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County29th of 62 in New York by approvalsFIPS 36117
SBA loans in Wayne 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.
SBA approved 90 loans to businesses in Wayne County, New York, in FY2021 to FY2025, worth $32.3M: 76 under 7(a) and 14 under 504.
That is 53.8 approvals per 1,000 business establishments (1,673 establishments in 2023), above the New York figure of 38.1 and above the national 41.0.
It ranks 29th of 62 New York counties with approvals. In FY2025 there were 21, down 25% on FY2024.
19 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (19), ESL FCU (13) and Empire State Certified Development Corporation (12). The most common industry was restaurants and other eating places.
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 Wayne County
By number of approvals to businesses in the county, FY2021–FY2025; 19 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 19 | $1.5M | 21.1% | |
| 2 | ESL FCURochester, NY | 13 | $2.7M | 14.4% | |
| 3 | Empire State Certified Development CorporationLatham, NY · CDC | 12 | $10.8M | 13.3% | |
| 4 | Reliant Community Federal Credit UnionSodus, NY | 8 | $1.3M | 8.9% | |
| 5 | KeyBank National AssociationCleveland, OH | 7 | $889K | 7.8% | |
| 6 | The Canandaigua National Bank and Trust CompanyCanandaigua, NY | 6 | $1.8M | 6.7% | |
| 7 | Five Star BankRochester, NY | 6 | $1.0M | 6.7% | |
| 8 | Genesee Regional BankRochester, NY | 5 | $7.8M | 5.6% | |
| 9 | The Huntington National BankColumbus, OH | 2 | — | 2.2% | |
| 10 | The Lyons National BankLyons, NY | 2 | — | 2.2% | |
| 11 | Northeast BankLewiston, ME | 2 | — | 2.2% | |
| 12 | 22nd State Bank, A Division of 22nd State Banking CompanyMobile, AL | 1 | — | 1.1% | |
| 13 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.1% | |
| 14 | Greater Syracuse Business Development CorporationSyracuse, NY · CDC | 1 | — | 1.1% | |
| 15 | Colony BankFitzgerald, GA | 1 | — | 1.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 13 | 14.4% | |
| 2 | Building Material and Supplies DealersNAICS 4441 | 6 | 6.7% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 5.6% | |
| 4 | Child Day Care ServicesNAICS 6244 | 4 | 4.4% | |
| 5 | Lawn and Garden Equipment and Supplies StoresNAICS 4442 | 4 | 4.4% | |
| 6 | Grocery StoresNAICS 4451 | 3 | 3.3% | |
| 7 | General Freight TruckingNAICS 4841 | 3 | 3.3% | |
| 8 | Plastics Product ManufacturingNAICS 3261 | 2 | 2.2% | |
| 9 | Warehousing and StorageNAICS 4931 | 2 | 2.2% | |
| 10 | Automobile DealersNAICS 4411 | 2 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 22 | 24.4% | |
| 2 | Accommodation and Food Services | 15 | 16.7% | |
| 3 | Manufacturing | 11 | 12.2% | |
| 4 | Transportation and Warehousing | 7 | 7.8% | |
| 5 | Other Services (except Public Administration) | 7 | 7.8% | |
| 6 | Construction | 7 | 7.8% | |
| 7 | Wholesale Trade | 4 | 4.4% | |
| 8 | Health Care and Social Assistance | 4 | 4.4% |
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* | 16 | $3.0M | $40K | 2 | — | 18 | 59 |
| FY2025 | 19 | $2.9M | $100K | 2 | — | 21 | 154 |
| FY2024 | 27 | $7.4M | $100K | 1 | — | 28 | 322 |
| FY2023 | 7 | $1.0M | $100K | 4 | $5.2M | 11 | 96 |
| FY2022 | 9 | $1.6M | $150K | 4 | $1.7M | 13 | 139 |
| FY2021 | 14 | $7.8M | $227K | 3 | $2.8M | 17 | 162 |
| FY2020 | 11 | $6.0M | $200K | 0 | — | 11 | 179 |
| FY2019 | 10 | $1.4M | $63K | 0 | — | 10 | 49 |
| FY2018 | 41 | $6.0M | $40K | 0 | — | 41 | 208 |
| FY2017 | 24 | $1.7M | $41K | 0 | — | 24 | 89 |
| FY2016 | 27 | $3.3M | $70K | 0 | — | 27 | 88 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 113 approvals.
Against New York and the country
| FY2021–FY2025 | Wayne County | New York | United States |
|---|---|---|---|
| Approvals | 90 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 53.8 | 38.1 | 41.0 |
| Median 7(a) approval | $116K | $130K | $190K |
| Median 504 approval | $475K | $685K | $657K |
| Average approval | $359K | $414K | $573K |
| 504 share of approvals | 15.6% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 9.7 | 8.0 | 10.5 |
| Share of state approvals | 0.4% | 100.0% | — |
Approval sizes
- $50,000 or less30.0%27
- $50,001 to $150,00023.3%21
- $150,001 to $350,00017.8%16
- $350,001 to $1 million22.2%20
- $1 million to $2 million3.3%3
- Over $2 million3.3%3
Age of the businesses
- Existing, more than 2 years old45.6%41
- New business, 2 years or less17.8%16
- Startup, loan funds will open the business24.4%22
- Change of ownership12.2%11
Questions and answers
Which lenders make the most SBA loans in Wayne County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (19), ESL FCU (13), Empire State Certified Development Corporation (12), Reliant Community Federal Credit Union (8), KeyBank National Association (7). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Wayne County?
The median 7(a) approval was $116K and the median 504 approval $475K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Wayne County?
Restaurants and Other Eating Places (13); Building Material and Supplies Dealers (6); Automotive Repair and Maintenance (5); Child Day Care Services (4); Lawn and Garden Equipment and Supplies Stores (4).
Is SBA lending in Wayne County rising?
Approvals in the three latest complete fiscal years total 60, against 41 in the three before: rising (+46%).
How does Wayne County compare with the rest of New York?
53.8 approvals per 1,000 establishments against 38.1 statewide, and 90 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