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County18th of 67 in Pennsylvania by approvalsFIPS 42043
SBA loans in Dauphin 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 Dauphin County, Pennsylvania, received 203 SBA loan approvals worth $137M in FY2021 to FY2025 (191 7(a), 12 504).
That is 29.2 approvals per 1,000 business establishments (6,951 establishments in 2023), below the Pennsylvania figure of 36.7 and below the national 41.0.
It ranks 18th of 67 Pennsylvania counties with approvals. In FY2025 there were 47, up 12% on FY2024.
51 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (41), Beacon Bank and Trust (16) and Mid Penn Bank (13). 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 Dauphin County
By number of approvals to businesses in the county, FY2021–FY2025; 51 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 41 | $3.8M | 20.2% | |
| 2 | Beacon Bank and TrustBrookline, MA | 16 | $12.9M | 7.9% | |
| 3 | Mid Penn BankMillersburg, PA | 13 | $4.3M | 6.4% | |
| 4 | First Commonwealth BankIndiana, PA | 11 | $5.0M | 5.4% | |
| 5 | Fulton Bank, National AssociationLancaster, PA | 8 | $13.8M | 3.9% | |
| 6 | The Huntington National BankColumbus, OH | 7 | $6.5M | 3.4% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 7 | $1.7M | 3.4% | |
| 8 | Northeast BankLewiston, ME | 7 | $275K | 3.4% | |
| 9 | PNC Bank, National AssociationWilmington, DE | 6 | $1.6M | 3.0% | |
| 10 | Community First Capital CorpLancaster, PA | 6 | $236K | 3.0% | |
| 11 | The Juniata Valley BankMifflintown, PA | 5 | $8.2M | 2.5% | |
| 12 | South Eastern Economic Development Company of PennsylvaniaExton, PA · CDC | 5 | $4.3M | 2.5% | |
| 13 | Northwest BankWarren, PA | 5 | $795K | 2.5% | |
| 14 | Wells Fargo Bank National AssociationSioux Falls, SD | 5 | $78K | 2.5% | |
| 15 | Live Oak Banking CompanyWilmington, NC | 4 | $3.1M | 2.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 21 | 10.3% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 14 | 6.9% | |
| 3 | Traveler AccommodationNAICS 7211 | 13 | 6.4% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 12 | 5.9% | |
| 5 | General Freight TruckingNAICS 4841 | 12 | 5.9% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 10 | 4.9% | |
| 7 | Child Day Care ServicesNAICS 6244 | 9 | 4.4% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 6 | 3.0% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 6 | 3.0% | |
| 10 | Personal Care ServicesNAICS 8121 | 6 | 3.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 38 | 18.7% | |
| 2 | Construction | 28 | 13.8% | |
| 3 | Other Services (except Public Administration) | 25 | 12.3% | |
| 4 | Retail Trade | 23 | 11.3% | |
| 5 | Health Care and Social Assistance | 21 | 10.3% | |
| 6 | Transportation and Warehousing | 17 | 8.4% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 13 | 6.4% | |
| 8 | Manufacturing | 8 | 3.9% |
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* | 30 | $30.8M | $241K | 2 | — | 32 | 360 |
| FY2025 | 42 | $16.4M | $125K | 5 | $7.2M | 47 | 559 |
| FY2024 | 41 | $17.3M | $61K | 1 | — | 42 | 412 |
| FY2023 | 30 | $33.0M | $188K | 1 | — | 31 | 599 |
| FY2022 | 44 | $33.0M | $250K | 2 | — | 46 | 930 |
| FY2021 | 34 | $23.5M | $240K | 3 | $1.6M | 37 | 520 |
| FY2020 | 27 | $20.6M | $265K | 0 | — | 27 | 338 |
| FY2019 | 35 | $13.7M | $100K | 4 | $2.6M | 39 | 285 |
| FY2018 | 44 | $15.4M | $113K | 1 | — | 45 | 296 |
| FY2017 | 53 | $22.1M | $140K | 2 | — | 55 | 504 |
| FY2016 | 60 | $19.8M | $150K | 1 | — | 61 | 643 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 227 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Dauphin County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 203 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 29.2 | 36.7 | 41.0 |
| Median 7(a) approval | $150K | $150K | $190K |
| Median 504 approval | $568K | $607K | $657K |
| Average approval | $673K | $482K | $573K |
| 504 share of approvals | 5.9% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 14.9 | 10.3 | 10.5 |
| Share of state approvals | 1.8% | 100.0% | — |
Approval sizes
- $50,000 or less29.6%60
- $50,001 to $150,00018.2%37
- $150,001 to $350,00017.7%36
- $350,001 to $1 million17.7%36
- $1 million to $2 million5.9%12
- Over $2 million10.8%22
Age of the businesses
- Existing, more than 2 years old46.3%94
- New business, 2 years or less19.2%39
- Startup, loan funds will open the business20.7%42
- Change of ownership13.8%28
Questions and answers
Which lenders make the most SBA loans in Dauphin County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (41), Beacon Bank and Trust (16), Mid Penn Bank (13), First Commonwealth Bank (11), Fulton Bank, National Association (8). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Dauphin County?
The median 7(a) approval was $150K and the median 504 approval $568K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Dauphin County?
Restaurants and Other Eating Places (21); Automotive Repair and Maintenance (14); Traveler Accommodation (13); Building Equipment Contractors (12); General Freight Trucking (12).
Is SBA lending in Dauphin County rising?
Approvals in the three latest complete fiscal years total 120, against 110 in the three before: broadly level (+9%).
How does Dauphin County compare with the rest of Pennsylvania?
29.2 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