Lenders › CFBank National Association
7(a) lenderColumbus, OhioFDIC-insured bank487th of 2,184 by approvals
CFBank National Association
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
CFBank National Association (Columbus, Ohio) is an FDIC-insured bank in the SBA 7(a) program, 487th of 2,184 by approvals in FY2021 to FY2025: 53 loans worth $79.8M.
In FY2025, the latest complete fiscal year, it had 7 approvals totalling $11.4M. FY2026 to 30 Jun 2026 adds 2 more.
The median approval was $1.2M, against $190K for the 7(a) program as a whole; 3.8% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 5 states and territories and 18 counties, led by Ohio (90.6%), Texas (3.8%) and Louisiana (1.9%). The largest industry group was manufacturing at 13.2% of approvals, and 15.1% of approvals were to franchise businesses.
Of 87 disbursed loans approved in FY2010 to FY2021, SBA records 2 as charged off (2.3%), 66 as paid in full and 19 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 2 | — | — | — | 84 |
| FY2025 | 7 | $11.4M | $1.5M | $1.6M | 198 |
| FY2024 | 4 | $5.5M | $1.1M | $1.4M | 48 |
| FY2023 | 13 | $15.2M | $500K | $1.2M | 150 |
| FY2022 | 16 | $28.0M | $1.4M | $1.7M | 388 |
| FY2021 | 13 | $19.9M | $1.4M | $1.5M | 288 |
| FY2020 | 19 | $27.4M | $1.6M | $1.4M | 413 |
| FY2019 | 8 | $8.5M | $1.2M | $1.1M | 264 |
| FY2018 | 7 | $3.1M | $100K | $446K | 41 |
| FY2017 | 4 | $450K | $100K | $113K | 22 |
| FY2016 | 11 | $3.1M | $150K | $279K | 106 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 49 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Ohio | 7(a) program |
|---|---|---|---|
| Approvals in these years | 106 | 36,740 | 639,905 |
| Cancelled or never disbursed | 19 | 5,259 | 79,313 |
| Disbursed loans | 87 | 31,481 | 560,592 |
| Paid in full | 66 | 25,599 | 435,813 |
| Charged off | 2 | 1,791 | 36,891 |
| Still outstanding (status exempt from disclosure) | 19 | 4,091 | 87,888 |
| Charged off, share of disbursed loans | 2.3% | 5.7% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.6% | 2.7% | 2.5% |
| Dollars charged off | $371K | $213M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 11 | 4 | 0 | — | 2.8% |
| FY2020 | 15 | 8 | 0 | — | 4.0% |
| FY2019 | 8 | 4 | 0 | — | 6.7% |
| FY2018 | 7 | 6 | 0 | — | 7.9% |
| FY2017 | 2 | 2 | 0 | — | 7.7% |
| FY2016 | 10 | 10 | 0 | — | 7.2% |
| FY2015 | 1 | 1 | 0 | — | 6.9% |
| FY2014 | 9 | 8 | 1 | — | 6.4% |
| FY2013 | 6 | 6 | 0 | — | 6.0% |
| FY2012 | 1 | 1 | 0 | — | 6.3% |
| FY2011 | 2 | 2 | 0 | — | 6.9% |
| FY2010 | 15 | 14 | 1 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $1.2M | $190K |
| Average approval | $1.5M | $518K |
| Approvals of $150,000 or less | 3.8% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 43.4% | 34.3% |
| Approvals to franchise businesses | 15.1% | 11.5% |
| Jobs supported per approval, as reported | 20.2 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 2.3% | 6.6% |
States served
| # | State of the business (5 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Ohio | 48 | $71.1M | 90.6% | |
| 2 | Texas | 2 | — | 3.8% | |
| 3 | Louisiana | 1 | — | 1.9% | |
| 4 | Kentucky | 1 | — | 1.9% | |
| 5 | Indiana | 1 | — | 1.9% |
In Ohio the lender accounts for 0.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (18 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Franklin County, OH | 12 | $18.6M | 22.6% | |
| 2 | Summit County, OH | 6 | $12.3M | 11.3% | |
| 3 | Cuyahoga County, OH | 5 | $5.9M | 9.4% | |
| 4 | Hamilton County, OH | 5 | $4.3M | 9.4% | |
| 5 | Fairfield County, OH | 4 | $6.7M | 7.5% | |
| 6 | Stark County, OH | 3 | $5.1M | 5.7% | |
| 7 | Lake County, OH | 2 | — | 3.8% | |
| 8 | Warren County, OH | 2 | — | 3.8% | |
| 9 | Clermont County, OH | 2 | — | 3.8% | |
| 10 | Fort Bend County, TX | 2 | — | 3.8% | |
| 11 | Lorain County, OH | 2 | — | 3.8% | |
| 12 | Delaware County, OH | 2 | — | 3.8% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Manufacturing | 7 | 13.2% | |
| 2 | Wholesale Trade | 7 | 13.2% | |
| 3 | Professional, Scientific, and Technical Services | 7 | 13.2% | |
| 4 | Health Care and Social Assistance | 7 | 13.2% | |
| 5 | Retail Trade | 5 | 9.4% | |
| 6 | Construction | 4 | 7.5% | |
| 7 | Accommodation and Food Services | 4 | 7.5% | |
| 8 | Information | 3 | 5.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Child Day Care ServicesNAICS 6244 | 4 | 7.5% | |
| 2 | Computer Systems Design and Related ServicesNAICS 5415 | 3 | 5.7% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 5.7% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 3 | 5.7% | |
| 5 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 3 | 5.7% | |
| 6 | Restaurants and Other Eating PlacesNAICS 7225 | 3 | 5.7% | |
| 7 | Other General Purpose Machinery ManufacturingNAICS 3339 | 2 | 3.8% | |
| 8 | Other TelecommunicationsNAICS 5179 | 2 | 3.8% | |
| 9 | Other Fabricated Metal Product ManufacturingNAICS 3329 | 2 | 3.8% | |
| 10 | Legal ServicesNAICS 5411 | 2 | 3.8% |
Approval sizes
- $50,001 to $150,0003.8%2
- $150,001 to $350,00018.9%10
- $350,001 to $1 million24.5%13
- $1 million to $2 million32.1%17
- Over $2 million20.8%11
Loan terms
- 5 years or less1.9%1
- Over 5 to 10 years64.2%34
- Over 10 to 20 years13.2%7
- Over 20 years20.8%11
Age of the businesses
- Existing, more than 2 years old47.2%25
- New business, 2 years or less9.4%5
- Startup, loan funds will open the business34.0%18
- Change of ownership9.4%5
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 37 | 69.8% | |
| 2 | SBA Express Program | 11 | 20.8% | |
| 3 | 7a General | 2 | 3.8% | |
| 4 | Working Capital CAPLine | 2 | 3.8% | |
| 5 | 7(a) WCP | 1 | 1.9% |
Franchise share
8 of 53 approvals in FY2021–FY2025 (15.1%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Fleet Feet Sports | 1 | 1.9% | |
| 2 | Waters Edge Wineries | 1 | 1.9% | |
| 3 | Duncan Oil Co. | 1 | 1.9% | |
| 4 | Central Ohio Petroleum Marketers, Inc. | 1 | 1.9% | |
| 5 | Biggby Coffee | 1 | 1.9% | |
| 6 | Tropical Smoothie Cafe | 1 | 1.9% | |
| 7 | Premier Martial Arts Studio | 1 | 1.9% | |
| 8 | The Peach Cobbler Factory | 1 | 1.9% |
Questions and answers
How many SBA loans does CFBank National Association make?
SBA approved 7 7(a) loans through CFBank National Association in FY2025, worth $11.4M, and 53 over FY2021 to FY2025. That ranks 487th of 2,184 active 7(a) lenders by number of approvals.
How large are CFBank National Association's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $1.2M and the average $1.5M. The program-wide median was $190K.
What is CFBank National Association's charge-off rate?
Of 87 disbursed loans approved in FY2010 to FY2021, SBA records 2 as charged off (2.3%), 66 as paid in full and 19 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does CFBank National Association lend to most?
By number of approvals in FY2021 to FY2025: child day care services (4); computer systems design and related services (3); other specialty trade contractors (3); offices of other health practitioners (3).
Where does CFBank National Association make SBA loans?
In 5 states and territories. Ohio 48, Texas 2, Louisiana 1, Kentucky 1, Indiana 1. In Ohio it accounts for 0.3% of all 7(a) approvals.
Is CFBank National Association's SBA lending rising?
Approvals in the three latest complete fiscal years total 24, against 48 in the three before: falling (-50%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error