Lenders › United Midwest Savings Bank National Association
7(a) lenderDe Graff, OhioFDIC-insured bank14th of 2,184 by approvals
United Midwest Savings Bank 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.
United Midwest Savings Bank National Association, based in De Graff, Ohio, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 4,031 of its 7(a) loans worth $1.32bn in FY2021 to FY2025, which places it 14th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 963 approvals totalling $381M, up 14% on FY2024 (843). FY2026 to 30 Jun 2026 adds 635 more.
The median approval was $150K, against $190K for the 7(a) program as a whole; 74.8% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 52 states and territories and 814 counties, led by Texas (13.5%), Florida (11.7%) and California (6.7%). The largest industry group was construction at 22.8% of approvals, and 68.9% of approvals were to franchise businesses.
Of 3,396 disbursed loans approved in FY2010 to FY2021, SBA records 539 as charged off (15.9%), 1,338 as paid in full and 1,519 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above 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* | 635 | $249M | $200K | $393K | 2,731 |
| FY2025 | 963 | $381M | $150K | $395K | 4,381 |
| FY2024 | 843 | $280M | $150K | $332K | 4,130 |
| FY2023 | 572 | $163M | $150K | $285K | 2,986 |
| FY2022 | 563 | $194M | $150K | $345K | 3,199 |
| FY2021 | 1,090 | $305M | $150K | $280K | 5,943 |
| FY2020 | 784 | $254M | $150K | $324K | 4,986 |
| FY2019 | 671 | $163M | $150K | $243K | 4,009 |
| FY2018 | 640 | $156M | $150K | $243K | 3,541 |
| FY2017 | 248 | $96.8M | $150K | $390K | 1,668 |
| FY2016 | 67 | $58.2M | $650K | $868K | 690 |
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 2,410 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 | Texas | 7(a) program |
|---|---|---|---|
| Approvals in these years | 3,748 | 48,931 | 639,905 |
| Cancelled or never disbursed | 352 | 5,758 | 79,313 |
| Disbursed loans | 3,396 | 43,173 | 560,592 |
| Paid in full | 1,338 | 31,848 | 435,813 |
| Charged off | 539 | 3,650 | 36,891 |
| Still outstanding (status exempt from disclosure) | 1,519 | 7,675 | 87,888 |
| Charged off, share of disbursed loans | 15.9% | 8.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | 5.9% | 2.9% | 2.5% |
| Dollars charged off | $70.5M | $682M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 977 | 288 | 110 | 11.3% | 2.8% |
| FY2020 | 666 | 223 | 103 | 15.5% | 4.0% |
| FY2019 | 615 | 217 | 117 | 19.0% | 6.7% |
| FY2018 | 615 | 244 | 139 | 22.6% | 7.9% |
| FY2017 | 237 | 131 | 54 | 22.8% | 7.7% |
| FY2016 | 60 | 46 | 3 | 5.0% | 7.2% |
| FY2015 | 53 | 44 | 3 | 5.7% | 6.9% |
| FY2014 | 44 | 36 | 3 | 6.8% | 6.4% |
| FY2013 | 43 | 35 | 2 | 4.7% | 6.0% |
| FY2012 | 34 | 29 | 2 | 5.9% | 6.3% |
| FY2011 | 29 | 23 | 3 | — | 6.9% |
| FY2010 | 23 | 22 | 0 | — | 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 | $150K | $190K |
| Average approval | $328K | $518K |
| Approvals of $150,000 or less | 74.8% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 80.7% | 34.3% |
| Approvals to franchise businesses | 68.9% | 11.5% |
| Jobs supported per approval, as reported | 5.1 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 15.9% | 6.6% |
States served
| # | State of the business (52 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Texas | 544 | $153M | 13.5% | |
| 2 | Florida | 472 | $140M | 11.7% | |
| 3 | California | 271 | $96.6M | 6.7% | |
| 4 | Georgia | 247 | $56.2M | 6.1% | |
| 5 | North Carolina | 175 | $53.7M | 4.3% | |
| 6 | Ohio | 160 | $85.7M | 4.0% | |
| 7 | Arizona | 127 | $42.6M | 3.2% | |
| 8 | Tennessee | 117 | $30.4M | 2.9% | |
| 9 | Michigan | 116 | $31.8M | 2.9% | |
| 10 | Pennsylvania | 114 | $49.2M | 2.8% | |
| 11 | Virginia | 112 | $36.1M | 2.8% | |
| 12 | Colorado | 109 | $27.2M | 2.7% |
In Texas the lender accounts for 2.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (814 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Maricopa County, AZ | 88 | $23.1M | 2.2% | |
| 2 | Harris County, TX | 88 | $22.0M | 2.2% | |
| 3 | Los Angeles County, CA | 59 | $26.4M | 1.5% | |
| 4 | Collin County, TX | 54 | $14.0M | 1.3% | |
| 5 | Orange County, FL | 44 | $11.2M | 1.1% | |
| 6 | Denton County, TX | 43 | $10.0M | 1.1% | |
| 7 | Broward County, FL | 41 | $12.4M | 1.0% | |
| 8 | Hillsborough County, FL | 41 | $10.7M | 1.0% | |
| 9 | Wake County, NC | 39 | $6.2M | 1.0% | |
| 10 | Dallas County, TX | 38 | $9.7M | 0.9% | |
| 11 | DeKalb County, GA | 37 | $8.9M | 0.9% | |
| 12 | Tarrant County, TX | 36 | $14.1M | 0.9% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 921 | 22.8% | |
| 2 | Administrative and Support and Waste Management and Remediation Services | 832 | 20.6% | |
| 3 | Health Care and Social Assistance | 517 | 12.8% | |
| 4 | Retail Trade | 449 | 11.1% | |
| 5 | Professional, Scientific, and Technical Services | 381 | 9.5% | |
| 6 | Other Services (except Public Administration) | 327 | 8.1% | |
| 7 | Real Estate and Rental and Leasing | 171 | 4.2% | |
| 8 | Finance and Insurance | 137 | 3.4% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Services to Buildings and DwellingsNAICS 5617 | 536 | 13.3% | |
| 2 | Residential Building ConstructionNAICS 2361 | 314 | 7.8% | |
| 3 | Building Finishing ContractorsNAICS 2383 | 256 | 6.4% | |
| 4 | Grocery StoresNAICS 4451 | 231 | 5.7% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 198 | 4.9% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 182 | 4.5% | |
| 7 | Activities Related to Real EstateNAICS 5313 | 158 | 3.9% | |
| 8 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 150 | 3.7% | |
| 9 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 140 | 3.5% | |
| 10 | Individual and Family ServicesNAICS 6241 | 136 | 3.4% |
Approval sizes
- $50,000 or less0.8%34
- $50,001 to $150,00074.0%2,982
- $150,001 to $350,0008.3%334
- $350,001 to $1 million9.6%387
- $1 million to $2 million4.8%194
- Over $2 million2.5%100
Loan terms
- Over 5 to 10 years94.4%3,804
- Over 10 to 20 years1.0%41
- Over 20 years4.6%186
Age of the businesses
- Existing, more than 2 years old7.2%291
- New business, 2 years or less4.7%191
- Startup, loan funds will open the business75.9%3,061
- Change of ownership12.1%487
- Not answered0.0%1
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 4,022 | 99.8% | |
| 2 | 7a General | 9 | 0.2% |
Franchise share
2,776 of 4,031 approvals in FY2021–FY2025 (68.9%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Naturals2Go | 199 | 4.9% | |
| 2 | The Grounds Guys | 120 | 3.0% | |
| 3 | Sam the Concrete Man | 84 | 2.1% | |
| 4 | Property Management Inc. | 84 | 2.1% | |
| 5 | Ace Handyman Services | 66 | 1.6% | |
| 6 | Aire Serv | 51 | 1.3% | |
| 7 | Mr. Electric | 48 | 1.2% | |
| 8 | Rainbow Restoration | 41 | 1.0% |
Questions and answers
How many SBA loans does United Midwest Savings Bank National Association make?
SBA approved 963 7(a) loans through United Midwest Savings Bank National Association in FY2025, worth $381M, and 4,031 over FY2021 to FY2025. That ranks 14th of 2,184 active 7(a) lenders by number of approvals.
How large are United Midwest Savings Bank National Association's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $150K and the average $328K. The program-wide median was $190K.
What is United Midwest Savings Bank National Association's charge-off rate?
Of 3,396 disbursed loans approved in FY2010 to FY2021, SBA records 539 as charged off (15.9%), 1,338 as paid in full and 1,519 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is above 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 United Midwest Savings Bank National Association lend to most?
By number of approvals in FY2021 to FY2025: services to buildings and dwellings (536); residential building construction (314); building finishing contractors (256); grocery stores (231).
Where does United Midwest Savings Bank National Association make SBA loans?
In 52 states and territories. Texas 544, Florida 472, California 271, Georgia 247, North Carolina 175. In Texas it accounts for 2.3% of all 7(a) approvals.
Is United Midwest Savings Bank National Association's SBA lending rising?
Approvals in the three latest complete fiscal years total 2,378, against 2,437 in the three before: broadly level (-2%).
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