States › Wisconsin › Ozaukee County
County14th of 71 in Wisconsin by approvalsFIPS 55089
SBA loans in Ozaukee County, Wisconsin
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 Ozaukee County, Wisconsin, received 144 SBA loan approvals worth $101M in FY2021 to FY2025 (115 7(a), 29 504).
That is 50.8 approvals per 1,000 business establishments (2,832 establishments in 2023), close to the Wisconsin figure of 46.3 and above the national 41.0.
It ranks 14th of 71 Wisconsin counties with approvals. In FY2025 there were 32, up 14% on FY2024.
41 lenders had approvals here; the most active were WBD, Inc. (29), U.S. Bank, National Association (16) and The Huntington National Bank (11). The most common industry was restaurants and other eating places.
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 Ozaukee County
By number of approvals to businesses in the county, FY2021–FY2025; 41 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | WBD, Inc.Madison, WI · CDC | 29 | $29.9M | 20.1% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 16 | $2.9M | 11.1% | |
| 3 | The Huntington National BankColumbus, OH | 11 | $3.2M | 7.6% | |
| 4 | Old National BankEvansville, IN | 7 | $11.5M | 4.9% | |
| 5 | Waukesha State BankWaukesha, WI | 6 | $7.3M | 4.2% | |
| 6 | Oostburg State BankOostburg, WI | 6 | $3.2M | 4.2% | |
| 7 | Associated Bank National AssociationGreen Bay, WI | 5 | $410K | 3.5% | |
| 8 | Byline BankChicago, IL | 4 | $5.3M | 2.8% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 4 | $4.3M | 2.8% | |
| 10 | Bank Five NineOconomowoc, WI | 4 | $1.8M | 2.8% | |
| 11 | Bank First, N.A.Manitowoc, WI | 4 | $1.3M | 2.8% | |
| 12 | Summit CUCottage Grove, WI | 4 | $900K | 2.8% | |
| 13 | PyraMax Bank FSBGreenfield, WI | 4 | $623K | 2.8% | |
| 14 | Harvest Small Business Finance, LLCLaguna Hills, CA | 3 | $2.4M | 2.1% | |
| 15 | JPMorgan Chase Bank, National AssociationColumbus, OH | 3 | $425K | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 6.3% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 6 | 4.2% | |
| 3 | Other Schools and InstructionNAICS 6116 | 6 | 4.2% | |
| 4 | Residential Building ConstructionNAICS 2361 | 6 | 4.2% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 5 | 3.5% | |
| 6 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 5 | 3.5% | |
| 7 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 2.8% | |
| 8 | Gasoline StationsNAICS 4571 | 4 | 2.8% | |
| 9 | Lumber and Other Construction Materials Merchant WholesalersNAICS 4233 | 4 | 2.8% | |
| 10 | Miscellaneous Nondurable Goods Merchant WholesalersNAICS 4249 | 4 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 17 | 11.8% | |
| 2 | Accommodation and Food Services | 16 | 11.1% | |
| 3 | Retail Trade | 14 | 9.7% | |
| 4 | Health Care and Social Assistance | 12 | 8.3% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 12 | 8.3% | |
| 6 | Manufacturing | 11 | 7.6% | |
| 7 | Wholesale Trade | 11 | 7.6% | |
| 8 | Other Services (except Public Administration) | 10 | 6.9% |
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* | 20 | $9.5M | $150K | 3 | $6.1M | 23 | 280 |
| FY2025 | 28 | $11.1M | $178K | 4 | $6.8M | 32 | 312 |
| FY2024 | 25 | $12.1M | $200K | 3 | $4.1M | 28 | 319 |
| FY2023 | 33 | $25.1M | $300K | 4 | $2.6M | 37 | 487 |
| FY2022 | 11 | $8.5M | $434K | 6 | $5.2M | 17 | 199 |
| FY2021 | 18 | $13.9M | $452K | 12 | $11.1M | 30 | 484 |
| FY2020 | 18 | $11.0M | $404K | 5 | $4.2M | 23 | 213 |
| FY2019 | 19 | $7.1M | $150K | 1 | — | 20 | 260 |
| FY2018 | 44 | $20.1M | $245K | 5 | $3.1M | 49 | 622 |
| FY2017 | 33 | $9.2M | $150K | 3 | $1.6M | 36 | 213 |
| FY2016 | 42 | $12.4M | $150K | 1 | — | 43 | 655 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 171 approvals.
Against Wisconsin and the country
| FY2021–FY2025 | Ozaukee County | Wisconsin | United States |
|---|---|---|---|
| Approvals | 144 | 6,706 | 342,825 |
| Approvals per 1,000 establishments | 50.8 | 46.3 | 41.0 |
| Median 7(a) approval | $250K | $225K | $190K |
| Median 504 approval | $623K | $616K | $657K |
| Average approval | $699K | $594K | $573K |
| 504 share of approvals | 20.1% | 18.4% | 11.0% |
| Jobs supported per approval, as reported | 12.5 | 11.0 | 10.5 |
| Share of state approvals | 2.1% | 100.0% | — |
Approval sizes
- $50,000 or less15.3%22
- $50,001 to $150,00012.5%18
- $150,001 to $350,00022.2%32
- $350,001 to $1 million30.6%44
- $1 million to $2 million9.7%14
- Over $2 million9.7%14
Age of the businesses
- Existing, more than 2 years old47.2%68
- New business, 2 years or less15.3%22
- Startup, loan funds will open the business18.1%26
- Change of ownership19.4%28
Questions and answers
Which lenders make the most SBA loans in Ozaukee County?
By approvals in FY2021 to FY2025: WBD, Inc. (29), U.S. Bank, National Association (16), The Huntington National Bank (11), Old National Bank (7), Waukesha State Bank (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Ozaukee County?
The median 7(a) approval was $250K and the median 504 approval $623K; the Wisconsin 7(a) median was $225K.
Which industries get the most SBA loans in Ozaukee County?
Restaurants and Other Eating Places (9); Other Amusement and Recreation Industries (6); Other Schools and Instruction (6); Residential Building Construction (6); Services to Buildings and Dwellings (5).
Is SBA lending in Ozaukee County rising?
Approvals in the three latest complete fiscal years total 97, against 70 in the three before: rising (+39%).
How does Ozaukee County compare with the rest of Wisconsin?
50.8 approvals per 1,000 establishments against 46.3 statewide, and 144 of the state's 6,706 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