SBA loans to custom home builders in Pennsylvania
Short answer
SBA's loan file shows 57 loans to custom home builders in Pennsylvania since October 2019. M&T Bank made 35.1% of them, against 7.0% nationally and 10.6% of all loans in Pennsylvania. The median loan was $50,000, less than half the national median of $109,900.
- SBA loans, Oct 2019 to Jun 2026
- 57
- median loan
- $50,000
- dollars approved
- $11.62M
- made by one lender
- 35.1%
These are the 57 SBA 7(a) loans to custom home builders in Pennsylvania approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other.
How Pennsylvania differs from the U.S.
What this means for you. One lender made a large share of these loans in Pennsylvania, so compare more than one lender before you apply.
Lender concentration
M&T Bank made 35.1% of these loans (20 of 57). Nationally it made 7.0% of loans to custom home builders. It made 10.6% of all SBA loans in Pennsylvania.
Loan size
The medianThe middle figure. Half the loans were larger and half were smaller. loan was $50,000 in Pennsylvania, less than half the national median of $109,900.
The middle half of loans in Pennsylvania ran from $25,000 to $150,000. Nationally the middle half ran from $50,000 to $250,000.
We compared 8 measures with the national figure for the same period, and these are the 2 that differ clearly. The table compares every measure.
Pennsylvania next to the U.S.
| Measure | Pennsylvania | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 0.50% | 0.60% | No clear gap |
| Median loan | $50,000 | $109,900 | Clearly lower |
| Middle half of loans | $25,000 to $150,000 | $50,000 to $250,000 | – |
| Startups (the loan opens the business) | 0.0% | 2.0% | No clear gap |
| In business 2 years or less | 17.5% | 13.4% | No clear gap |
| In business more than 2 years | 80.7% | 82.0% | No clear gap |
| Change of ownership | Fewer than 5 | 1.7% | n/a |
| SBA Express | 64.9% | 56.5% | No clear gap |
| Lines of credit | 50.9% | 47.1% | No clear gap |
| Median term | 10 years | 10 years | – |
| Median spread over Prime at approval | 3.25 points over Prime | 3 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
Who lends in Pennsylvania
The 3 lenders below made 35 of the 57 loans approved October 2019 to June 2026, or 61.4%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| M&T Bank | 20 | 35.1% | 7.0% |
| TD Bank | 10 | 17.5% | 6.7% |
| Northeast Bank (Portland, ME) | 5 | 8.8% | 6.3% |
Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry.
Custom home builders in other states
Other states where these loans differ clearly from the national pattern, most loans first.
| State | Loans since October 2019 |
|---|---|
| California | 208 |
| New York | 177 |
| Florida | 123 |
| Massachusetts | 119 |
| Texas | 116 |
| New Jersey | 70 |
| Oregon | 68 |
| North Carolina | 67 |
More industries in Pennsylvania
Other industries in Pennsylvania with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Sit-down restaurants | 546 |
| Fast-food, pizza and counter-service restaurants | 424 |
| Home remodeling contractors | 334 |
| Plumbing and HVAC companies | 255 |
| Child care centers and preschools | 233 |
| Hair salons and beauty salons | 225 |
| Local trucking companies | 220 |
| Auto repair shops | 212 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
Download this page's data: JSON · CSV
Cite this page: SBA loans to custom home builders in Pennsylvania. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/new-single-family-housing-construction/pennsylvania/
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