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County24th of 62 in New York by approvalsFIPS 36113
SBA loans in Warren County, New York
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Businesses in Warren County, New York, received 110 SBA loan approvals worth $60.0M in FY2021 to FY2025 (86 7(a), 24 504).
That is 50.8 approvals per 1,000 business establishments (2,164 establishments in 2023), above the New York figure of 38.1 and above the national 41.0.
It ranks 24th of 62 New York counties with approvals. In FY2025 there were 21, up 17% on FY2024.
31 lenders had approvals here; the most active were Arrow Bank National Association (25), Empire State Certified Development Corporation (23) and The Adirondack Trust Company (20). The most common industry was traveler accommodation.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Warren County
By number of approvals to businesses in the county, FY2021–FY2025; 31 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Arrow Bank National AssociationGlens Falls, NY | 25 | $1.9M | 22.7% | |
| 2 | Empire State Certified Development CorporationLatham, NY · CDC | 23 | $31.0M | 20.9% | |
| 3 | The Adirondack Trust CompanySaratoga Springs, NY | 20 | $2.8M | 18.2% | |
| 4 | TD Bank, National AssociationWilmington, DE | 12 | $2.5M | 10.9% | |
| 5 | Newtek Bank, National AssociationMiami, FL | 2 | — | 1.8% | |
| 6 | BayFirst National BankSaint Petersburg, FL | 2 | — | 1.8% | |
| 7 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 1.8% | |
| 8 | Centerstone SBA Lending, Inc.Los Angeles, CA | 1 | — | 0.9% | |
| 9 | First Western SBLC, LLCDallas, TX | 1 | — | 0.9% | |
| 10 | Hanover Community BankMineola, NY | 1 | — | 0.9% | |
| 11 | Live Oak Banking CompanyWilmington, NC | 1 | — | 0.9% | |
| 12 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 0.9% | |
| 13 | Wells Fargo Bank National AssociationSioux Falls, SD | 1 | — | 0.9% | |
| 14 | Citizens Bank, National AssociationProvidence, RI | 1 | — | 0.9% | |
| 15 | Hyperion BankPhiladelphia, PA | 1 | — | 0.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 15 | 13.6% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 13 | 11.8% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 9 | 8.2% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 8 | 7.3% | |
| 5 | General Freight TruckingNAICS 4841 | 6 | 5.5% | |
| 6 | Personal Care ServicesNAICS 8121 | 5 | 4.5% | |
| 7 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 4 | 3.6% | |
| 8 | Offices of Other Health PractitionersNAICS 6213 | 3 | 2.7% | |
| 9 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 3 | 2.7% | |
| 10 | Furniture and Home Furnishings RetailersNAICS 4491 | 2 | 1.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 30 | 27.3% | |
| 2 | Construction | 15 | 13.6% | |
| 3 | Retail Trade | 12 | 10.9% | |
| 4 | Arts, Entertainment, and Recreation | 9 | 8.2% | |
| 5 | Other Services (except Public Administration) | 8 | 7.3% | |
| 6 | Manufacturing | 7 | 6.4% | |
| 7 | Health Care and Social Assistance | 7 | 6.4% | |
| 8 | Professional, Scientific, and Technical Services | 6 | 5.5% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 12 | $8.6M | $61K | 0 | — | 12 | 110 |
| FY2025 | 16 | $10.4M | $350K | 5 | $4.4M | 21 | 221 |
| FY2024 | 12 | $4.3M | $145K | 6 | $6.6M | 18 | 120 |
| FY2023 | 29 | $5.9M | $75K | 5 | $8.4M | 34 | 312 |
| FY2022 | 15 | $1.4M | $50K | 5 | $8.0M | 20 | 167 |
| FY2021 | 14 | $6.5M | $108K | 3 | $4.1M | 17 | 97 |
| FY2020 | 18 | $1.9M | $60K | 2 | — | 20 | 204 |
| FY2019 | 21 | $3.4M | $100K | 4 | $1.5M | 25 | 124 |
| FY2018 | 27 | $11.2M | $124K | 6 | $6.5M | 33 | 146 |
| FY2017 | 46 | $8.4M | $89K | 4 | $7.7M | 50 | 147 |
| FY2016 | 38 | $5.5M | $93K | 2 | — | 40 | 340 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 168 approvals.
Against New York and the country
| FY2021–FY2025 | Warren County | New York | United States |
|---|---|---|---|
| Approvals | 110 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 50.8 | 38.1 | 41.0 |
| Median 7(a) approval | $100K | $130K | $190K |
| Median 504 approval | $651K | $685K | $657K |
| Average approval | $545K | $414K | $573K |
| 504 share of approvals | 21.8% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 8.3 | 8.0 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less30.0%33
- $50,001 to $150,00020.9%23
- $150,001 to $350,00017.3%19
- $350,001 to $1 million16.4%18
- $1 million to $2 million6.4%7
- Over $2 million9.1%10
Age of the businesses
- Existing, more than 2 years old64.5%71
- New business, 2 years or less13.6%15
- Startup, loan funds will open the business16.4%18
- Change of ownership5.5%6
Questions and answers
Which lenders make the most SBA loans in Warren County?
By approvals in FY2021 to FY2025: Arrow Bank National Association (25), Empire State Certified Development Corporation (23), The Adirondack Trust Company (20), TD Bank, National Association (12), Newtek Bank, National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Warren County?
The median 7(a) approval was $100K and the median 504 approval $651K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Warren County?
Traveler Accommodation (15); Restaurants and Other Eating Places (13); Other Amusement and Recreation Industries (9); Building Equipment Contractors (8); General Freight Trucking (6).
Is SBA lending in Warren County rising?
Approvals in the three latest complete fiscal years total 73, against 57 in the three before: rising (+28%).
How does Warren County compare with the rest of New York?
50.8 approvals per 1,000 establishments against 38.1 statewide, and 110 of the state's 20,639 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error