County14th of 88 in Ohio by approvalsFIPS 39165
SBA loans in Warren 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 Warren County, Ohio, received 387 SBA loan approvals worth $147M in FY2021 to FY2025 (369 7(a), 18 504).
That is 80.2 approvals per 1,000 business establishments (4,826 establishments in 2023), close to the Ohio figure of 72.3 and above the national 41.0.
It ranks 14th of 88 Ohio counties with approvals. In FY2025 there were 91, up 42% on FY2024.
51 lenders had approvals here; the most active were The Huntington National Bank (212), U.S. Bank, National Association (24) and Peoples Bank (15). The most common industry was general freight trucking.
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; 51 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 212 | $38.5M | 54.8% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 24 | $3.0M | 6.2% | |
| 3 | Peoples BankMarietta, OH | 15 | $4.3M | 3.9% | |
| 4 | Alloy Development Co., Inc.Cincinnati, OH · CDC | 13 | $15.8M | 3.4% | |
| 5 | Telhio Credit Union IncColumbus, OH | 11 | $1.8M | 2.8% | |
| 6 | KeyBank National AssociationCleveland, OH | 9 | $8.3M | 2.3% | |
| 7 | BayFirst National BankSaint Petersburg, FL | 7 | $997K | 1.8% | |
| 8 | Fifth Third BankCincinnati, OH | 6 | $1.8M | 1.6% | |
| 9 | PNC Bank, National AssociationWilmington, DE | 6 | $1.1M | 1.6% | |
| 10 | First Commonwealth BankIndiana, PA | 5 | $5.1M | 1.3% | |
| 11 | Live Oak Banking CompanyWilmington, NC | 5 | $4.1M | 1.3% | |
| 12 | Heritage Bank IncBurlington, KY | 5 | $2.3M | 1.3% | |
| 13 | Community Trust Bank, Inc.Pikeville, KY | 5 | $546K | 1.3% | |
| 14 | Readycap Lending, LLCBerkeley Heights, NJ | 4 | $8.3M | 1.0% | |
| 15 | United Midwest Savings Bank National AssociationDe Graff, OH | 4 | $5.9M | 1.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 82 | 21.2% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 32 | 8.3% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 17 | 4.4% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 16 | 4.1% | |
| 5 | Personal Care ServicesNAICS 8121 | 13 | 3.4% | |
| 6 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 11 | 2.8% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 11 | 2.8% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 11 | 2.8% | |
| 9 | Residential Building ConstructionNAICS 2361 | 11 | 2.8% | |
| 10 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 9 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Transportation and Warehousing | 92 | 23.8% | |
| 2 | Construction | 53 | 13.7% | |
| 3 | Accommodation and Food Services | 44 | 11.4% | |
| 4 | Health Care and Social Assistance | 35 | 9.0% | |
| 5 | Other Services (except Public Administration) | 31 | 8.0% | |
| 6 | Professional, Scientific, and Technical Services | 30 | 7.8% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 25 | 6.5% | |
| 8 | Retail Trade | 21 | 5.4% |
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* | 45 | $32.6M | $244K | 0 | — | 45 | 656 |
| FY2025 | 87 | $33.3M | $150K | 4 | $8.8M | 91 | 910 |
| FY2024 | 62 | $15.6M | $81K | 2 | — | 64 | 434 |
| FY2023 | 73 | $27.4M | $150K | 1 | — | 74 | 671 |
| FY2022 | 81 | $19.1M | $75K | 6 | $4.5M | 87 | 470 |
| FY2021 | 66 | $28.8M | $156K | 5 | $5.3M | 71 | 615 |
| FY2020 | 61 | $35.5M | $150K | 2 | — | 63 | 561 |
| FY2019 | 75 | $27.0M | $100K | 5 | $2.0M | 80 | 561 |
| FY2018 | 55 | $19.8M | $144K | 8 | $5.0M | 63 | 562 |
| FY2017 | 52 | $12.2M | $111K | 4 | $3.4M | 56 | 477 |
| FY2016 | 52 | $24.9M | $100K | 6 | $4.2M | 58 | 1,095 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 320 approvals.
Against Ohio and the country
| FY2021–FY2025 | Warren County | Ohio | United States |
|---|---|---|---|
| Approvals | 387 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 80.2 | 72.3 | 41.0 |
| Median 7(a) approval | $120K | $99K | $190K |
| Median 504 approval | $673K | $496K | $657K |
| Average approval | $379K | $336K | $573K |
| 504 share of approvals | 4.7% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 8.0 | 8.1 | 10.5 |
| Share of state approvals | 2.1% | 100.0% | — |
Approval sizes
- $50,000 or less26.4%102
- $50,001 to $150,00031.3%121
- $150,001 to $350,00019.6%76
- $350,001 to $1 million12.7%49
- $1 million to $2 million5.7%22
- Over $2 million4.4%17
Age of the businesses
- Existing, more than 2 years old58.4%226
- New business, 2 years or less14.0%54
- Startup, loan funds will open the business20.4%79
- Change of ownership7.2%28
Questions and answers
Which lenders make the most SBA loans in Warren County?
By approvals in FY2021 to FY2025: The Huntington National Bank (212), U.S. Bank, National Association (24), Peoples Bank (15), Alloy Development Co., Inc. (13), Telhio Credit Union Inc (11). 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 $120K and the median 504 approval $673K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Warren County?
General Freight Trucking (82); Restaurants and Other Eating Places (32); Other Specialty Trade Contractors (17); Automotive Repair and Maintenance (16); Personal Care Services (13).
Is SBA lending in Warren County rising?
Approvals in the three latest complete fiscal years total 229, against 221 in the three before: broadly level (+4%).
How does Warren County compare with the rest of Ohio?
80.2 approvals per 1,000 establishments against 72.3 statewide, and 387 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