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County34th of 88 in Ohio by approvalsFIPS 39081
SBA loans in Jefferson 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.
SBA approved 96 loans to businesses in Jefferson County, Ohio, in FY2021 to FY2025, worth $21.0M: 96 under 7(a) and 0 under 504.
That is 82.5 approvals per 1,000 business establishments (1,163 establishments in 2023), close to the Ohio figure of 72.3 and above the national 41.0.
It ranks 34th of 88 Ohio counties with approvals. In FY2025 there were 23, up 28% on FY2024.
13 lenders had approvals here; the most active were The Huntington National Bank (71), WesBanco Bank, Inc. (6) and Enterprise Bank (4). The most common industry was building equipment 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 Jefferson County
By number of approvals to businesses in the county, FY2021–FY2025; 13 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 71 | $5.7M | 74.0% | |
| 2 | WesBanco Bank, Inc.Wheeling, WV | 6 | $3.3M | 6.3% | |
| 3 | Enterprise BankAllison Park, PA | 4 | $1.4M | 4.2% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 4 | $279K | 4.2% | |
| 5 | Consumers National BankMinerva, OH | 2 | — | 2.1% | |
| 6 | First Commonwealth BankIndiana, PA | 2 | — | 2.1% | |
| 7 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 1.0% | |
| 8 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.0% | |
| 9 | Colony BankFitzgerald, GA | 1 | — | 1.0% | |
| 10 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 1.0% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 1 | — | 1.0% | |
| 12 | JPMorgan Chase Bank, National AssociationColumbus, OH | 1 | — | 1.0% | |
| 13 | PNC Bank, National AssociationWilmington, DE | 1 | — | 1.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Building Equipment ContractorsNAICS 2382 | 8 | 8.3% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 7.3% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 6 | 6.3% | |
| 4 | Residential Building ConstructionNAICS 2361 | 6 | 6.3% | |
| 5 | General Freight TruckingNAICS 4841 | 6 | 6.3% | |
| 6 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 5 | 5.2% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 4 | 4.2% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 3 | 3.1% | |
| 9 | Other Personal ServicesNAICS 8129 | 3 | 3.1% | |
| 10 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 3 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 23 | 24.0% | |
| 2 | Retail Trade | 13 | 13.5% | |
| 3 | Accommodation and Food Services | 10 | 10.4% | |
| 4 | Health Care and Social Assistance | 8 | 8.3% | |
| 5 | Manufacturing | 8 | 8.3% | |
| 6 | Other Services (except Public Administration) | 8 | 8.3% | |
| 7 | Transportation and Warehousing | 7 | 7.3% | |
| 8 | Professional, Scientific, and Technical Services | 5 | 5.2% |
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* | 1 | — | — | 0 | — | 1 | 12 |
| FY2025 | 23 | $6.0M | $92K | 0 | — | 23 | 231 |
| FY2024 | 18 | $1.1M | $43K | 0 | — | 18 | 42 |
| FY2023 | 17 | $2.0M | $75K | 0 | — | 17 | 180 |
| FY2022 | 25 | $7.7M | $50K | 0 | — | 25 | 108 |
| FY2021 | 13 | $4.2M | $75K | 0 | — | 13 | 99 |
| FY2020 | 11 | $794K | $50K | 0 | — | 11 | 35 |
| FY2019 | 10 | $1.6M | $47K | 0 | — | 10 | 42 |
| FY2018 | 9 | $742K | $50K | 0 | — | 9 | 72 |
| FY2017 | 7 | $700K | $50K | 0 | — | 7 | 11 |
| FY2016 | 11 | $705K | $50K | 0 | — | 11 | 40 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 48 approvals.
Against Ohio and the country
| FY2021–FY2025 | Jefferson County | Ohio | United States |
|---|---|---|---|
| Approvals | 96 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 82.5 | 72.3 | 41.0 |
| Median 7(a) approval | $50K | $99K | $190K |
| Median 504 approval | — | $496K | $657K |
| Average approval | $219K | $336K | $573K |
| 504 share of approvals | 0.0% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 6.9 | 8.1 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less52.1%50
- $50,001 to $150,00028.1%27
- $150,001 to $350,0009.4%9
- $350,001 to $1 million7.3%7
- Over $2 million3.1%3
Age of the businesses
- Existing, more than 2 years old79.2%76
- New business, 2 years or less7.3%7
- Startup, loan funds will open the business6.3%6
- Change of ownership7.3%7
Questions and answers
Which lenders make the most SBA loans in Jefferson County?
By approvals in FY2021 to FY2025: The Huntington National Bank (71), WesBanco Bank, Inc. (6), Enterprise Bank (4), U.S. Bank, National Association (4), Consumers National Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Jefferson County?
The median 7(a) approval was $50K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Jefferson County?
Building Equipment Contractors (8); Restaurants and Other Eating Places (7); Other Specialty Trade Contractors (6); Residential Building Construction (6); General Freight Trucking (6).
Is SBA lending in Jefferson County rising?
Approvals in the three latest complete fiscal years total 58, against 49 in the three before: rising (+18%).
How does Jefferson County compare with the rest of Ohio?
82.5 approvals per 1,000 establishments against 72.3 statewide, and 96 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