SBA lending by metro area
SBA lenders in Lancaster, PA
Which lenders fund Lancaster-area businesses, how much, and how the market compares with Pennsylvania: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Lancaster area
Ranked by SBA volume funded to businesses located in the Lancaster metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | EDC Finance Corporation | 126 | $116.0M | $920K | not reported |
| 2 | Fulton Bank, National Association | 67 | $52.7M | $787K | 4.48% |
| 3 | First National Bank of Pennsylvania | 89 | $38.7M | $435K | 5.62% |
| 4 | Beacon Bank and Trust | 37 | $33.0M | $892K | 0.00% |
| 5 | Orrstown Bank | 36 | $23.8M | $662K | 2.78% |
| 6 | Manufacturers and Traders Trust Company | 183 | $23.0M | $126K | 2.19% |
| 7 | South Eastern Economic Development Company of Pennsylvania | 26 | $21.8M | $840K | not reported |
| 8 | Mid Penn Bank | 57 | $19.0M | $334K | 0.00% |
| 9 | Live Oak Banking Company | 12 | $18.8M | $1.6M | not reported |
| 10 | First Commonwealth Bank | 24 | $18.7M | $781K | 4.17% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Lancaster compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Lancaster area | $200K ▲ 33.3% | 13.1% ▲ 7.0 pts |
| Pennsylvania | $150K | 6.2% |
| United States | $179K | 11.2% |
What gets funded in Lancaster
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 220 | $154.4M |
| Manufacturing | 140 | $97.7M |
| Retail Trade | 177 | $72.2M |
| Health Care and Social Assistance | 99 | $70.4M |
| Construction | 141 | $54.4M |
| Other Services | 125 | $45.9M |
| Wholesale Trade | 60 | $30.2M |
| Arts, Entertainment, Recreation | 52 | $29.3M |
SBA lending in Lancaster by year
Geography, precisely
"Lancaster area" here means the Lancaster, PA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Lancaster County, PA. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.