What SBA's own loan files show about lending in the Sunbury, PA Micro Area, every asset class together, and what a feasibility study for a project there has to test.
Sunbury, PA logged 130 SBA approvals in FY2017 to FY2026, worth $61.4 million in gross dollars. Sunbury differs most on loan size: a $55,000 median, 0.26x of the national median, and Sunbury's gap clears our margin. Sunbury ranks as a mid-table area, 407 of 928 by loan count. Sunbury is read whole in Sunbury, PA, every class counted. A slice of PA is not how Sunbury is treated.
Sunbury's middle-half loans run $25,000 to $327,500, with $55,000 at the median. Sunbury sits well below the national level, at 0.26x the national median, so a Sunbury study should size its request from Sunbury approvals. Sunbury: no program count is printed. In Sunbury, one program rests on very few of 130 loans; withheld never means zero. Sunbury franchise loans reach 4.6%, so brand standards often shape a Sunbury request there.
In Sunbury, PA, grocery store (7 loans); liquor store (6 loans) lead by loans in Sunbury. Another 99 Sunbury loans sit in no tracked class, so Sunbury totals describe operating businesses, not only property. Sunbury lending concentrates by county: Northumberland County, PA (109 loans) and Montour County, PA (21 loans). Sunbury 7(a) leaders: Manufacturers and Traders Trust Company ($6.7 million, 71 loans); Fulton Bank, National Association ($5.7 million, 10 loans). Sunbury lender figures, Manufacturers and Traders Trust Company's 71 loans included, are an SBA record of Sunbury loans held or once held; no Sunbury lender is judged by them.
Sunbury, between FY2017 (25 loans) and FY2026 (28), peaked at 28 in FY2026 and bottomed at 9 in FY2019. In Sunbury, FY2022 and FY2023 counts are withheld, but Sunbury reads none as zero, since few of 130 loans stand behind each. A Sunbury borrower should know the cancellation record: 17.4% as a floor and 17.4% as a ceiling, for FY2017 to FY2024 Sunbury approvals. Sunbury: no charge-off floor is printed. Its Sunbury cohort is too thin; Sunbury withholds it; withheld is not zero. Sunbury, PA membership follows the July 2023 delineation; Sunbury counties are matched by name, and a Sunbury loan with no match is dropped, so 130 is a floor, and every Sunbury rate is too.
A Sunbury feasibility study begins with Sunbury demand from the right counties: Northumberland County, PA leads the loan counts, though Sunbury is wider. If a Sunbury concept resembles grocery store, Sunbury offers size and lender precedent; other Sunbury concepts must rest on their own Sunbury evidence. The Sunbury cost section uses local quotes; run Sunbury debt service coverage for loans near $55,000 and near $327,500. Sunbury is micropolitan, so a Sunbury appraisal should say how thin the Sunbury comparables are. Nothing printed for Sunbury predicts approval; each Sunbury lender still reviews a study.
| Loans approved, FY2017 to FY2026 | 130 |
|---|---|
| Gross dollars approved | $61.4 million |
| Median loan | $55,000 |
| Middle half of loans, from | $25,000 |
| Middle half of loans, to | $327,500 |
| SBA 7(a) loans | withheld |
| SBA 504 loans | withheld |
| Franchise share of loans | 4.6% |
| Rank among metro and micro areas by loans | 407 of 928 |
| Median loan against the national median | 0.26x |
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 17.4% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 17.4% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA loans approved in the Sunbury, PA Micro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 25 | $15.2 million |
| FY2018 | 10 | $7.2 million |
| FY2019 | 9 | $595,000 |
| FY2020 | 11 | $1.6 million |
| FY2021 | 10 | $7.4 million |
| FY2022 | withheld | withheld |
| FY2023 | withheld | withheld |
| FY2024 | 12 | $7.1 million |
| FY2025 | 16 | $3.3 million |
| FY2026 | 28 | $11.0 million |
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 99 |
| Grocery store | 7 |
| Liquor store | 6 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
| Lender | Loans | Dollars |
|---|---|---|
| Manufacturers and Traders Trust Company | 71 | $6.7 million |
| Fulton Bank, National Association | 10 | $5.7 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
| County | Loans |
|---|---|
| Northumberland County, PA | 109 |
| Montour County, PA | 21 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MT-44980.
A worked example of the feasibility study a lender would read for a gas station project in Pennsylvania, financed with a USDA Business and Industry guaranteed loan.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Sunbury, PA Micro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
Start with the data.
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