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County8th of 67 in Pennsylvania by approvalsFIPS 42133
SBA loans in York 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 York County, Pennsylvania, received 366 SBA loan approvals worth $143M in FY2021 to FY2025 (355 7(a), 11 504).
That is 41.4 approvals per 1,000 business establishments (8,840 establishments in 2023), close to the Pennsylvania figure of 36.7 and close to the national 41.0.
It ranks 8th of 67 Pennsylvania counties with approvals. In FY2025 there were 107, up 43% on FY2024.
52 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (146), Orrstown Bank (26) and Beacon Bank and Trust (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 York County
By number of approvals to businesses in the county, FY2021–FY2025; 52 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 146 | $23.0M | 39.9% | |
| 2 | Orrstown BankHarrisburg, PA | 26 | $8.2M | 7.1% | |
| 3 | Beacon Bank and TrustBrookline, MA | 12 | $12.2M | 3.3% | |
| 4 | Fulton Bank, National AssociationLancaster, PA | 12 | $7.9M | 3.3% | |
| 5 | The Huntington National BankColumbus, OH | 12 | $1.9M | 3.3% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 11 | $16.1M | 3.0% | |
| 7 | BayFirst National BankSaint Petersburg, FL | 11 | $1.3M | 3.0% | |
| 8 | Northeast BankLewiston, ME | 10 | $891K | 2.7% | |
| 9 | Univest Bank and Trust CoSouderton, PA | 9 | $8.4M | 2.5% | |
| 10 | First Commonwealth BankIndiana, PA | 9 | $3.0M | 2.5% | |
| 11 | PNC Bank, National AssociationWilmington, DE | 9 | $1.3M | 2.5% | |
| 12 | Readycap Lending, LLCBerkeley Heights, NJ | 8 | $1.7M | 2.2% | |
| 13 | Newtek Bank, National AssociationMiami, FL | 7 | $1.8M | 1.9% | |
| 14 | Community First Capital CorpLancaster, PA | 6 | $563K | 1.6% | |
| 15 | Mid Penn BankMillersburg, PA | 5 | $1.9M | 1.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 38 | 10.4% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 18 | 4.9% | |
| 3 | Other Schools and InstructionNAICS 6116 | 15 | 4.1% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 14 | 3.8% | |
| 5 | Personal Care ServicesNAICS 8121 | 13 | 3.6% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 12 | 3.3% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 12 | 3.3% | |
| 8 | Residential Building ConstructionNAICS 2361 | 10 | 2.7% | |
| 9 | Specialty Food StoresNAICS 4452 | 9 | 2.5% | |
| 10 | General Freight TruckingNAICS 4841 | 8 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 52 | 14.2% | |
| 2 | Construction | 48 | 13.1% | |
| 3 | Other Services (except Public Administration) | 42 | 11.5% | |
| 4 | Retail Trade | 40 | 10.9% | |
| 5 | Manufacturing | 34 | 9.3% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 30 | 8.2% | |
| 7 | Professional, Scientific, and Technical Services | 27 | 7.4% | |
| 8 | Health Care and Social Assistance | 20 | 5.5% |
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* | 56 | $18.1M | $150K | 3 | $3.2M | 59 | 709 |
| FY2025 | 105 | $37.1M | $100K | 2 | — | 107 | 916 |
| FY2024 | 75 | $20.3M | $110K | 0 | — | 75 | 619 |
| FY2023 | 70 | $20.1M | $83K | 2 | — | 72 | 631 |
| FY2022 | 55 | $23.3M | $140K | 2 | — | 57 | 654 |
| FY2021 | 50 | $30.2M | $253K | 5 | $6.7M | 55 | 489 |
| FY2020 | 47 | $19.7M | $100K | 3 | $3.4M | 50 | 404 |
| FY2019 | 57 | $19.2M | $60K | 3 | $2.1M | 60 | 431 |
| FY2018 | 73 | $29.3M | $75K | 0 | — | 73 | 790 |
| FY2017 | 60 | $23.9M | $100K | 5 | $5.3M | 65 | 677 |
| FY2016 | 64 | $14.6M | $100K | 8 | $3.8M | 72 | 657 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 320 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | York County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 366 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 41.4 | 36.7 | 41.0 |
| Median 7(a) approval | $118K | $150K | $190K |
| Median 504 approval | $783K | $607K | $657K |
| Average approval | $392K | $482K | $573K |
| 504 share of approvals | 3.0% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 9.0 | 10.3 | 10.5 |
| Share of state approvals | 3.2% | 100.0% | — |
Approval sizes
- $50,000 or less32.2%118
- $50,001 to $150,00024.3%89
- $150,001 to $350,00015.8%58
- $350,001 to $1 million18.0%66
- $1 million to $2 million5.5%20
- Over $2 million4.1%15
Age of the businesses
- Existing, more than 2 years old47.3%173
- New business, 2 years or less21.9%80
- Startup, loan funds will open the business19.1%70
- Change of ownership11.7%43
Questions and answers
Which lenders make the most SBA loans in York County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (146), Orrstown Bank (26), Beacon Bank and Trust (12), Fulton Bank, National Association (12), The Huntington National Bank (12). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in York County?
The median 7(a) approval was $118K and the median 504 approval $783K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in York County?
Restaurants and Other Eating Places (38); Services to Buildings and Dwellings (18); Other Schools and Instruction (15); Other Specialty Trade Contractors (14); Personal Care Services (13).
Is SBA lending in York County rising?
Approvals in the three latest complete fiscal years total 254, against 162 in the three before: rising (+57%).
How does York County compare with the rest of Pennsylvania?
41.4 approvals per 1,000 establishments against 36.7 statewide, and 366 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