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County7th of 67 in Pennsylvania by approvalsFIPS 42071
SBA loans in Lancaster 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 Lancaster County, Pennsylvania, received 390 SBA loan approvals worth $240M in FY2021 to FY2025 (348 7(a), 42 504).
That is 28.3 approvals per 1,000 business establishments (13,776 establishments in 2023), below the Pennsylvania figure of 36.7 and below the national 41.0.
It ranks 7th of 67 Pennsylvania counties with approvals. In FY2025 there were 103, up 18% on FY2024.
61 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (46), EDC Finance Corporation (26) and Mid Penn Bank (23). 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 Lancaster County
By number of approvals to businesses in the county, FY2021–FY2025; 61 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 46 | $6.9M | 11.8% | |
| 2 | EDC Finance CorporationLancaster, PA · CDC | 26 | $33.6M | 6.7% | |
| 3 | Mid Penn BankMillersburg, PA | 23 | $8.8M | 5.9% | |
| 4 | Fulton Bank, National AssociationLancaster, PA | 22 | $13.0M | 5.6% | |
| 5 | The Huntington National BankColumbus, OH | 19 | $4.5M | 4.9% | |
| 6 | Community First Capital CorpLancaster, PA | 19 | $2.8M | 4.9% | |
| 7 | Univest Bank and Trust CoSouderton, PA | 16 | $18.1M | 4.1% | |
| 8 | Orrstown BankHarrisburg, PA | 16 | $11.1M | 4.1% | |
| 9 | Northwest BankWarren, PA | 16 | $6.0M | 4.1% | |
| 10 | Newtek Bank, National AssociationMiami, FL | 14 | $5.8M | 3.6% | |
| 11 | Northeast BankLewiston, ME | 12 | $834K | 3.1% | |
| 12 | Beacon Bank and TrustBrookline, MA | 11 | $13.0M | 2.8% | |
| 13 | PNC Bank, National AssociationWilmington, DE | 11 | $1.4M | 2.8% | |
| 14 | TD Bank, National AssociationWilmington, DE | 10 | $4.0M | 2.6% | |
| 15 | Wilmington Savings Fund Society FSBWilmington, DE | 9 | $10.3M | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 40 | 10.3% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 16 | 4.1% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 16 | 4.1% | |
| 4 | Residential Building ConstructionNAICS 2361 | 16 | 4.1% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 14 | 3.6% | |
| 6 | Other Amusement and Recreation IndustriesNAICS 7139 | 14 | 3.6% | |
| 7 | Personal Care ServicesNAICS 8121 | 13 | 3.3% | |
| 8 | Automotive Repair and MaintenanceNAICS 8111 | 12 | 3.1% | |
| 9 | Traveler AccommodationNAICS 7211 | 11 | 2.8% | |
| 10 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 9 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 60 | 15.4% | |
| 2 | Accommodation and Food Services | 58 | 14.9% | |
| 3 | Manufacturing | 45 | 11.5% | |
| 4 | Retail Trade | 43 | 11.0% | |
| 5 | Other Services (except Public Administration) | 37 | 9.5% | |
| 6 | Health Care and Social Assistance | 28 | 7.2% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 27 | 6.9% | |
| 8 | Professional, Scientific, and Technical Services | 20 | 5.1% |
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* | 47 | $21.6M | $300K | 7 | $9.6M | 54 | 569 |
| FY2025 | 96 | $52.7M | $145K | 7 | $16.6M | 103 | 1,244 |
| FY2024 | 84 | $29.6M | $200K | 3 | $3.0M | 87 | 859 |
| FY2023 | 52 | $27.8M | $150K | 8 | $7.7M | 60 | 483 |
| FY2022 | 54 | $29.6M | $175K | 7 | $5.2M | 61 | 628 |
| FY2021 | 62 | $46.6M | $349K | 17 | $21.2M | 79 | 1,097 |
| FY2020 | 59 | $30.2M | $200K | 7 | $4.3M | 66 | 746 |
| FY2019 | 79 | $39.0M | $100K | 4 | $1.6M | 83 | 1,053 |
| FY2018 | 87 | $48.1M | $150K | 4 | $3.6M | 91 | 1,099 |
| FY2017 | 68 | $30.4M | $150K | 16 | $11.6M | 84 | 788 |
| FY2016 | 80 | $26.2M | $118K | 10 | $7.0M | 90 | 996 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 414 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Lancaster County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 390 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 28.3 | 36.7 | 41.0 |
| Median 7(a) approval | $182K | $150K | $190K |
| Median 504 approval | $944K | $607K | $657K |
| Average approval | $615K | $482K | $573K |
| 504 share of approvals | 10.8% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 11.1 | 10.3 | 10.5 |
| Share of state approvals | 3.5% | 100.0% | — |
Approval sizes
- $50,000 or less24.1%94
- $50,001 to $150,00019.0%74
- $150,001 to $350,00017.2%67
- $350,001 to $1 million23.3%91
- $1 million to $2 million7.4%29
- Over $2 million9.0%35
Age of the businesses
- Existing, more than 2 years old48.5%189
- New business, 2 years or less15.6%61
- Startup, loan funds will open the business21.5%84
- Change of ownership14.4%56
Questions and answers
Which lenders make the most SBA loans in Lancaster County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (46), EDC Finance Corporation (26), Mid Penn Bank (23), Fulton Bank, National Association (22), The Huntington National Bank (19). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Lancaster County?
The median 7(a) approval was $182K and the median 504 approval $944K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Lancaster County?
Restaurants and Other Eating Places (40); Building Equipment Contractors (16); Services to Buildings and Dwellings (16); Residential Building Construction (16); Other Specialty Trade Contractors (14).
Is SBA lending in Lancaster County rising?
Approvals in the three latest complete fiscal years total 250, against 206 in the three before: rising (+21%).
How does Lancaster County compare with the rest of Pennsylvania?
28.3 approvals per 1,000 establishments against 36.7 statewide, and 390 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