Feasibility Study Data for the York-Hanover, PA Metro Area

York-Hanover, PA: loan volume and median size around York-Hanover

Project sites in York-Hanover drew 686 SBA approvals for projects in the York-Hanover, PA metro area from FY2017 through FY2026, and $273.7 million in gross dollars stands behind them. York-Hanover holds rank 138 of 928 against every other statistical area, York-Hanover among them. The local median loan is $125,000, and the central half fall from $40,000 up to $394,875. The national comparison is plain: at 0.60x of the national median. Nationally, York-Hanover loans run larger than they do here.

York-Hanover, PA loans and who holds them around York-Hanover

661 of the approved loans were 7(a) loans and 25 were 504 loans; in York-Hanover, 7(a) bears the larger share. Franchise brands account for 12.8% of loans in this metro area. Manufacturers and Traders Trust Company tops the 7(a) table at 281 loans and $39.0 million. Second place is Orrstown Bank: 59 loans, $23.2 million. Third on the list is Beacon Bank and Trust, 30 loans, and Fulton Bank, National Association at 24. For 504, the top name is EDC Finance Corporation, holding 9 loans worth $14.3 million, and 9 loans sit at SEDA-COG Local Development Corporation. These are SBA's records of York-Hanover loans held or once held. The SBA record names Manufacturers and Traders Trust Company as the current York-Hanover holder, hence its place in that table; that says nothing about how Orrstown Bank underwrites.

York-Hanover, PA: which classes and counties lead York-Hanover

The larger share of the York-Hanover record falls outside the class table: 524 loans that carry codes outside the York-Hanover table. The York-Hanover class rows therefore describe a minority of York-Hanover lending. Among tracked York-Hanover classes, full-service restaurant leads with 35 loans, York-Hanover then automotive mechanical repair (car and truck) with 16 and limited-service restaurant with 14. Lower in the table come beverage manufacturing (breweries, wineries, distilleries) with 12 and coffee shop and snack bar at 12. York County, PA is the largest source of loans, with 686. Demand differs between these counties, so the York-Hanover figure hides some spread.

York-Hanover, PA: reading the outcome floors for York-Hanover

11.8% is the lowest the York-Hanover cancellation proportion can be for FY2017 to FY2024 approved loans, and up to 13.4% if undisbursed York-Hanover loans are added to the cancelled. So far, 2.7% of 262 FY2017 to FY2021 disbursed York-Hanover loans have been charged off, at a minimum. As for the five-year York-Hanover rate, it is not reported, its York-Hanover cohort being under 30 loans, which is why no figure appears. Seasoning continues, and these rates are floors, so the final York-Hanover figure is higher or equal. Annual approvals peaked in FY2025 at 107 loans and $39.4 million; the thinnest York-Hanover year before FY2026 was FY2020, with 50 loans for $23.1 million. York-Hanover is built from project counties such as York County, PA; the 2023 delineation of statistical areas fixes the line, with York-Hanover counties matched by name.

York-Hanover projects and the study behind them in York-Hanover, PA

A study for a York-Hanover project must start from one York-Hanover site and one county, because the metro area total blends distinct markets. York-Hanover lenders see York-Hanover full-service restaurant most often, so it has to examine York-Hanover dining rooms and their weeknight trade and seats against realistic covers, then the lease term against payback. A York-Hanover request in automotive mechanical repair (car and truck) depend on lifts and diagnostic equipment cost and on vehicles registered within the drive time. Cash flow for a York-Hanover loan needs a poor-year test; an appraiser will want earnings and sale evidence from the same market. Since York-Hanover loans skew small, a larger request needs a clear case for the project.