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County25th of 67 in Pennsylvania by approvalsFIPS 42081
SBA loans in Lycoming 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.
SBA approved 83 loans to businesses in Lycoming County, Pennsylvania, in FY2021 to FY2025, worth $34.1M: 79 under 7(a) and 4 under 504.
That is 30.2 approvals per 1,000 business establishments (2,744 establishments in 2023), below the Pennsylvania figure of 36.7 and below the national 41.0.
It ranks 25th of 67 Pennsylvania counties with approvals. In FY2025 there were 38, up 245% on FY2024.
18 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (26), First Commonwealth Bank (9) and Northeast Bank (8). The most common industry was building equipment contractors.
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 Lycoming County
By number of approvals to businesses in the county, FY2021–FY2025; 18 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 26 | $7.3M | 31.3% | |
| 2 | First Commonwealth BankIndiana, PA | 9 | $5.1M | 10.8% | |
| 3 | Northeast BankLewiston, ME | 8 | $1.5M | 9.6% | |
| 4 | Celtic Bank CorporationSalt Lake City, UT | 5 | $3.3M | 6.0% | |
| 5 | Northwest BankWarren, PA | 5 | $2.9M | 6.0% | |
| 6 | Citizens & Northern BankWellsboro, PA | 5 | $1.0M | 6.0% | |
| 7 | The Huntington National BankColumbus, OH | 5 | $848K | 6.0% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 4 | $775K | 4.8% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 4 | $572K | 4.8% | |
| 10 | SEDA-COG Local Development CorporationLewisburg, PA · CDC | 3 | $1.7M | 3.6% | |
| 11 | United Midwest Savings Bank National AssociationDe Graff, OH | 2 | — | 2.4% | |
| 12 | Centerstone SBA Lending, Inc.Los Angeles, CA | 1 | — | 1.2% | |
| 13 | Empire State Certified Development CorporationLatham, NY · CDC | 1 | — | 1.2% | |
| 14 | First National Bank of PennsylvaniaGreenville, PA | 1 | — | 1.2% | |
| 15 | Platinum BankOakdale, MN | 1 | — | 1.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Building Equipment ContractorsNAICS 2382 | 6 | 7.2% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 4.8% | |
| 3 | Personal Care ServicesNAICS 8121 | 4 | 4.8% | |
| 4 | Residential Building ConstructionNAICS 2361 | 4 | 4.8% | |
| 5 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 3 | 3.6% | |
| 6 | General Freight TruckingNAICS 4841 | 3 | 3.6% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 3.6% | |
| 8 | Motor Vehicle and Motor Vehicle Parts and Supplies Merchant WholesalersNAICS 4231 | 3 | 3.6% | |
| 9 | Architectural and Structural Metals ManufacturingNAICS 3323 | 3 | 3.6% | |
| 10 | Sugar and Confectionery Product ManufacturingNAICS 3113 | 3 | 3.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 17 | 20.5% | |
| 2 | Manufacturing | 14 | 16.9% | |
| 3 | Retail Trade | 11 | 13.3% | |
| 4 | Other Services (except Public Administration) | 10 | 12.0% | |
| 5 | Wholesale Trade | 7 | 8.4% | |
| 6 | Professional, Scientific, and Technical Services | 6 | 7.2% | |
| 7 | Accommodation and Food Services | 5 | 6.0% | |
| 8 | Transportation and Warehousing | 5 | 6.0% |
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* | 9 | $2.6M | $115K | 0 | — | 9 | 55 |
| FY2025 | 36 | $11.3M | $150K | 2 | — | 38 | 273 |
| FY2024 | 10 | $1.2M | $56K | 1 | — | 11 | 102 |
| FY2023 | 11 | $2.3M | $150K | 0 | — | 11 | 79 |
| FY2022 | 11 | $6.8M | $150K | 1 | — | 12 | 102 |
| FY2021 | 11 | $9.8M | $500K | 0 | — | 11 | 226 |
| FY2020 | 3 | $9.4M | $4.3M | 0 | — | 3 | 60 |
| FY2019 | 6 | $325K | $50K | 0 | — | 6 | 52 |
| FY2018 | 11 | $2.4M | $100K | 0 | — | 11 | 56 |
| FY2017 | 18 | $8.1M | $73K | 0 | — | 18 | 145 |
| FY2016 | 4 | $5.1M | $1.0M | 0 | — | 4 | 58 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 42 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Lycoming County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 83 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 30.2 | 36.7 | 41.0 |
| Median 7(a) approval | $150K | $150K | $190K |
| Median 504 approval | $604K | $607K | $657K |
| Average approval | $411K | $482K | $573K |
| 504 share of approvals | 4.8% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 9.4 | 10.3 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less26.5%22
- $50,001 to $150,00025.3%21
- $150,001 to $350,00022.9%19
- $350,001 to $1 million13.3%11
- $1 million to $2 million8.4%7
- Over $2 million3.6%3
Age of the businesses
- Existing, more than 2 years old57.8%48
- New business, 2 years or less16.9%14
- Startup, loan funds will open the business12.0%10
- Change of ownership13.3%11
Questions and answers
Which lenders make the most SBA loans in Lycoming County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (26), First Commonwealth Bank (9), Northeast Bank (8), Celtic Bank Corporation (5), Northwest Bank (5). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Lycoming County?
The median 7(a) approval was $150K and the median 504 approval $604K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Lycoming County?
Building Equipment Contractors (6); Restaurants and Other Eating Places (4); Personal Care Services (4); Residential Building Construction (4); Machinery, Equipment, and Supplies Merchant Wholesalers (3).
Is SBA lending in Lycoming County rising?
Approvals in the three latest complete fiscal years total 60, against 26 in the three before: rising (+131%).
How does Lycoming County compare with the rest of Pennsylvania?
30.2 approvals per 1,000 establishments against 36.7 statewide, and 83 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