States › Pennsylvania › Cumberland County
County19th of 67 in Pennsylvania by approvalsFIPS 42041
SBA loans in Cumberland County, Pennsylvania
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 Cumberland County, Pennsylvania, received 203 SBA loan approvals worth $115M in FY2021 to FY2025 (189 7(a), 14 504).
That is 31.1 approvals per 1,000 business establishments (6,534 establishments in 2023), below the Pennsylvania figure of 36.7 and below the national 41.0.
It ranks 19th of 67 Pennsylvania counties with approvals. In FY2025 there were 53, up 15% on FY2024.
45 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (46), Beacon Bank and Trust (23) and The Huntington National Bank (17). 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 Cumberland County
By number of approvals to businesses in the county, FY2021–FY2025; 45 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 46 | $4.6M | 22.7% | |
| 2 | Beacon Bank and TrustBrookline, MA | 23 | $15.0M | 11.3% | |
| 3 | The Huntington National BankColumbus, OH | 17 | $3.2M | 8.4% | |
| 4 | South Eastern Economic Development Company of PennsylvaniaExton, PA · CDC | 9 | $14.0M | 4.4% | |
| 5 | First Commonwealth BankIndiana, PA | 7 | $3.7M | 3.4% | |
| 6 | Mid Penn BankMillersburg, PA | 7 | $3.0M | 3.4% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 5 | $9.4M | 2.5% | |
| 8 | Fulton Bank, National AssociationLancaster, PA | 5 | $3.5M | 2.5% | |
| 9 | United Midwest Savings Bank National AssociationDe Graff, OH | 5 | $1.0M | 2.5% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 5 | $721K | 2.5% | |
| 11 | Wells Fargo Bank National AssociationSioux Falls, SD | 5 | $90K | 2.5% | |
| 12 | First National Bank of PennsylvaniaGreenville, PA | 4 | $5.2M | 2.0% | |
| 13 | Newtek Bank, National AssociationMiami, FL | 4 | $912K | 2.0% | |
| 14 | Northeast BankLewiston, ME | 4 | $801K | 2.0% | |
| 15 | TD Bank, National AssociationWilmington, DE | 4 | $516K | 2.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 17 | 8.4% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 11 | 5.4% | |
| 3 | General Freight TruckingNAICS 4841 | 10 | 4.9% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 9 | 4.4% | |
| 5 | Residential Building ConstructionNAICS 2361 | 9 | 4.4% | |
| 6 | Other Amusement and Recreation IndustriesNAICS 7139 | 8 | 3.9% | |
| 7 | Building Finishing ContractorsNAICS 2383 | 8 | 3.9% | |
| 8 | Business Support ServicesNAICS 5614 | 7 | 3.4% | |
| 9 | Legal ServicesNAICS 5411 | 6 | 3.0% | |
| 10 | Traveler AccommodationNAICS 7211 | 5 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 31 | 15.3% | |
| 2 | Health Care and Social Assistance | 25 | 12.3% | |
| 3 | Accommodation and Food Services | 24 | 11.8% | |
| 4 | Retail Trade | 24 | 11.8% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 22 | 10.8% | |
| 6 | Manufacturing | 19 | 9.4% | |
| 7 | Transportation and Warehousing | 15 | 7.4% | |
| 8 | Other Services (except Public Administration) | 10 | 4.9% |
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* | 35 | $10.9M | $100K | 0 | — | 35 | 337 |
| FY2025 | 48 | $28.0M | $200K | 5 | $9.4M | 53 | 791 |
| FY2024 | 45 | $22.6M | $200K | 1 | — | 46 | 424 |
| FY2023 | 32 | $12.0M | $136K | 1 | — | 33 | 544 |
| FY2022 | 31 | $17.0M | $150K | 1 | — | 32 | 346 |
| FY2021 | 33 | $15.6M | $150K | 6 | $5.1M | 39 | 417 |
| FY2020 | 22 | $12.5M | $150K | 2 | — | 24 | 181 |
| FY2019 | 33 | $11.4M | $150K | 1 | — | 34 | 225 |
| FY2018 | 30 | $12.4M | $125K | 2 | — | 32 | 333 |
| FY2017 | 46 | $22.4M | $135K | 1 | — | 47 | 456 |
| FY2016 | 56 | $17.6M | $150K | 2 | — | 58 | 738 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 195 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Cumberland County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 203 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 31.1 | 36.7 | 41.0 |
| Median 7(a) approval | $185K | $150K | $190K |
| Median 504 approval | $930K | $607K | $657K |
| Average approval | $568K | $482K | $573K |
| 504 share of approvals | 6.9% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 12.4 | 10.3 | 10.5 |
| Share of state approvals | 1.8% | 100.0% | — |
Approval sizes
- $50,000 or less25.6%52
- $50,001 to $150,00020.7%42
- $150,001 to $350,00018.2%37
- $350,001 to $1 million18.7%38
- $1 million to $2 million8.9%18
- Over $2 million7.9%16
Age of the businesses
- Existing, more than 2 years old40.4%82
- New business, 2 years or less21.7%44
- Startup, loan funds will open the business27.1%55
- Change of ownership10.8%22
Questions and answers
Which lenders make the most SBA loans in Cumberland County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (46), Beacon Bank and Trust (23), The Huntington National Bank (17), South Eastern Economic Development Company of Pennsylvania (9), First Commonwealth Bank (7). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Cumberland County?
The median 7(a) approval was $185K and the median 504 approval $930K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Cumberland County?
Restaurants and Other Eating Places (17); Services to Buildings and Dwellings (11); General Freight Trucking (10); Offices of Other Health Practitioners (9); Residential Building Construction (9).
Is SBA lending in Cumberland County rising?
Approvals in the three latest complete fiscal years total 132, against 95 in the three before: rising (+39%).
How does Cumberland County compare with the rest of Pennsylvania?
31.1 approvals per 1,000 establishments against 36.7 statewide, and 203 of the state's 11,283 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