SBA loan data
SBA loans in Cumberland County, PA: FY2020–FY2025 data
Cumberland County ranked #18 of Pennsylvania's 67 counties by number of SBA 7(a) and 504 loans approved in FY2020–FY2025, with 1.8% of the state's loans. Below: volume by year, loan sizes, industries, and the lenders and CDCs that made the most loans.
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
204 SBA 7(a) and 504 loans totaling $114.1 million were approved in Cumberland County in FY2020–FY2025 (189 7(a) and 15 504), excluding loans later cancelled.
- 204SBA loans approved (7(a) + 504)
- $114.1 millionTotal approved amount
- $150,000Median 7(a) loan (189 loans)
- $921,000Median 504 amount (15 loans)
- 2,403Jobs supported, as reported on the loans
- 27.0%Loans to franchise businesses
What this means for a borrower
- Half of the 7(a) loans approved in Cumberland County were between $50,000 and $500,000, and the median was $150,000, close to the Pennsylvania median of $150,000. A request well above $500,000 would be larger than three in four 7(a) loans recorded here.
- 42.3% of 7(a) loans here were under $150,000 (Pennsylvania: 47.3%).
- 504 loans were 7.4% of the loans counted here (Pennsylvania: 7.0%), with a median 504 amount of $921,000.
- 43 lenders (counted by name as recorded in the data) approved at least one 7(a) loan here. The 3 most active by count made 44.4% of 7(a) loans, so 7(a) lending here is moderately concentrated.
- 7(a) approvals went from 16 in FY2020 to 44 in FY2025, up 175%.
- The sector with the most loans was Construction (13.7% of loans), followed by Health Care and Social Assistance (12.3%).
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 The data does not show applications that were declined or withdrawn, so it says nothing about approval odds, and past volume is not a forecast for any individual request.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 | 16 | $6.31 million | fewer than 10 | fewer than 10 |
| FY2021 | 29 | $15.3 million | fewer than 10 | fewer than 10 |
| FY2022 | 28 | $16.5 million | fewer than 10 | fewer than 10 |
| FY2023 | 31 | $11.9 million | fewer than 10 | fewer than 10 |
| FY2024 | 41 | $21.9 million | fewer than 10 | fewer than 10 |
| FY2025 | 44 | $21.9 million | fewer than 10 | fewer than 10 |
| FY2026 (to 06/30, partial) | 31 | $10.5 million | fewer than 10 | fewer than 10 |
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 | 189 | 15 |
| 25th percentile | $50,000 | $457,000 |
| Median | $150,000 | $921,000 |
| 75th percentile | $500,000 | $2,157,500 |
| Average | $496,830 | $1,344,133 |
| Loan amount | 7(a) loans | 7(a) share | 504 loans | 504 share |
|---|---|---|---|---|
| Under $150,000 | 80 | 42.3% | fewer than 10 | fewer than 10 |
| $150,000 to $349,999 | 44 | 23.3% | fewer than 10 | fewer than 10 |
| $350,000 to $999,999 | 35 | 18.5% | fewer than 10 | fewer than 10 |
| $1 million to $1,999,999 | 18 | 9.5% | fewer than 10 | fewer than 10 |
| $2 million to $4,999,999 | 12 | 6.3% | fewer than 10 | fewer than 10 |
| $5 million or more | fewer than 10 | fewer than 10 | fewer than 10 | fewer than 10 |
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) | 28 | 13.7% | $8.00 million |
| Health Care and Social Assistance (62) | 25 | 12.3% | $22.1 million |
| Retail Trade (44-45) | 24 | 11.8% | $7.94 million |
| Accommodation and Food Services (72) | 22 | 10.8% | $23.9 million |
| Administrative and Support and Waste Management and Remediation Services (56) | 21 | 10.3% | $8.17 million |
| Manufacturing (31-33) | 19 | 9.3% | $12.3 million |
| Other Services (except Public Administration) (81) | 17 | 8.3% | $12.9 million |
| Transportation and Warehousing (48-49) | 13 | 6.4% | $4.18 million |
| Professional, Scientific, and Technical Services (54) | 10 | 4.9% | $1.99 million |
| Arts, Entertainment, and Recreation (71) | 10 | 4.9% | $5.38 million |
Shares are of all 7(a) and 504 loans for Cumberland County, PA in FY2020–FY2025. Only industries with at least 10 loans are listed.
Most active lenders and CDCs
Ranked by number of loans approved for Cumberland County, PA 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 | Manufacturers and Traders Trust Company | 42 | $4.43 million |
| 2 | Beacon Bank and Trust | 25 | $15.5 million |
| 3 | The Huntington National Bank | 17 | $3.25 million |
43 lender names appear on at least one 7(a) loan for Cumberland County, PA.
7(a) loans by processing method
| Processing method (as recorded) | Loans | Share of 7(a) |
|---|---|---|
| Preferred Lenders Program | 96 | 50.8% |
| SBA Express Program | 82 | 43.4% |
| 7a General | 10 | 5.3% |
Compare
See Pennsylvania statewide figures, all Pennsylvania counties, or national data and every state.
Questions this data answers
How many SBA loans were approved in Cumberland County, Pennsylvania from FY2020 to FY2025?
204 SBA 7(a) and 504 loans totaling $114.1 million: 189 7(a) loans and 15 504 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 Cumberland County, Pennsylvania?
$150,000 for loans approved in FY2020–FY2025. Half of the 7(a) loans were between $50,000 and $500,000; the average was $496,830, pulled up by a smaller number of large loans.
What is the typical SBA 504 loan amount in Cumberland County, Pennsylvania?
The median 504 amount was $921,000 across 15 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 Cumberland County, Pennsylvania?
By loan count: Construction (13.7%), Health Care and Social Assistance (12.3%), Retail Trade (11.8%), based on the NAICS code recorded for each loan.
Related guides
Have a specific deal in mind?
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).