What SBA's own loan files show about lending in the Williamsport, PA Metro Area, every asset class together, and what a feasibility study for a project there has to test.
Williamsport, PA is Lycoming County alone, with 137 loans and $59.9 million from FY2017 to FY2026, 394th of 928 by loan count. Williamsport lacks several published values, namely the 7(a) and 504 split, its charge-off rate, and counts for FY2019 and FY2020; Loan Analytics withholds values resting on very few loans. Our text offers no replacement and treats none as nil. The record that remains is loan size, a cancellation floor and a lender table.
A $150,000 median makes the typical Williamsport loan 0.72x the national median; the central half starts at $40,000 and ends at $387,000, and 5.8% of loans are franchise brands. Of approvals made up to FY2024, 10.8% were cancelled, and the ceiling is identical. Only one tracked class registers, coffee shop and snack bar with 5 loans, against 115 loans in no class. Lycoming County holds all 137 loans. Because the programme split is withheld, the study should not presume what share of the record is real estate lending, and should ask lenders directly about their experience.
Manufacturers and Traders Trust Company holds 43 7(a) loans worth $8.9 million, far above any other name. Citizens & Northern Bank holds 18 worth $2.6 million, First Commonwealth Bank 13 worth $11.7 million, Northeast Bank (ME) 9 worth $1.6 million and Celtic Bank Corporation 8 worth $3.5 million. They are the institutions SBA lists as holding or having held loans here, and nothing more should be read into them. First Commonwealth Bank averages far more per loan than the leader.
Among the years Loan Analytics does publish, FY2025 stands out at 38 loans and $13.7 million, against 11 loans in FY2018, FY2021, FY2023 and FY2024 alike, and FY2017 had 18. Anyone reading the recent surge as the norm should compare it with those quieter years.
With the programme mix and loss rate absent, the study carries the evidence itself: demand in Lycoming County for the use, cost against loans below the national median, and a debt service analysis on conservative assumptions. Given the cancellation floor, it should show that the loan can close. Valuation completes the file, and the 2023 delineation supplies the county. Lenders and borrowers can take this as background and not as a promise.
| Loans approved, FY2017 to FY2026 | 137 |
|---|---|
| Gross dollars approved | $59.9 million |
| Median loan | $150,000 |
| Middle half of loans, from | $40,000 |
| Middle half of loans, to | $387,000 |
| SBA 7(a) loans | withheld |
| SBA 504 loans | withheld |
| Franchise share of loans | 5.8% |
| Rank among metro and micro areas by loans | 394 of 928 |
| Median loan against the national median | 0.72x |
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 10.8% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 10.8% |
| 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 Williamsport, PA Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 18 | $8.1 million |
| FY2018 | 11 | $2.4 million |
| FY2019 | withheld | withheld |
| FY2020 | withheld | withheld |
| FY2021 | 11 | $9.8 million |
| FY2022 | 12 | $6.9 million |
| FY2023 | 11 | $2.3 million |
| FY2024 | 11 | $1.3 million |
| FY2025 | 38 | $13.7 million |
| FY2026 | 16 | $5.6 million |
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 115 |
| Coffee shop and snack bar | 5 |
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 | 43 | $8.9 million |
| Citizens & Northern Bank | 18 | $2.6 million |
| First Commonwealth Bank | 13 | $11.7 million |
| Northeast Bank (ME) | 9 | $1.6 million |
| Celtic Bank Corporation | 8 | $3.5 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 |
|---|---|
| Lycoming County, PA | 137 |
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-48700.
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 Williamsport, PA Metro 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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