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County27th of 106 in Missouri by approvalsFIPS 29219
SBA loans in Warren County, Missouri
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 36 loans to businesses in Warren County, Missouri, in FY2021 to FY2025, worth $15.8M: 31 under 7(a) and 5 under 504.
That is 55.0 approvals per 1,000 business establishments (654 establishments in 2023), above the Missouri figure of 37.6 and above the national 41.0.
It ranks 27th of 106 Missouri counties with approvals. In FY2025 there were 11.
20 lenders had approvals here; the most active were U.S. Bank, National Association (8), The Huntington National Bank (3) and St. Charles County Economic Development Council (3). The most common industry was residential building construction.
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 Warren County
By number of approvals to businesses in the county, FY2021–FY2025; 20 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 8 | $646K | 22.2% | |
| 2 | The Huntington National BankColumbus, OH | 3 | $2.1M | 8.3% | |
| 3 | St. Charles County Economic Development CouncilSt. Charles, MO · CDC | 3 | $1.2M | 8.3% | |
| 4 | Heritage Community BankUnion, MO | 3 | $320K | 8.3% | |
| 5 | Bank of WashingtonWashington, MO | 2 | — | 5.6% | |
| 6 | First State Community BankFarmington, MO | 2 | — | 5.6% | |
| 7 | Midland States BankEffingham, IL | 2 | — | 5.6% | |
| 8 | Midwest BankCentreSaint Louis, MO | 1 | — | 2.8% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.8% | |
| 10 | The Bank of HoustonHouston, MO | 1 | — | 2.8% | |
| 11 | American Bank of FreedomWellsville, MO | 1 | — | 2.8% | |
| 12 | Midwest Regional BankFestus, MO | 1 | — | 2.8% | |
| 13 | American Bank, National AssociationDallas, TX | 1 | — | 2.8% | |
| 14 | STL Partnership CDCSt. Louis, MO · CDC | 1 | — | 2.8% | |
| 15 | Regions BankBirmingham, AL | 1 | — | 2.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Residential Building ConstructionNAICS 2361 | 4 | 11.1% | |
| 2 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 3 | 8.3% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 8.3% | |
| 4 | Household and Institutional Furniture and Kitchen Cabinet ManufacturingNAICS 3371 | 3 | 8.3% | |
| 5 | Lessors of Real EstateNAICS 5311 | 2 | 5.6% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 2 | 5.6% | |
| 7 | Personal and Household Goods Repair and MaintenanceNAICS 8114 | 2 | 5.6% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 2 | 5.6% | |
| 9 | Consumer Goods RentalNAICS 5322 | 1 | 2.8% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 1 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 15 | 41.7% | |
| 2 | Other Services (except Public Administration) | 4 | 11.1% | |
| 3 | Manufacturing | 4 | 11.1% | |
| 4 | Real Estate and Rental and Leasing | 3 | 8.3% | |
| 5 | Accommodation and Food Services | 3 | 8.3% | |
| 6 | Retail Trade | 2 | 5.6% | |
| 7 | Wholesale Trade | 2 | 5.6% | |
| 8 | Health Care and Social Assistance | 2 | 5.6% |
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 | $3.7M | $709K | 0 | — | 4 | 11 |
| FY2025 | 11 | $3.9M | $150K | 0 | — | 11 | 38 |
| FY2024 | 5 | $1.9M | $40K | 2 | — | 7 | 51 |
| FY2023 | 7 | $2.3M | $150K | 1 | — | 8 | 35 |
| FY2022 | 5 | $4.2M | $830K | 1 | — | 6 | 61 |
| FY2021 | 3 | $1.6M | $505K | 1 | — | 4 | 26 |
| FY2020 | 1 | — | — | 0 | — | 1 | 14 |
| FY2019 | 3 | $2.9M | $760K | 2 | — | 5 | 20 |
| FY2018 | 2 | — | — | 1 | — | 3 | 7 |
| FY2017 | 3 | $1.9M | $150K | 1 | — | 4 | 11 |
| FY2016 | 2 | — | — | 0 | — | 2 | 8 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 15 approvals.
Against Missouri and the country
| FY2021–FY2025 | Warren County | Missouri | United States |
|---|---|---|---|
| Approvals | 36 | 5,688 | 342,825 |
| Approvals per 1,000 establishments | 55.0 | 37.6 | 41.0 |
| Median 7(a) approval | $167K | $225K | $190K |
| Median 504 approval | $460K | $553K | $657K |
| Average approval | $439K | $569K | $573K |
| 504 share of approvals | 13.9% | 9.9% | 11.0% |
| Jobs supported per approval, as reported | 5.9 | 11.0 | 10.5 |
| Share of state approvals | 0.6% | 100.0% | — |
Approval sizes
- $50,000 or less13.9%5
- $50,001 to $150,00030.6%11
- $150,001 to $350,00019.4%7
- $350,001 to $1 million19.4%7
- $1 million to $2 million16.7%6
Age of the businesses
- Existing, more than 2 years old61.1%22
- New business, 2 years or less8.3%3
- Startup, loan funds will open the business19.4%7
- Change of ownership11.1%4
Questions and answers
Which lenders make the most SBA loans in Warren County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (8), The Huntington National Bank (3), St. Charles County Economic Development Council (3), Heritage Community Bank (3), Bank of Washington (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Warren County?
The median 7(a) approval was $167K and the median 504 approval $460K; the Missouri 7(a) median was $225K.
Which industries get the most SBA loans in Warren County?
Residential Building Construction (4); Foundation, Structure, and Building Exterior Contractors (3); Other Specialty Trade Contractors (3); Household and Institutional Furniture and Kitchen Cabinet Manufacturing (3); Lessors of Real Estate (2).
Is SBA lending in Warren County rising?
Approvals in the three latest complete fiscal years total 26, against 11 in the three before: rising (+136%).
How does Warren County compare with the rest of Missouri?
55.0 approvals per 1,000 establishments against 37.6 statewide, and 36 of the state's 5,688 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