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County37th of 67 in Pennsylvania by approvalsFIPS 42097
SBA loans in Northumberland 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 Northumberland County, Pennsylvania, received 40 SBA loan approvals worth $24.2M in FY2021 to FY2025 (36 7(a), 4 504).
That is 24.8 approvals per 1,000 business establishments (1,611 establishments in 2023), below the Pennsylvania figure of 36.7 and below the national 41.0.
It ranks 37th of 67 Pennsylvania counties with approvals. In FY2025 there were 11, about level with FY2024.
11 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (25), Byline Bank (2) and SEDA-COG Local Development Corporation (2). The most common industry was grocery stores.
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 Northumberland County
By number of approvals to businesses in the county, FY2021–FY2025; 11 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 25 | $2.5M | 62.5% | |
| 2 | Byline BankChicago, IL | 2 | — | 5.0% | |
| 3 | SEDA-COG Local Development CorporationLewisburg, PA · CDC | 2 | — | 5.0% | |
| 4 | Newtek Bank, National AssociationMiami, FL | 2 | — | 5.0% | |
| 5 | Fulton Bank, National AssociationLancaster, PA | 2 | — | 5.0% | |
| 6 | NEPA Alliance Business Finance CorporationPittston, PA | 2 | — | 5.0% | |
| 7 | Wilmington Savings Fund Society FSBWilmington, DE | 1 | — | 2.5% | |
| 8 | Empire State Certified Development CorporationLatham, NY · CDC | 1 | — | 2.5% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.5% | |
| 10 | South Eastern Economic Development Company of PennsylvaniaExton, PA · CDC | 1 | — | 2.5% | |
| 11 | Citizens & Northern BankWellsboro, PA | 1 | — | 2.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Grocery StoresNAICS 4451 | 5 | 12.5% | |
| 2 | General Freight TruckingNAICS 4841 | 3 | 7.5% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 7.5% | |
| 4 | Resin, Synthetic Rubber, and Artificial and Synthetic Fibers and Filaments ManufacturingNAICS 3252 | 2 | 5.0% | |
| 5 | Warehouse Clubs, Supercenters, and Other General Merchandise RetailersNAICS 4552 | 2 | 5.0% | |
| 6 | Greenhouse, Nursery, and Floriculture ProductionNAICS 1114 | 2 | 5.0% | |
| 7 | Other Residential Care FacilitiesNAICS 6239 | 2 | 5.0% | |
| 8 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 5.0% | |
| 9 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 1 | 2.5% | |
| 10 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 1 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 10 | 25.0% | |
| 2 | Transportation and Warehousing | 4 | 10.0% | |
| 3 | Construction | 4 | 10.0% | |
| 4 | Manufacturing | 3 | 7.5% | |
| 5 | Wholesale Trade | 3 | 7.5% | |
| 6 | Health Care and Social Assistance | 3 | 7.5% | |
| 7 | Agriculture, Forestry, Fishing and Hunting | 3 | 7.5% | |
| 8 | Other Services (except Public Administration) | 2 | 5.0% |
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* | 19 | $8.1M | $25K | 0 | — | 19 | 188 |
| FY2025 | 11 | $3.1M | $25K | 0 | — | 11 | 45 |
| FY2024 | 10 | $3.8M | $104K | 1 | — | 11 | 299 |
| FY2023 | 7 | $5.7M | $100K | 1 | — | 8 | 506 |
| FY2022 | 0 | — | — | 0 | — | 0 | 0 |
| FY2021 | 8 | $4.1M | $33K | 2 | — | 10 | 56 |
| FY2020 | 11 | $1.6M | $40K | 0 | — | 11 | 20 |
| FY2019 | 8 | $455K | $30K | 0 | — | 8 | 24 |
| FY2018 | 9 | $6.7M | $125K | 0 | — | 9 | 76 |
| FY2017 | 16 | $8.5M | $75K | 0 | — | 16 | 223 |
| FY2016 | 14 | $8.8M | $100K | 0 | — | 14 | 164 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 58 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Northumberland County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 40 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 24.8 | 36.7 | 41.0 |
| Median 7(a) approval | $50K | $150K | $190K |
| Median 504 approval | $2.0M | $607K | $657K |
| Average approval | $606K | $482K | $573K |
| 504 share of approvals | 10.0% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 22.7 | 10.3 | 10.5 |
| Share of state approvals | 0.4% | 100.0% | — |
Approval sizes
- $50,000 or less47.5%19
- $50,001 to $150,00012.5%5
- $150,001 to $350,00010.0%4
- $350,001 to $1 million7.5%3
- $1 million to $2 million7.5%3
- Over $2 million15.0%6
Age of the businesses
- Existing, more than 2 years old32.5%13
- New business, 2 years or less35.0%14
- Startup, loan funds will open the business27.5%11
- Change of ownership5.0%2
Questions and answers
Which lenders make the most SBA loans in Northumberland County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (25), Byline Bank (2), SEDA-COG Local Development Corporation (2), Newtek Bank, National Association (2), Fulton Bank, National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Northumberland County?
The median 7(a) approval was $50K and the median 504 approval $2.0M; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Northumberland County?
Grocery Stores (5); General Freight Trucking (3); Other Specialty Trade Contractors (3); Resin, Synthetic Rubber, and Artificial and Synthetic Fibers and Filaments Manufacturing (2); Warehouse Clubs, Supercenters, and Other General Merchandise Retailers (2).
Is SBA lending in Northumberland County rising?
Approvals in the three latest complete fiscal years total 30, against 21 in the three before: rising (+43%).
How does Northumberland County compare with the rest of Pennsylvania?
24.8 approvals per 1,000 establishments against 36.7 statewide, and 40 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