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County33rd of 62 in New York by approvalsFIPS 36121
SBA loans in Wyoming 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 72 loans to businesses in Wyoming County, New York, in FY2021 to FY2025, worth $9.7M: 69 under 7(a) and 3 under 504.
That is 95.5 approvals per 1,000 business establishments (754 establishments in 2023), above the New York figure of 38.1 and above the national 41.0.
It ranks 33rd of 62 New York counties with approvals. In FY2025 there were 14, about level with FY2024.
5 lenders had approvals here; the most active were Five Star Bank (24), Tompkins Community Bank (23) and Manufacturers and Traders Trust Company (20). 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 Wyoming County
By number of approvals to businesses in the county, FY2021–FY2025; 5 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Five Star BankRochester, NY | 24 | $989K | 33.3% | |
| 2 | Tompkins Community BankIthaca, NY | 23 | $3.2M | 31.9% | |
| 3 | Manufacturers and Traders Trust CompanyBuffalo, NY | 20 | $2.7M | 27.8% | |
| 4 | Empire State Certified Development CorporationLatham, NY · CDC | 3 | $2.3M | 4.2% | |
| 5 | KeyBank National AssociationCleveland, OH | 2 | — | 2.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 12.5% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 8 | 11.1% | |
| 3 | Lessors of Real EstateNAICS 5311 | 4 | 5.6% | |
| 4 | Support Activities for Animal ProductionNAICS 1152 | 4 | 5.6% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 5.6% | |
| 6 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 4 | 5.6% | |
| 7 | Sporting Goods, Hobby, and Musical Instrument RetailersNAICS 4591 | 3 | 4.2% | |
| 8 | Gasoline StationsNAICS 4571 | 3 | 4.2% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 3 | 4.2% | |
| 10 | Machine Shops; Turned Product; and Screw, Nut, and Bolt ManufacturingNAICS 3327 | 2 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 20 | 27.8% | |
| 2 | Retail Trade | 11 | 15.3% | |
| 3 | Accommodation and Food Services | 10 | 13.9% | |
| 4 | Other Services (except Public Administration) | 7 | 9.7% | |
| 5 | Agriculture, Forestry, Fishing and Hunting | 6 | 8.3% | |
| 6 | Manufacturing | 5 | 6.9% | |
| 7 | Real Estate and Rental and Leasing | 4 | 5.6% | |
| 8 | Health Care and Social Assistance | 2 | 2.8% |
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* | 7 | $415K | $30K | 0 | — | 7 | 21 |
| FY2025 | 14 | $1.7M | $45K | 0 | — | 14 | 103 |
| FY2024 | 13 | $781K | $40K | 1 | — | 14 | 109 |
| FY2023 | 20 | $1.3M | $30K | 0 | — | 20 | 127 |
| FY2022 | 6 | $919K | $154K | 2 | — | 8 | 38 |
| FY2021 | 16 | $2.6M | $81K | 0 | — | 16 | 92 |
| FY2020 | 16 | $1.9M | $61K | 0 | — | 16 | 105 |
| FY2019 | 20 | $1.7M | $50K | 1 | — | 21 | 276 |
| FY2018 | 21 | $1.5M | $30K | 0 | — | 21 | 67 |
| FY2017 | 31 | $3.1M | $63K | 0 | — | 31 | 99 |
| FY2016 | 30 | $1.8M | $25K | 0 | — | 30 | 133 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 119 approvals.
Against New York and the country
| FY2021–FY2025 | Wyoming County | New York | United States |
|---|---|---|---|
| Approvals | 72 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 95.5 | 38.1 | 41.0 |
| Median 7(a) approval | $45K | $130K | $190K |
| Median 504 approval | $399K | $685K | $657K |
| Average approval | $134K | $414K | $573K |
| 504 share of approvals | 4.2% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 6.5 | 8.0 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less58.3%42
- $50,001 to $150,00020.8%15
- $150,001 to $350,0009.7%7
- $350,001 to $1 million9.7%7
- $1 million to $2 million1.4%1
Age of the businesses
- Existing, more than 2 years old40.3%29
- New business, 2 years or less30.6%22
- Startup, loan funds will open the business13.9%10
- Change of ownership15.3%11
Questions and answers
Which lenders make the most SBA loans in Wyoming County?
By approvals in FY2021 to FY2025: Five Star Bank (24), Tompkins Community Bank (23), Manufacturers and Traders Trust Company (20), Empire State Certified Development Corporation (3), KeyBank National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Wyoming County?
The median 7(a) approval was $45K and the median 504 approval $399K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Wyoming County?
Restaurants and Other Eating Places (9); Other Specialty Trade Contractors (8); Lessors of Real Estate (4); Support Activities for Animal Production (4); Automotive Repair and Maintenance (4).
Is SBA lending in Wyoming County rising?
Approvals in the three latest complete fiscal years total 48, against 40 in the three before: rising (+20%).
How does Wyoming County compare with the rest of New York?
95.5 approvals per 1,000 establishments against 38.1 statewide, and 72 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