SBA loan data
SBA loans in Pennsylvania: FY2020–FY2025 data
Pennsylvania ranked #8 of 50 states and DC by number of SBA 7(a) and 504 loans approved in FY2020–FY2025. Below: volume by year, loan sizes, industries, and the lenders and CDCs that made the most loans, all from SBA's public loan-level data.
Data as of (SBA 7(a) & 504 FOIA release). Headline figures cover fiscal years 2020 through 2025 (October 1, 2019 to September 30, 2025). Methodology and sources.
Headline numbers, FY2020–FY2025
11,089 SBA 7(a) and 504 loans totaling $5.44 billion were approved in Pennsylvania in FY2020–FY2025 (10,308 7(a) and 781 504), excluding loans later cancelled.
- 11,089SBA loans approved (7(a) + 504)
- $5.44 billionTotal approved amount
- $150,000Median 7(a) loan (10,308 loans)
- $604,000Median 504 amount (781 loans)
- 113,159Jobs supported, as reported on the loans
- 11.0%Loans to franchise businesses
What this means for a borrower
- Half of the 7(a) loans approved in Pennsylvania were between $50,000 and $478,500, and the median was $150,000, 24% below the national median of $198,300. A request well above $478,500 would be larger than three in four 7(a) loans recorded here.
- 47.3% of 7(a) loans here were under $150,000 (national: 40.6%).
- 504 loans were 7.0% of the loans counted here (national: 11.7%), with a median 504 amount of $604,000.
- 226 lenders (counted by name as recorded in the data) approved at least one 7(a) loan here. The 10 most active by count made 56.2% of 7(a) loans, so 7(a) lending here is moderately concentrated.
- 7(a) approvals went from 1,088 in FY2020 to 2,237 in FY2025, up 106%.
- The sector with the most loans was Construction (13.8% of loans), followed by Accommodation and Food Services (13.1%).
These are counts of approved loans. The data does not show applications that were declined or withdrawn, so it says nothing about approval odds, and past volume is not a forecast for any individual request.
Loans by fiscal year
| Fiscal year | 7(a) loans | 7(a) amount | 504 loans | 504 amount |
|---|---|---|---|---|
| FY2020 | 1,088 | $500.9 million | 112 | $88.7 million |
| FY2021 | 1,394 | $848.2 million | 158 | $129.2 million |
| FY2022 | 1,549 | $767.2 million | 173 | $171.4 million |
| FY2023 | 1,850 | $684.1 million | 122 | $138.6 million |
| FY2024 | 2,190 | $824.9 million | 89 | $77.7 million |
| FY2025 | 2,237 | $1.05 billion | 127 | $159.4 million |
| FY2026 (to 06/30, partial) | 1,192 | $588.7 million | 78 | $86.0 million |
FY2026 covers only part of the year and is not included in any other figure on this page. Recent years can still change as loans are cancelled after approval.
Loan sizes
| Measure | 7(a) | 504 |
|---|---|---|
| Loans | 10,308 | 781 |
| 25th percentile | $50,000 | $338,000 |
| Median | $150,000 | $604,000 |
| 75th percentile | $478,500 | $1,193,000 |
| Average | $453,634 | $979,408 |
| Loan amount | 7(a) loans | 7(a) share | 504 loans | 504 share |
|---|---|---|---|---|
| Under $150,000 | 4,875 | 47.3% | 16 | 2.0% |
| $150,000 to $349,999 | 2,104 | 20.4% | 193 | 24.7% |
| $350,000 to $999,999 | 2,054 | 19.9% | 334 | 42.8% |
| $1 million to $1,999,999 | 714 | 6.9% | 145 | 18.6% |
| $2 million to $4,999,999 | 502 | 4.9% | 82 | 10.5% |
| $5 million or more | 59 | 0.6% | 11 | 1.4% |
504 amounts are the CDC portion recorded in SBA's data (the "GrossApproval" field); the separate first-lien lender loan in a 504 project is not included, so 504 and 7(a) amounts are not directly comparable.
Industries
| Sector | Loans | Share | Amount |
|---|---|---|---|
| Construction (23) | 1,535 | 13.8% | $514.6 million |
| Accommodation and Food Services (72) | 1,450 | 13.1% | $946.7 million |
| Retail Trade (44-45) | 1,276 | 11.5% | $610.5 million |
| Other Services (except Public Administration) (81) | 1,180 | 10.6% | $488.6 million |
| Health Care and Social Assistance (62) | 970 | 8.7% | $524.5 million |
| Professional, Scientific, and Technical Services (54) | 917 | 8.3% | $462.9 million |
| Manufacturing (31-33) | 829 | 7.5% | $635.9 million |
| Administrative and Support and Waste Management and Remediation Services (56) | 672 | 6.1% | $209.0 million |
| Transportation and Warehousing (48-49) | 670 | 6.0% | $165.2 million |
| Wholesale Trade (42) | 410 | 3.7% | $278.2 million |
| Industry | Loans | Share |
|---|---|---|
| Full-Service Restaurants (722511) | 538 | 4.9% |
| Limited-Service Restaurants (722513) | 387 | 3.5% |
| Residential Remodelers (236118) | 308 | 2.8% |
| Landscaping Services (561730) | 263 | 2.4% |
| Plumbing, Heating, and Air-Conditioning Contractors (238220) | 240 | 2.2% |
| Child Care Services (624410) | 232 | 2.1% |
| General Freight Trucking, Local (484110) | 211 | 1.9% |
| Fitness and Recreational Sports Centers (713940) | 210 | 1.9% |
| Beauty Salons (812112) | 208 | 1.9% |
| All Other Specialty Trade Contractors (238990) | 204 | 1.8% |
Shares are of all 7(a) and 504 loans for Pennsylvania in FY2020–FY2025. Only industries with at least 10 loans are listed.
Most active lenders and CDCs
Ranked by number of loans approved for Pennsylvania in FY2020–FY2025, then by amount. Names are shown exactly as recorded in SBA's data; the same institution can appear under more than one name, and we do not merge them. Lenders or CDCs with fewer than 10 loans here are not listed. This is a count of past activity, not a ranking of quality or a recommendation.
| # | Lender (as recorded) | Loans | Amount |
|---|---|---|---|
| 1 | The Huntington National Bank | 1,563 | $321.5 million |
| 2 | TD Bank, National Association | 1,035 | $131.8 million |
| 3 | Manufacturers and Traders Trust Company | 1,001 | $132.0 million |
| 4 | Northwest Bank | 346 | $101.3 million |
| 5 | First Commonwealth Bank | 341 | $217.1 million |
| 6 | KeyBank National Association | 335 | $90.8 million |
| 7 | PNC Bank, National Association | 319 | $91.3 million |
| 8 | Meridian Bank | 305 | $286.3 million |
| 9 | Wilmington Savings Fund Society FSB | 292 | $235.0 million |
| 10 | BayFirst National Bank | 253 | $43.1 million |
| # | CDC (as recorded) | Loans | Amount |
|---|---|---|---|
| 1 | Empire State Certified Development Corporation | 225 | $242.3 million |
| 2 | South Eastern Economic Development Company of Pennsylvania | 190 | $181.8 million |
| 3 | Regional Development Funding Corporation | 118 | $84.7 million |
| 4 | NEPA Alliance Business Finance Corporation | 103 | $86.7 million |
| 5 | EDC Finance Corporation | 39 | $45.0 million |
| 6 | Trenton Business Assistance Corporation | 33 | $50.7 million |
| 7 | SEDA-COG Local Development Corporation | 32 | $30.6 million |
| 8 | Northeastern Economic Development Company of PA-CDC, Inc. | 25 | $18.3 million |
226 lender names appear on at least one 7(a) loan for Pennsylvania, and 13 CDC names on at least one 504 loan.
7(a) loans by processing method
| Processing method (as recorded) | Loans | Share of 7(a) |
|---|---|---|
| Preferred Lenders Program | 4,841 | 47.0% |
| SBA Express Program | 4,772 | 46.3% |
| 7a General | 590 | 5.7% |
| International Trade Loans | 33 | 0.3% |
| Working Capital CAPLine | 21 | 0.2% |
| Community Advantage Initiative | 14 | 0.1% |
Pennsylvania SBA loans by county
All 67 counties, by the project county recorded on each loan. Each county links to its own page with the same tables.
| County | Loans | Amount | Median 7(a) |
|---|---|---|---|
| Adams County | 82 | $39.4 million | $75,750 |
| Allegheny County | 1,425 | $618.0 million | $150,000 |
| Armstrong County | 19 | $5.21 million | $81,950 |
| Beaver County | 210 | $76.1 million | $62,800 |
| Bedford County | 15 | $8.43 million | $100,000 |
| Berks County | 346 | $187.2 million | $150,000 |
| Blair County | 53 | $34.6 million | $151,500 |
| Bradford County | 45 | $15.8 million | $62,500 |
| Bucks County | 791 | $447.1 million | $200,000 |
| Butler County | 287 | $134.2 million | $140,000 |
| Cambria County | 24 | $13.5 million | $190,750 |
| Cameron County | fewer than 10 | fewer than 10 | fewer than 10 |
| Carbon County | 36 | $18.7 million | $282,000 |
| Centre County | 83 | $37.9 million | $150,000 |
| Chester County | 590 | $371.6 million | $233,750 |
| Clarion County | 13 | $10.4 million | fewer than 10 |
| Clearfield County | 33 | $16.0 million | $150,000 |
| Clinton County | 24 | $6.96 million | $58,500 |
| Columbia County | 35 | $20.2 million | $128,350 |
| Crawford County | 39 | $19.0 million | $64,000 |
| Cumberland County | 204 | $114.1 million | $150,000 |
| Dauphin County | 203 | $141.7 million | $174,800 |
| Delaware County | 580 | $292.9 million | $200,000 |
| Elk County | 15 | $7.35 million | $232,500 |
| Erie County | 196 | $67.1 million | $101,500 |
| Fayette County | 54 | $33.7 million | $150,000 |
| Forest County | fewer than 10 | fewer than 10 | fewer than 10 |
| Franklin County | 55 | $31.8 million | $150,000 |
| Fulton County | fewer than 10 | fewer than 10 | fewer than 10 |
| Greene County | 20 | $7.34 million | $200,000 |
| Huntingdon County | 10 | $3.14 million | fewer than 10 |
| Indiana County | 35 | $23.9 million | $262,500 |
| Jefferson County | 30 | $22.8 million | $240,000 |
| Juniata County | fewer than 10 | fewer than 10 | fewer than 10 |
| Lackawanna County | 288 | $112.4 million | $150,000 |
| Lancaster County | 392 | $232.5 million | $183,000 |
| Lawrence County | 127 | $26.4 million | $65,000 |
| Lebanon County | 63 | $26.4 million | $150,000 |
| Lehigh County | 289 | $143.9 million | $150,000 |
| Luzerne County | 226 | $117.0 million | $140,750 |
| Lycoming County | 71 | $34.3 million | $190,000 |
| McKean County | 24 | $5.42 million | $98,000 |
| Mercer County | 114 | $36.9 million | $100,000 |
| Mifflin County | 10 | $2.63 million | $150,000 |
| Monroe County | 99 | $60.9 million | $150,000 |
| Montgomery County | 1,103 | $615.7 million | $200,000 |
| Montour County | fewer than 10 | fewer than 10 | fewer than 10 |
| Northampton County | 240 | $111.3 million | $150,000 |
| Northumberland County | 39 | $21.3 million | $49,500 |
| Perry County | 12 | $5.59 million | $211,000 |
| Philadelphia County | 1,148 | $498.3 million | $130,000 |
| Pike County | 26 | $15.0 million | $100,000 |
| Potter County | 13 | $2.30 million | $111,000 |
| Schuylkill County | 70 | $29.9 million | $88,950 |
| Snyder County | 16 | $12.2 million | $100,000 |
| Somerset County | 33 | $27.2 million | $246,500 |
| Sullivan County | fewer than 10 | fewer than 10 | fewer than 10 |
| Susquehanna County | 26 | $10.8 million | $81,350 |
| Tioga County | 27 | $16.3 million | $195,000 |
| Union County | 28 | $5.79 million | $90,000 |
| Venango County | 18 | $5.33 million | $135,650 |
| Warren County | 15 | $1.79 million | $101,400 |
| Washington County | 251 | $104.1 million | $122,650 |
| Wayne County | 47 | $22.7 million | $212,000 |
| Westmoreland County | 281 | $136.6 million | $153,500 |
| Wyoming County | 44 | $9.64 million | $57,500 |
| York County | 369 | $155.1 million | $115,750 |
Cameron County, Forest County, Fulton County, Juniata County, Montour County and Sullivan County each had fewer than 10 SBA 7(a) and 504 loans in FY2020–FY2025, so they do not have separate pages and their numbers are not shown. Their loans are included in the Pennsylvania totals above.
Compare
See national SBA loan data and every state. Industry pages show the same tables for the 25 industries with the most SBA loans nationally.
Questions this data answers
How many SBA loans were approved in Pennsylvania from FY2020 to FY2025?
11,089 SBA 7(a) and 504 loans totaling $5.44 billion: 10,308 7(a) loans and 781 504 loans, according to SBA FOIA data as of June 30, 2026. Loans later cancelled are excluded.
What is the median SBA 7(a) loan size in Pennsylvania?
$150,000 for loans approved in FY2020–FY2025. Half of the 7(a) loans were between $50,000 and $478,500; the average was $453,634, pulled up by a smaller number of large loans.
What is the typical SBA 504 loan amount in Pennsylvania?
The median 504 amount was $604,000 across 781 loans. This is the CDC portion recorded in SBA's data; the separate first-lien lender loan in a 504 project is not included.
Which industries received the most SBA loans in Pennsylvania?
By loan count: Construction (13.8%), Accommodation and Food Services (13.1%), Retail Trade (11.5%), based on the NAICS code recorded for each loan.
Related guides
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The numbers above describe loans that were approved. They do not say what any lender would do with your request. Tell us what you are trying to finance and we will help you see how it lines up. No documents needed to start, and we do not pull your credit.
Figures are compiled by Precise SBA from the U.S. Small Business Administration's public 7(a) and 504 FOIA loan-level data and are shown as recorded, including lender names. They describe past approvals only: they are not rates, approval odds, a ranking or an endorsement of any lender, and not a prediction for any loan. Precise SBA is not a lender and is not affiliated with the U.S. Small Business Administration. We never charge you. If a loan closes, the lender may pay us a referral fee, disclosed on SBA Form 159 (how we get paid).