States › Kentucky › Oldham County
County9th of 107 in Kentucky by approvalsFIPS 21185
SBA loans in Oldham County, Kentucky
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 63 loans to businesses in Oldham County, Kentucky, in FY2021 to FY2025, worth $42.8M: 60 under 7(a) and 3 under 504.
That is 44.9 approvals per 1,000 business establishments (1,404 establishments in 2023), above the Kentucky figure of 27.1 and close to the national 41.0.
It ranks 9th of 107 Kentucky counties with approvals. In FY2025 there were 25.
28 lenders had approvals here; the most active were Stock Yards Bank & Trust Company (10), The Huntington National Bank (9) and Republic Bank & Trust Company (6). The most common industry was other specialty trade contractors.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Oldham County
By number of approvals to businesses in the county, FY2021–FY2025; 28 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Stock Yards Bank & Trust CompanyLouisville, KY | 10 | $7.6M | 15.9% | |
| 2 | The Huntington National BankColumbus, OH | 9 | $5.7M | 14.3% | |
| 3 | Republic Bank & Trust CompanyLouisville, KY | 6 | $1.2M | 9.5% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 5 | $1.3M | 7.9% | |
| 5 | MVB Bank, Inc.Fairmont, WV | 3 | $2.9M | 4.8% | |
| 6 | Northeast BankLewiston, ME | 3 | $520K | 4.8% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 3 | $506K | 4.8% | |
| 8 | Bank of HopeLos Angeles, CA | 2 | — | 3.2% | |
| 9 | VelocitySBA, LLCIrving, TX | 2 | — | 3.2% | |
| 10 | PNC Bank, National AssociationWilmington, DE | 2 | — | 3.2% | |
| 11 | First Internet Bank of IndianaFishers, IN | 1 | — | 1.6% | |
| 12 | US Metro BankGarden Grove, CA | 1 | — | 1.6% | |
| 13 | GBankLas Vegas, NV | 1 | — | 1.6% | |
| 14 | TowneBankPortsmouth, VA | 1 | — | 1.6% | |
| 15 | IncredibleBankWausau, WI | 1 | — | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Specialty Trade ContractorsNAICS 2389 | 7 | 11.1% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 7 | 11.1% | |
| 3 | Offices of DentistsNAICS 6212 | 6 | 9.5% | |
| 4 | Traveler AccommodationNAICS 7211 | 4 | 6.3% | |
| 5 | Other Personal ServicesNAICS 8129 | 3 | 4.8% | |
| 6 | Nonresidential Building ConstructionNAICS 2362 | 3 | 4.8% | |
| 7 | Restaurants and Other Eating PlacesNAICS 7225 | 3 | 4.8% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 2 | 3.2% | |
| 9 | Residential Building ConstructionNAICS 2361 | 2 | 3.2% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 2 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 14 | 22.2% | |
| 2 | Other Services (except Public Administration) | 11 | 17.5% | |
| 3 | Health Care and Social Assistance | 9 | 14.3% | |
| 4 | Accommodation and Food Services | 7 | 11.1% | |
| 5 | Professional, Scientific, and Technical Services | 5 | 7.9% | |
| 6 | Arts, Entertainment, and Recreation | 3 | 4.8% | |
| 7 | Transportation and Warehousing | 3 | 4.8% | |
| 8 | Retail Trade | 3 | 4.8% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 4 | $10.5M | $2.7M | 1 | — | 5 | 17 |
| FY2025 | 25 | $21.4M | $315K | 0 | — | 25 | 233 |
| FY2024 | 8 | $5.2M | $368K | 0 | — | 8 | 43 |
| FY2023 | 13 | $5.3M | $245K | 2 | — | 15 | 110 |
| FY2022 | 6 | $4.5M | $588K | 1 | — | 7 | 70 |
| FY2021 | 8 | $4.7M | $299K | 0 | — | 8 | 65 |
| FY2020 | 4 | $1.2M | $280K | 0 | — | 4 | 32 |
| FY2019 | 11 | $5.3M | $180K | 1 | — | 12 | 110 |
| FY2018 | 9 | $2.8M | $50K | 1 | — | 10 | 146 |
| FY2017 | 4 | $1.2M | $320K | 1 | — | 5 | 70 |
| FY2016 | 9 | $3.4M | $276K | 1 | — | 10 | 133 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 41 approvals.
Against Kentucky and the country
| FY2021–FY2025 | Oldham County | Kentucky | United States |
|---|---|---|---|
| Approvals | 63 | 2,558 | 342,825 |
| Approvals per 1,000 establishments | 44.9 | 27.1 | 41.0 |
| Median 7(a) approval | $314K | $150K | $190K |
| Median 504 approval | $461K | $495K | $657K |
| Average approval | $680K | $494K | $573K |
| 504 share of approvals | 4.8% | 5.7% | 11.0% |
| Jobs supported per approval, as reported | 8.3 | 11.0 | 10.5 |
| Share of state approvals | 2.5% | 100.0% | — |
Approval sizes
- $50,000 or less11.1%7
- $50,001 to $150,00019.0%12
- $150,001 to $350,00023.8%15
- $350,001 to $1 million25.4%16
- $1 million to $2 million14.3%9
- Over $2 million6.3%4
Age of the businesses
- Existing, more than 2 years old44.4%28
- New business, 2 years or less12.7%8
- Startup, loan funds will open the business17.5%11
- Change of ownership25.4%16
Questions and answers
Which lenders make the most SBA loans in Oldham County?
By approvals in FY2021 to FY2025: Stock Yards Bank & Trust Company (10), The Huntington National Bank (9), Republic Bank & Trust Company (6), U.S. Bank, National Association (5), MVB Bank, Inc. (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Oldham County?
The median 7(a) approval was $314K and the median 504 approval $461K; the Kentucky 7(a) median was $150K.
Which industries get the most SBA loans in Oldham County?
Other Specialty Trade Contractors (7); Automotive Repair and Maintenance (7); Offices of Dentists (6); Traveler Accommodation (4); Other Personal Services (3).
Is SBA lending in Oldham County rising?
Approvals in the three latest complete fiscal years total 48, against 19 in the three before: rising (+153%).
How does Oldham County compare with the rest of Kentucky?
44.9 approvals per 1,000 establishments against 27.1 statewide, and 63 of the state's 2,558 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error