States › Ohio › Defiance County
County42nd of 88 in Ohio by approvalsFIPS 39039
SBA loans in Defiance County, Ohio
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.
Businesses in Defiance County, Ohio, received 60 SBA loan approvals worth $27.0M in FY2021 to FY2025 (58 7(a), 2 504).
That is 73.8 approvals per 1,000 business establishments (813 establishments in 2023), close to the Ohio figure of 72.3 and above the national 41.0.
It ranks 42nd of 88 Ohio counties with approvals. In FY2025 there were 10.
14 lenders had approvals here; the most active were The Huntington National Bank (32), WesBanco Bank, Inc. (10) and Northeast Bank (4). The most common industry was foundation, structure, and building exterior 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 Defiance County
By number of approvals to businesses in the county, FY2021–FY2025; 14 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 32 | $6.8M | 53.3% | |
| 2 | WesBanco Bank, Inc.Wheeling, WV | 10 | $4.7M | 16.7% | |
| 3 | Northeast BankLewiston, ME | 4 | $325K | 6.7% | |
| 4 | The State Bank and Trust CompanyDefiance, OH | 3 | $4.2M | 5.0% | |
| 5 | Newtek Bank, National AssociationMiami, FL | 2 | — | 3.3% | |
| 6 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 1.7% | |
| 7 | Bank Five NineOconomowoc, WI | 1 | — | 1.7% | |
| 8 | The Citizens National Bank of BlufftonBluffton, OH | 1 | — | 1.7% | |
| 9 | Northwest Ohio Development Assistance CorporationToledo, OH · CDC | 1 | — | 1.7% | |
| 10 | 1st Source BankSouth Bend, IN | 1 | — | 1.7% | |
| 11 | Economic and Community Development InstituteColumbus, OH | 1 | — | 1.7% | |
| 12 | Ohio Statewide Development CorporationColumbus, OH · CDC | 1 | — | 1.7% | |
| 13 | Three Rivers Federal Credit UnionFort Wayne, IN | 1 | — | 1.7% | |
| 14 | The Hicksville BankHicksville, OH | 1 | — | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 7 | 11.7% | |
| 2 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 5 | 8.3% | |
| 3 | Personal Care ServicesNAICS 8121 | 5 | 8.3% | |
| 4 | General Freight TruckingNAICS 4841 | 5 | 8.3% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 6.7% | |
| 6 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 6.7% | |
| 7 | Other Heavy and Civil Engineering ConstructionNAICS 2379 | 3 | 5.0% | |
| 8 | Electric Lighting Equipment ManufacturingNAICS 3351 | 2 | 3.3% | |
| 9 | Specialized Freight TruckingNAICS 4842 | 2 | 3.3% | |
| 10 | Other Personal ServicesNAICS 8129 | 2 | 3.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 18 | 30.0% | |
| 2 | Other Services (except Public Administration) | 9 | 15.0% | |
| 3 | Manufacturing | 7 | 11.7% | |
| 4 | Transportation and Warehousing | 7 | 11.7% | |
| 5 | Professional, Scientific, and Technical Services | 5 | 8.3% | |
| 6 | Accommodation and Food Services | 4 | 6.7% | |
| 7 | Retail Trade | 3 | 5.0% | |
| 8 | Health Care and Social Assistance | 2 | 3.3% |
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* | 6 | $1.5M | $45K | 0 | — | 6 | 70 |
| FY2025 | 10 | $5.9M | $83K | 0 | — | 10 | 39 |
| FY2024 | 7 | $3.4M | $46K | 1 | — | 8 | 81 |
| FY2023 | 23 | $6.7M | $55K | 0 | — | 23 | 100 |
| FY2022 | 11 | $5.1M | $175K | 0 | — | 11 | 72 |
| FY2021 | 7 | $5.3M | $300K | 1 | — | 8 | 412 |
| FY2020 | 3 | $168K | $12K | 0 | — | 3 | 3 |
| FY2019 | 1 | — | — | 0 | — | 1 | 4 |
| FY2018 | 3 | $1.9M | $150K | 0 | — | 3 | 30 |
| FY2017 | 5 | $235K | $25K | 0 | — | 5 | 9 |
| FY2016 | 13 | $5.6M | $73K | 0 | — | 13 | 151 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 25 approvals.
Against Ohio and the country
| FY2021–FY2025 | Defiance County | Ohio | United States |
|---|---|---|---|
| Approvals | 60 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 73.8 | 72.3 | 41.0 |
| Median 7(a) approval | $70K | $99K | $190K |
| Median 504 approval | — | $496K | $657K |
| Average approval | $450K | $336K | $573K |
| 504 share of approvals | 3.3% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 11.7 | 8.1 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less41.7%25
- $50,001 to $150,00015.0%9
- $150,001 to $350,00016.7%10
- $350,001 to $1 million13.3%8
- $1 million to $2 million5.0%3
- Over $2 million8.3%5
Age of the businesses
- Existing, more than 2 years old61.7%37
- New business, 2 years or less11.7%7
- Startup, loan funds will open the business18.3%11
- Change of ownership8.3%5
Questions and answers
Which lenders make the most SBA loans in Defiance County?
By approvals in FY2021 to FY2025: The Huntington National Bank (32), WesBanco Bank, Inc. (10), Northeast Bank (4), The State Bank and Trust Company (3), Newtek Bank, National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Defiance County?
The median 7(a) approval was $70K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Defiance County?
Foundation, Structure, and Building Exterior Contractors (7); Management, Scientific, and Technical Consulting Services (5); Personal Care Services (5); General Freight Trucking (5); Other Specialty Trade Contractors (4).
Is SBA lending in Defiance County rising?
Approvals in the three latest complete fiscal years total 41, against 22 in the three before: rising (+86%).
How does Defiance County compare with the rest of Ohio?
73.8 approvals per 1,000 establishments against 72.3 statewide, and 60 of the state's 18,439 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