SBA 7(a) lenders in Bradford, PA
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
21 institutions have SBA 7(a) loans on record in Bradford, together $32.7M across 175 loans. Citizens & Northern Bank is the largest, with 19% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Citizens & Northern Bank | 56 | $6.3M | 19.3% | 3.23% |
| 2 | Manufacturers and Traders Trust Company | 61 | $5.3M | 16.2% | 5.66% |
| 3 | Enterprise Bank & Trust | 1 | $4.2M | 13.0% | 0.00% |
| 4 | Coastal States Bank | 3 | $3.4M | 10.4% | 0.00% |
| 5 | Lender 2582371 | 1 | $2.8M | 8.7% | 0.00% |
| 6 | The Honesdale National Bank | 1 | $2.7M | 8.3% | 0.00% |
| 7 | Fulton Bank, National Association | 1 | $1.7M | 5.2% | 0.00% |
| 8 | First Citizens Community Bank | 14 | $1.4M | 4.3% | 0.00% |
| 9 | Customers Bank | 1 | $1.3M | 4.0% | 0.00% |
| 10 | Chemung Canal Trust Company | 8 | $976K | 3.0% | 0.00% |
| 11 | PS Bank | 12 | $800K | 2.4% | 0.00% |
| 12 | First Bank of the Lake | 1 | $344K | 1.1% | 0.00% |
| 13 | Lendistry SBLC, LLC | 1 | $300K | 0.9% | 0.00% |
| 14 | Five Star Bank | 4 | $251K | 0.8% | 0.00% |
| 15 | Tioga State Bank, National Association | 2 | $240K | 0.7% | 0.00% |
| 16 | First National Bank of Pennsylvania | 2 | $160K | 0.5% | 0.00% |
| 17 | Newtek Bank, National Association | 1 | $150K | 0.5% | 0.00% |
| 18 | Readycap Lending, LLC | 1 | $98K | 0.3% | 0.00% |
| 19 | Northeast Bank | 1 | $65K | 0.2% | 0.00% |
| 20 | Bank of America, National Association | 2 | $58K | 0.2% | 86.96% |
| 21 | KeyBank National Association | 1 | $48K | 0.1% | 0.00% |
Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.
What the money went into
| Rank | Industry | Loans | Approved | Share of county |
|---|---|---|---|---|
| 1 | Accommodation & food services | 26 | $15.2M | 46.4% |
| 2 | Transportation & warehousing | 46 | $3.9M | 11.8% |
| 3 | Other services | 16 | $3.2M | 9.9% |
| 4 | Construction | 15 | $2.1M | 6.6% |
| 5 | Agriculture, forestry & fishing | 10 | $2.1M | 6.5% |
| 6 | Manufacturing | 15 | $1.7M | 5.1% |
| 7 | Retail trade | 10 | $1.0M | 3.2% |
| 8 | Health care & social assistance | 7 | $980K | 3.0% |
| 9 | Real estate & leasing | 9 | $828K | 2.5% |
| 10 | Administrative & waste services | 4 | $330K | 1.0% |
| 11 | Arts, entertainment & recreation | 3 | $298K | 0.9% |
| 12 | Retail trade | 3 | $258K | 0.8% |
| 13 | Information | 1 | $178K | 0.5% |
| 14 | Mining & extraction | 1 | $150K | 0.5% |
| 15 | Wholesale trade | 2 | $150K | 0.5% |
| 16 | Manufacturing | 2 | $108K | 0.3% |
| 17 | Professional & technical services | 3 | $96K | 0.3% |
| 18 | Manufacturing | 1 | $50K | 0.2% |
| 19 | Finance & insurance | 1 | $30K | 0.1% |
Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.
About this data
Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.