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County14th of 67 in Pennsylvania by approvalsFIPS 42095
SBA loans in Northampton 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 255 loans to businesses in Northampton County, Pennsylvania, in FY2021 to FY2025, worth $121M: 239 under 7(a) and 16 under 504.
That is 39.1 approvals per 1,000 business establishments (6,529 establishments in 2023), close to the Pennsylvania figure of 36.7 and close to the national 41.0.
It ranks 14th of 67 Pennsylvania counties with approvals. In FY2025 there were 80, up 67% on FY2024.
58 lenders had approvals here; the most active were TD Bank, National Association (50), The Huntington National Bank (13) and Newtek Bank, National Association (12). 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 Northampton County
By number of approvals to businesses in the county, FY2021–FY2025; 58 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | TD Bank, National AssociationWilmington, DE | 50 | $6.2M | 19.6% | |
| 2 | The Huntington National BankColumbus, OH | 13 | $2.9M | 5.1% | |
| 3 | Newtek Bank, National AssociationMiami, FL | 12 | $6.3M | 4.7% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 12 | $1.1M | 4.7% | |
| 5 | Northeast BankLewiston, ME | 11 | $1.6M | 4.3% | |
| 6 | Manufacturers and Traders Trust CompanyBuffalo, NY | 11 | $616K | 4.3% | |
| 7 | PNC Bank, National AssociationWilmington, DE | 9 | $1.6M | 3.5% | |
| 8 | Wilmington Savings Fund Society FSBWilmington, DE | 8 | $4.9M | 3.1% | |
| 9 | Fidelity Deposit and Discount BankDunmore, PA | 8 | $3.4M | 3.1% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 8 | $1.3M | 3.1% | |
| 11 | Beacon Bank and TrustBrookline, MA | 7 | $10.0M | 2.7% | |
| 12 | Empire State Certified Development CorporationLatham, NY · CDC | 7 | $8.8M | 2.7% | |
| 13 | Meridian BankMalvern, PA | 7 | $4.9M | 2.7% | |
| 14 | KeyBank National AssociationCleveland, OH | 7 | $2.7M | 2.7% | |
| 15 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $277K | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 29 | 11.4% | |
| 2 | General Freight TruckingNAICS 4841 | 16 | 6.3% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 13 | 5.1% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 13 | 5.1% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 11 | 4.3% | |
| 6 | Personal Care ServicesNAICS 8121 | 9 | 3.5% | |
| 7 | Building Finishing ContractorsNAICS 2383 | 7 | 2.7% | |
| 8 | Other Personal ServicesNAICS 8129 | 6 | 2.4% | |
| 9 | Automotive Repair and MaintenanceNAICS 8111 | 6 | 2.4% | |
| 10 | Architectural, Engineering, and Related ServicesNAICS 5413 | 4 | 1.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 35 | 13.7% | |
| 2 | Accommodation and Food Services | 32 | 12.5% | |
| 3 | Other Services (except Public Administration) | 28 | 11.0% | |
| 4 | Health Care and Social Assistance | 26 | 10.2% | |
| 5 | Transportation and Warehousing | 22 | 8.6% | |
| 6 | Construction | 17 | 6.7% | |
| 7 | Manufacturing | 16 | 6.3% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 16 | 6.3% |
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* | 32 | $12.7M | $203K | 1 | — | 33 | 227 |
| FY2025 | 76 | $34.3M | $150K | 4 | $4.7M | 80 | 875 |
| FY2024 | 48 | $13.9M | $75K | 0 | — | 48 | 373 |
| FY2023 | 48 | $26.3M | $150K | 6 | $8.7M | 54 | 745 |
| FY2022 | 33 | $11.1M | $110K | 3 | $2.1M | 36 | 371 |
| FY2021 | 34 | $17.0M | $270K | 3 | $3.4M | 37 | 425 |
| FY2020 | 27 | $8.5M | $55K | 2 | — | 29 | 248 |
| FY2019 | 46 | $10.4M | $113K | 2 | — | 48 | 363 |
| FY2018 | 43 | $12.8M | $75K | 1 | — | 44 | 582 |
| FY2017 | 39 | $13.3M | $150K | 1 | — | 40 | 544 |
| FY2016 | 34 | $10.5M | $108K | 1 | — | 35 | 213 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 196 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Northampton County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 255 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 39.1 | 36.7 | 41.0 |
| Median 7(a) approval | $150K | $150K | $190K |
| Median 504 approval | $1.2M | $607K | $657K |
| Average approval | $476K | $482K | $573K |
| 504 share of approvals | 6.3% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 10.9 | 10.3 | 10.5 |
| Share of state approvals | 2.3% | 100.0% | — |
Approval sizes
- $50,000 or less32.9%84
- $50,001 to $150,00018.4%47
- $150,001 to $350,00012.5%32
- $350,001 to $1 million21.2%54
- $1 million to $2 million9.8%25
- Over $2 million5.1%13
Age of the businesses
- Existing, more than 2 years old49.8%127
- New business, 2 years or less22.7%58
- Startup, loan funds will open the business14.5%37
- Change of ownership12.9%33
Questions and answers
Which lenders make the most SBA loans in Northampton County?
By approvals in FY2021 to FY2025: TD Bank, National Association (50), The Huntington National Bank (13), Newtek Bank, National Association (12), Readycap Lending, LLC (12), Northeast Bank (11). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Northampton County?
The median 7(a) approval was $150K and the median 504 approval $1.2M; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Northampton County?
Restaurants and Other Eating Places (29); General Freight Trucking (16); Other Amusement and Recreation Industries (13); Offices of Other Health Practitioners (13); Services to Buildings and Dwellings (11).
Is SBA lending in Northampton County rising?
Approvals in the three latest complete fiscal years total 182, against 102 in the three before: rising (+78%).
How does Northampton County compare with the rest of Pennsylvania?
39.1 approvals per 1,000 establishments against 36.7 statewide, and 255 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