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County15th of 67 in Pennsylvania by approvalsFIPS 42125
SBA loans in Washington 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 251 loans to businesses in Washington County, Pennsylvania, in FY2021 to FY2025, worth $109M: 239 under 7(a) and 12 under 504.
That is 47.0 approvals per 1,000 business establishments (5,340 establishments in 2023), above the Pennsylvania figure of 36.7 and close to the national 41.0.
It ranks 15th of 67 Pennsylvania counties with approvals. In FY2025 there were 50, down 12% on FY2024.
35 lenders had approvals here; the most active were The Huntington National Bank (114), First Commonwealth Bank (21) and Northwest Bank (19). The most common industry was automotive repair and maintenance.
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 Washington County
By number of approvals to businesses in the county, FY2021–FY2025; 35 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 114 | $17.7M | 45.4% | |
| 2 | First Commonwealth BankIndiana, PA | 21 | $14.9M | 8.4% | |
| 3 | Northwest BankWarren, PA | 19 | $3.8M | 7.6% | |
| 4 | PNC Bank, National AssociationWilmington, DE | 16 | $10.2M | 6.4% | |
| 5 | Regional Development Funding CorporationPittsburgh, PA · CDC | 11 | $10.0M | 4.4% | |
| 6 | KeyBank National AssociationCleveland, OH | 11 | $749K | 4.4% | |
| 7 | Newtek Small Business Finance, Inc.Lake Success, NY | 6 | $9.1M | 2.4% | |
| 8 | Live Oak Banking CompanyWilmington, NC | 5 | $3.4M | 2.0% | |
| 9 | Enterprise BankAllison Park, PA | 5 | $2.7M | 2.0% | |
| 10 | United Midwest Savings Bank National AssociationDe Graff, OH | 5 | $1.4M | 2.0% | |
| 11 | WesBanco Bank, Inc.Wheeling, WV | 3 | $2.7M | 1.2% | |
| 12 | Citizens Bank, National AssociationProvidence, RI | 3 | $1.1M | 1.2% | |
| 13 | Northeast BankLewiston, ME | 3 | $366K | 1.2% | |
| 14 | Manufacturers and Traders Trust CompanyBuffalo, NY | 3 | $200K | 1.2% | |
| 15 | Village Bank and Trust, National AssociationArlington Heights, IL | 2 | — | 0.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Automotive Repair and MaintenanceNAICS 8111 | 18 | 7.2% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 17 | 6.8% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 15 | 6.0% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 15 | 6.0% | |
| 5 | Personal Care ServicesNAICS 8121 | 13 | 5.2% | |
| 6 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 10 | 4.0% | |
| 7 | Home Health Care ServicesNAICS 6216 | 9 | 3.6% | |
| 8 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 8 | 3.2% | |
| 9 | Waste CollectionNAICS 5621 | 8 | 3.2% | |
| 10 | Offices of Other Health PractitionersNAICS 6213 | 8 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 54 | 21.5% | |
| 2 | Other Services (except Public Administration) | 44 | 17.5% | |
| 3 | Accommodation and Food Services | 28 | 11.2% | |
| 4 | Manufacturing | 27 | 10.8% | |
| 5 | Professional, Scientific, and Technical Services | 23 | 9.2% | |
| 6 | Health Care and Social Assistance | 17 | 6.8% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 16 | 6.4% | |
| 8 | Retail Trade | 14 | 5.6% |
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* | 21 | $9.3M | $250K | 0 | — | 21 | 249 |
| FY2025 | 48 | $15.5M | $115K | 2 | — | 50 | 558 |
| FY2024 | 56 | $16.6M | $88K | 1 | — | 57 | 462 |
| FY2023 | 54 | $14.2M | $100K | 1 | — | 55 | 659 |
| FY2022 | 45 | $32.1M | $150K | 3 | $4.3M | 48 | 531 |
| FY2021 | 36 | $17.0M | $150K | 5 | $4.3M | 41 | 305 |
| FY2020 | 30 | $8.3M | $164K | 2 | — | 32 | 272 |
| FY2019 | 36 | $15.8M | $247K | 4 | $1.2M | 40 | 756 |
| FY2018 | 30 | $5.6M | $100K | 1 | — | 31 | 407 |
| FY2017 | 27 | $13.1M | $100K | 3 | $1.8M | 30 | 317 |
| FY2016 | 46 | $9.8M | $72K | 4 | $3.3M | 50 | 775 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 183 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Washington County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 251 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 47.0 | 36.7 | 41.0 |
| Median 7(a) approval | $127K | $150K | $190K |
| Median 504 approval | $324K | $607K | $657K |
| Average approval | $433K | $482K | $573K |
| 504 share of approvals | 4.8% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 10.0 | 10.3 | 10.5 |
| Share of state approvals | 2.2% | 100.0% | — |
Approval sizes
- $50,000 or less32.3%81
- $50,001 to $150,00023.1%58
- $150,001 to $350,00019.1%48
- $350,001 to $1 million17.1%43
- $1 million to $2 million3.2%8
- Over $2 million5.2%13
Age of the businesses
- Existing, more than 2 years old60.6%152
- New business, 2 years or less11.2%28
- Startup, loan funds will open the business21.5%54
- Change of ownership6.8%17
Questions and answers
Which lenders make the most SBA loans in Washington County?
By approvals in FY2021 to FY2025: The Huntington National Bank (114), First Commonwealth Bank (21), Northwest Bank (19), PNC Bank, National Association (16), Regional Development Funding Corporation (11). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Washington County?
The median 7(a) approval was $127K and the median 504 approval $324K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Washington County?
Automotive Repair and Maintenance (18); Building Equipment Contractors (17); Restaurants and Other Eating Places (15); Other Specialty Trade Contractors (15); Personal Care Services (13).
Is SBA lending in Washington County rising?
Approvals in the three latest complete fiscal years total 162, against 121 in the three before: rising (+34%).
How does Washington County compare with the rest of Pennsylvania?
47.0 approvals per 1,000 establishments against 36.7 statewide, and 251 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