504 project in New York in the 36 months ending September 30, 2026 **Data as of** SBA, September 30, 2026 **Page last changed** November 11, 2026 **Lenders on record** 103 SBA FOIA, Sep 30, 2026 **First liens, 36 months** 572 SBA FOIA, Sep 30, 2026 Approvals, net of cancelled **Dollars, 36 months** $988M SBA FOIA, Sep 30, 2026 **Approvals, last 12 months (funded or not)** 194 SBA FOIA, Sep 30, 2026 -3.0% from the prior 12 months Cite this Source: The Lender Report, SBA 504 lenders in New York, https://lender.report/sba-504-lenders/new-york/, data as of September 30, 2026. ## Describe a deal in New York See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show SBA 504 loans in New York](https://lender.report/comps/?lane=sba_504&state=NY)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | First liens | Dollars | | --- | --- | --- | --- | --- | | [Manufacturers and Traders Trust Company](https://lender.report/lender/manufacturers-and-traders-trust-ny/) [SBA 504 record](https://lender.report/lender/manufacturers-and-traders-trust-ny/sba-504/) | Bank | Buffalo, NY | 61 | $43.4M | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) [SBA 504 record](https://lender.report/lender/jpmorgan-chase-bank-oh/sba-504/) | Bank | Columbus, OH | 48 | $74.5M | | [TD Bank, National Association](https://lender.report/lender/td-bank-de/) [SBA 504 record](https://lender.report/lender/td-bank-de/sba-504/) | Bank | Wilmington, DE | 26 | $89.4M | | [Bank of America, National Association](https://lender.report/lender/bank-of-america-nc/) [SBA 504 record](https://lender.report/lender/bank-of-america-nc/sba-504/) | Bank | Charlotte, NC | 24 | $45.3M | | [NBT Bank, National Association](https://lender.report/lender/nbt-bank-ny/) [SBA 504 record](https://lender.report/lender/nbt-bank-ny/sba-504/) | Bank | Norwich, NY | 22 | $15.1M | | [First Bank of the Lake](https://lender.report/lender/first-bank-of-the-lake-mo/) [SBA 504 record](https://lender.report/lender/first-bank-of-the-lake-mo/sba-504/) | Bank | Osage Beach, MO | 17 | $35.7M | | [Dime Commercial Bank](https://lender.report/lender/dime-commercial-bank-ny/) [SBA 504 record](https://lender.report/lender/dime-commercial-bank-ny/sba-504/) | Bank | Hauppauge, NY | 15 | $39.0M | | [OceanFirst Bank, National Association](https://lender.report/lender/oceanfirst-bank-nj/) [SBA 504 record](https://lender.report/lender/oceanfirst-bank-nj/sba-504/) | Bank | Toms River, NJ | 15 | $30.8M | | [Hanover Community Bank](https://lender.report/lender/hanover-community-bank-ny/) [SBA 504 record](https://lender.report/lender/hanover-community-bank-ny/sba-504/) | Bank | Garden City Park, NY | 14 | $22.4M | | [New York Business Development Corporation](https://lender.report/lender/new-york-business-development-ny/) [SBA 504 record](https://lender.report/lender/new-york-business-development-ny/sba-504/) | Non-bank | Latham, NY | 13 | $17.7M | | [Arrow Bank National Association](https://lender.report/lender/arrow-bank-ny/) [SBA 504 record](https://lender.report/lender/arrow-bank-ny/sba-504/) | Bank | Glens Falls, NY | 13 | $13.2M | | [The Adirondack Trust Company](https://lender.report/lender/adirondack-trust-ny/) [SBA 504 record](https://lender.report/lender/adirondack-trust-ny/sba-504/) | Bank | Saratoga Springs, NY | 13 | $12.6M | | [The Canandaigua National Bank and Trust Company](https://lender.report/lender/canandaigua-national-bank-and-trust-ny/) | Bank | Canandaigua, NY | 13 | $10.1M | | [Cross River Bank](https://lender.report/lender/cross-river-bank-nj/) [SBA 504 record](https://lender.report/lender/cross-river-bank-nj/sba-504/) | Bank | Fort Lee, NJ | 12 | $30.6M | | [Harvest Commercial Capital, LLC](https://lender.report/lender/harvest-commercial-capital/) [SBA 504 record](https://lender.report/lender/harvest-commercial-capital/sba-504/) | Non-bank | Not reported | 11 | $18.9M | | [KeyBank National Association](https://lender.report/lender/keybank-oh/) [SBA 504 record](https://lender.report/lender/keybank-oh/sba-504/) | Bank | Cleveland, OH | 11 | $12.0M | | [Community Bank, National Association](https://lender.report/lender/community-bank-ny/) [SBA 504 record](https://lender.report/lender/community-bank-ny/sba-504/) | Bank | Canton, NY | 10 | $12.9M | | [Newtek Bank, National Association](https://lender.report/lender/newtek-bank-fl/) [SBA 504 record](https://lender.report/lender/newtek-bank-fl/sba-504/) | Bank | Miami, FL | 9 | $31.5M | | [Chemung Canal Trust Company, National Association](https://lender.report/lender/chemung-canal-trust-ny/) [SBA 504 record](https://lender.report/lender/chemung-canal-trust-ny/sba-504/) | Bank | Elmira, NY | 9 | $4.80M | | [Happen Bank, National Association](https://lender.report/lender/happen-bank-ut/) [SBA 504 record](https://lender.report/lender/happen-bank-ut/sba-504/) | Bank | Lehi, UT | 8 | $43.7M | | [Wells Fargo Bank, National Association](https://lender.report/lender/wells-fargo-bank-sd/) [SBA 504 record](https://lender.report/lender/wells-fargo-bank-sd/sba-504/) | Bank | Sioux Falls, SD | 7 | $16.0M | | [Servbank, National Association](https://lender.report/lender/servbank-il/) [SBA 504 record](https://lender.report/lender/servbank-il/sba-504/) | Bank | Oswego, IL | 7 | $8.02M | | [Provident Bank](https://lender.report/lender/provident-bank-nj/) [SBA 504 record](https://lender.report/lender/provident-bank-nj/sba-504/) | Savings | Jersey City, NJ | 6 | $15.8M | | [First-Citizens Bank & Trust Company](https://lender.report/lender/first-citizens-bank-and-trust-nc/) [SBA 504 record](https://lender.report/lender/first-citizens-bank-and-trust-nc/sba-504/) | Bank | Raleigh, NC | 6 | $6.57M | | [Ballston Spa National Bank](https://lender.report/lender/ballston-spa-national-bank-ny/) [SBA 504 record](https://lender.report/lender/ballston-spa-national-bank-ny/sba-504/) | Bank | Ballston Spa, NY | 6 | $4.34M | SBA FOIA, Sep 30, 2026 [See all 103 SBA 504 lenders in New York in Loan Comps](https://lender.report/comps/?lane=sba_504&state=NY) Dollars are first-lien amounts on SBA 504 approvals. - Lenders recorded 572 SBA 504 first liens totaling $987.8M in New York in the 36 months ending September 30, 2026. SBA FOIA, Sep 30, 2026 - Banks and savings institutions made 500 of those, credit unions 16, and non-banks 40. SBA FOIA, Sep 30, 2026 - The five most active lenders made 31.6% of New York's SBA 504 first liens. SBA FOIA, Sep 30, 2026 - TD Bank, National Association recorded the most dollars in New York, at $89.4M. SBA FOIA, Sep 30, 2026 - 43 of these lenders are based in New York. SBA FOIA, Sep 30, 2026 - 17 lenders recorded 10 or more SBA 504 first liens in New York. SBA FOIA, Sep 30, 2026 - 16 of these first liens were made by lenders that have since merged or closed, or that the file lists under a name with no lender record here. They are counted in the totals here and appear in no lender's row. SBA FOIA, Sep 30, 2026 - The SBA file shows 194 SBA 504 approvals in New York dated in the 12 months to September 30, 2026, versus 200 in the prior 12 months. Both counts leave out cancelled approvals and include approvals not yet funded, so the two periods are measured the same way. SBA FOIA, Sep 30, 2026 - The typical SBA 504 first lien in New York was about $950K, with the middle half between $480K and $2M. SBA FOIA, Sep 30, 2026 - The median term in New York was 25 years. SBA FOIA, Sep 30, 2026 ## How this list is defined **Measure** SBA 504 first liens in New York **Period** October 2023 to September 2026 **Formula** Count, by lender, of SBA 504 projects located in New York with an approval date in the 36 months ending September 30, 2026, not cancelled, that name the lender as first-lien lender. **Order** Largest first by first liens in the 36 months, then dollars, then name. Payment is not part of the order. **As of** September 30, 2026 **Source** [SBA FOIA](https://data.sba.gov/dataset/7a-504-foia) **Data** [JSON version of this list](https://lender.report/rankings/sba-504-lenders-by-state.json) **Changelog** November 12, 2026: First published, with the data built on this date. Is your institution on this list? [Show your rank](https://lender.report/for-lenders/badge/). It carries the date and links back to this page. An SBA 504 project pairs a first-lien lender with a Certified Development Company that funds a second lien, for owner-occupied real estate and equipment. SBA 504 figures count the first-lien lender on each SBA approval. A project marked not funded is often recent and awaiting funding. Each lender is counted only where the public file places the loan. Lenders that merged or stopped filing are left out. 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](https://lender.report/report/) 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.