Local lending data
Who lends to businesses in Fairfield County?
141 SBA 7(a) loans went to businesses in Fairfield County recently, at a median of $104,300. The lenders that made them, ranked, with local rates and startup share.
141 SBA 7(a) loans went to businesses in Fairfield County in the most recent fiscal years, at a median of $104,300. The most active lender was The Huntington National Bank, with 64 loans.
SBA lending in Fairfield 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 | Fairfield County | Ohio | National |
|---|---|---|---|
| Loans approved | 141 | 11,134 | 214,102 |
| Median loan | $104,300 | $100,000 | $150,000 |
| 25th - 75th percentile | $49,900 - $350,000 | $44,450 - $282,350 | $50,000 - $500,000 |
| Median term | 10 years | 10 years | 10 years |
| Median initial rate | 10.49% | 10.25% | 10.25% |
| Share to startups | 34.0% | 33.0% | 33.6% |
| Charge-off rate, FY2010-19 | 5.9% | 6.1% | 7.1% |
| Jobs supported | 878 | 90,372 | 2,142,602 |
Which lenders actually funded them
Ranked by loans approved to businesses in Fairfield 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 | 64 | $82,500 | 33% | 10.50% |
| U.S. Bank | 10 | $40,900 | 20% | 10.49% |
| First Commonwealth Bank | 7 | $390,000 | 29% | 9.25% |
| Telhio Credit Union Inc | 5 | $250,000 | 20% | 10.25% |
| BayFirst National Bank | 5 | $150,000 | 0% | 11.25% |
| JPMorgan Chase Bank | 4 | $100,000 | 0% | 13.10% |
| Northwest Bank | 4 | $628,000 | 25% | 9.62% |
| Readycap Lending, LLC | 4 | $106,900 | 25% | 11.62% |
| Live Oak Banking Company | 4 | $550,000 | 75% | 9.59% |
| KEMBA Financial CU | 3 | $500,000 | 0% | 7.00% |
What stands out here
Reading these figures against the national picture:
- Loans here run smaller than average. The median of $104,300 is 30% below the $150,000 national median. Smaller loans price higher under the SBA spread caps, so budget for a rate above the headline range.
- Startup share is about average, at 34% against 34% nationally.
- One lender dominates. The Huntington National Bank alone made 45% of these loans, and the top three made 57%. 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 Fairfield County
The mix of industries taking SBA loans here, led by construction.
| Sector | Loans | Share |
|---|---|---|
| Construction | 37 | 26.2% |
| Personal Services | 18 | 12.8% |
| Trucking | 15 | 10.6% |
| Healthcare | 12 | 8.5% |
| Retail | 12 | 8.5% |
| Admin Services | 11 | 7.8% |
| Restaurants and Hotels | 10 | 7.1% |
| Manufacturing | 7 | 5.0% |
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, Delaware County