Local lending data
Who lends to businesses in York County?
269 SBA 7(a) loans went to businesses in York County recently, at a median of $100,000. The lenders that made them, ranked, with local rates and startup share.
269 SBA 7(a) loans went to businesses in York County in the most recent fiscal years, at a median of $100,000. The most active lender was Manufacturers and Traders Trust Company, with 124 loans.
SBA lending in York County, by the numbers
Every figure here is computed from SBA 7(a) loan-level FOIA data released 2026-06-30 — loans that were actually approved to businesses in this county, not advertised ranges.
| Measure | York County | Pennsylvania | National |
|---|---|---|---|
| Loans approved | 269 | 7,469 | 214,102 |
| Median loan | $100,000 | $150,000 | $150,000 |
| 25th - 75th percentile | $41,500 - $325,000 | $50,000 - $423,750 | $50,000 - $500,000 |
| Median term | 10 years | 10 years | 10 years |
| Median initial rate | 10.50% | 10.50% | 10.25% |
| Share to startups | 43.5% | 37.4% | 33.6% |
| Charge-off rate, FY2010-19 | 6.6% | 6.4% | 7.1% |
| Jobs supported | 2,403 | 73,575 | 2,142,602 |
Which lenders actually funded them
Ranked by loans approved to businesses in York County. The median, startup share and rate columns describe each lender's own loans in this county, not its national averages.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| Manufacturers and Traders Trust Company | 124 | $50,000 | 46% | 10.75% |
| Beacon Bank and Trust | 11 | $615,000 | 18% | 9.50% |
| The Huntington National Bank | 9 | $128,000 | 78% | 11.00% |
| BayFirst National Bank | 8 | $150,000 | 0% | 13.00% |
| Northeast Bank | 8 | $83,800 | 0% | 10.75% |
| Orrstown Bank | 7 | $428,100 | 43% | 8.00% |
| Univest Bank and Trust Co | 7 | $240,000 | 86% | 10.75% |
| Readycap Lending, LLC | 7 | $50,000 | 43% | 14.50% |
| Fulton Bank | 7 | $328,000 | 29% | 9.75% |
| Newtek Bank | 6 | $212,500 | 0% | 11.38% |
What stands out here
Reading these figures against the national picture:
- Loans here run smaller than average. The median of $100,000 is 33% below the $150,000 national median. Smaller loans price higher under the SBA spread caps, so budget for a rate above the headline range.
- New businesses do well here. 44% of these loans went to startups or businesses under two years old, against 34% nationally — an unusually open market if you have no trading history.
- One lender dominates. Manufacturers and Traders Trust Company alone made 46% of these loans, and the top three made 54%. That concentration usually means a lender with a dedicated program for this sector — worth starting there, but get a second quote so you know the terms are competitive.
Who borrows in York County
The mix of industries taking SBA loans here, led by construction.
| Sector | Loans | Share |
|---|---|---|
| Construction | 52 | 19.3% |
| Restaurants and Hotels | 34 | 12.6% |
| Personal Services | 33 | 12.3% |
| Retail | 23 | 8.6% |
| Manufacturing | 21 | 7.8% |
| Professional Services | 21 | 7.8% |
| Admin Services | 19 | 7.1% |
| Healthcare | 14 | 5.2% |
How to use this
- Shortlist three lenders from the table whose median loan in this county is close to what you need. Size match matters more than brand.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year — see choosing an SBA lender.
- Check your coverage first with the affordability calculator, so you ask for a number your cash flow supports.
- Follow your sector link in the table above for lender data specific to your industry across Pennsylvania.
Other counties in Pennsylvania
- Nearby markets with published data: Allegheny County, Philadelphia County, Montgomery County, Bucks County, Delaware County, Chester County, Lancaster County, Berks County