Local lending data
Who lends to businesses in Delaware County?
357 SBA 7(a) loans went to businesses in Delaware County recently, at a median of $134,000. The lenders that made them, ranked, with local rates and startup share.
357 SBA 7(a) loans went to businesses in Delaware County in the most recent fiscal years, at a median of $134,000. The most active lender was The Huntington National Bank, with 205 loans.
SBA lending in Delaware County, by the numbers
Every figure here is computed from SBA 7(a) loan-level FOIA data released 2026-06-30 — loans that were actually approved to businesses in this county, not advertised ranges.
| Measure | Delaware County | Ohio | National |
|---|---|---|---|
| Loans approved | 357 | 11,134 | 214,102 |
| Median loan | $134,000 | $100,000 | $150,000 |
| 25th - 75th percentile | $50,000 - $337,000 | $44,450 - $282,350 | $50,000 - $500,000 |
| Median term | 10 years | 10 years | 10 years |
| Median initial rate | 10.10% | 10.25% | 10.25% |
| Share to startups | 44.5% | 33.0% | 33.6% |
| Charge-off rate, FY2010-19 | 5.3% | 6.1% | 7.1% |
| Jobs supported | 3,552 | 90,372 | 2,142,602 |
Which lenders actually funded them
Ranked by loans approved to businesses in Delaware County. The median, startup share and rate columns describe each lender's own loans in this county, not its national averages.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | 205 | $70,000 | 45% | 10.25% |
| U.S. Bank | 10 | $42,500 | 20% | 10.49% |
| Telhio Credit Union Inc | 9 | $200,000 | 100% | 10.00% |
| United Midwest Savings Bank | 9 | $675,000 | 33% | 10.00% |
| Live Oak Banking Company | 8 | $625,000 | 50% | 8.75% |
| Buckeye State Bank | 8 | $137,500 | 38% | 9.62% |
| Readycap Lending, LLC | 8 | $80,500 | 0% | 13.88% |
| JPMorgan Chase Bank | 7 | $275,000 | 0% | 10.15% |
| Newtek Bank | 7 | $175,000 | 0% | 11.00% |
| Riverside Bank of Dublin | 6 | $250,000 | 33% | 9.75% |
What stands out here
Reading these figures against the national picture:
- Loan sizes are typical. The median of $134,000 is within a few percent of the $150,000 national median across all 7(a) borrowers, so nothing about this market is unusual on size.
- New businesses do well here. 44% of these loans went to startups or businesses under two years old, against 34% nationally — an unusually open market if you have no trading history.
- One lender dominates. The Huntington National Bank alone made 57% of these loans, and the top three made 63%. That concentration usually means a lender with a dedicated program for this sector — worth starting there, but get a second quote so you know the terms are competitive.
Who borrows in Delaware County
The mix of industries taking SBA loans here, led by construction.
| Sector | Loans | Share |
|---|---|---|
| Construction | 50 | 14.0% |
| Personal Services | 48 | 13.4% |
| Professional Services | 39 | 10.9% |
| Healthcare | 38 | 10.6% |
| Restaurants and Hotels | 36 | 10.1% |
| Retail | 27 | 7.6% |
| Admin Services | 21 | 5.9% |
| Manufacturing | 21 | 5.9% |
How to use this
- Shortlist three lenders from the table whose median loan in this county is close to what you need. Size match matters more than brand.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year — see choosing an SBA lender.
- Check your coverage first with the affordability calculator, so you ask for a number your cash flow supports.
- Follow your sector link in the table above for lender data specific to your industry across Ohio.
Other counties in Ohio
- Nearby markets with published data: Franklin County, Cuyahoga County, Hamilton County, Summit County, Stark County, Montgomery County, Lucas County, Lorain County