Feasibility Study Data for the Clarksburg, WV Micro Area

What SBA's own loan files show about lending in the Clarksburg, WV Micro Area, every asset class together, and what a feasibility study for a project there has to test.

Clarksburg, WV: SBA lending volume and loan size in Clarksburg

Ranked 399 of 928 by loans, Clarksburg drew 135 approvals between FY2017 and FY2026, $40.8 million gross. A median of $90,000 in Clarksburg sits at 0.43x the national median, below the usual ticket. Clarksburg loans in the middle half fall from $39,450 to $273,250. With $39,450 and $273,250 bounding the middle half in Clarksburg, no single benchmark fits every project in Clarksburg.

In Clarksburg, 135 approvals are SBA 7(a) loans; 0 are SBA 504 loans. Clarksburg franchise share of loans is 8.9%. In Clarksburg, classes read full-service restaurant with 10. In Clarksburg, outside the tracked classes, 99 loans make up the rest of the 135. A single county, Harrison County, WV, accounts for 121 Clarksburg loans.

Clarksburg, WV: who holds the loans, 135 in all

In Clarksburg, each line reflects SBA's file view in Clarksburg of loans a firm owns or owned in Clarksburg, per the note, so they record a portfolio only. Clarksburg holders should be read that way in Clarksburg. The largest Clarksburg holders under SBA 7(a) in Clarksburg are The Huntington National Bank with 73 loans worth $11.3 million; Clear Mountain Bank, Inc. with 15 loans worth $2.3 million; MVB Bank, Inc. with 9 loans worth $1.3 million in Clarksburg. No holder in Clarksburg, WV reaches the 504 table threshold. The Clarksburg 504 side carries no lender names in Clarksburg. The first holder in Clarksburg sets the pace. Even so, a Clarksburg borrower may take a study elsewhere in Clarksburg.

SBA's files show 5.0% of FY2017 to FY2024 approvals in Clarksburg cancelled, a floor. In Clarksburg, the ceiling counting loans awaiting disbursement as cancelled remains hidden in Clarksburg, nothing guessed for Clarksburg. The Clarksburg charged-off figure on the funded loans of FY2017 to FY2021 in Clarksburg is held back in Clarksburg, the cohort is small; this page prints nothing for Clarksburg, not zero. Of the printed Clarksburg years, FY2021 leads with 23 loans. Placement in Clarksburg hinges upon the county of the project, matched per the July 2023 delineation, consequently any loan whose county is unplaceable stays out of every area. The 135 loans in Clarksburg, WV include those in no named class in Clarksburg.

Clarksburg, WV: what the record asks of a Clarksburg feasibility study

Clarksburg demand comes first. Size the real catchment of the proposed site in Clarksburg, not a micropolitan area, and stress the first year in Clarksburg. Then cost in Clarksburg. $90,000 is the median ticket in Clarksburg, a guide in Clarksburg, so every line item in Clarksburg wants a source in Clarksburg, with Clarksburg fees and reserves itemised. Debt service coverage decides Clarksburg. Test coverage at the requested size next to a case with softer income, saying how far Clarksburg revenue can fall. Expect a Clarksburg appraiser to test values, so any rent figure has to be defensible in Clarksburg. Micropolitan Clarksburg offers a thin base of 135 loans. A Clarksburg study should disclose borrowed benchmarks. At 0.43x of the national median, Clarksburg projects run modest in Clarksburg. A large project must show why Clarksburg can absorb its scale, against $90,000.

SBA loans in the Clarksburg, WV Micro Area

Loans approved, FY2017 to FY2026135
Gross dollars approved$40.8 million
Median loan$90,000
Middle half of loans, from$39,450
Middle half of loans, to$273,250
SBA 7(a) loans135
SBA 504 loans0
Franchise share of loans8.9%
Rank among metro and micro areas by loans399 of 928
Median loan against the national median0.43x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)5.0%
The same, counting loans still undisbursed as cancelled (a ceiling)withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA loans approved in the Clarksburg, WV Micro Area, by fiscal year

0510152025FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026Loans, FY2017: 14Loans, FY2018: 13Loans, FY2019: 8Loans, FY2020: 16Loans, FY2021: 23Loans, FY2022: 15Loans, FY2023: 13Loans, FY2024: 17Loans, FY2025: 9Loans, FY2026: 7
Fiscal yearLoansDollars
FY201714$4.4 million
FY201813$2.5 million
FY20198$1.5 million
FY202016$2.6 million
FY202123$17.0 million
FY202215$2.0 million
FY202313$3.6 million
FY202417$2.4 million
FY20259$4.2 million
FY20267$686,800

Loans by asset class

Asset classLoans
Not in any of the 39 asset classes99
Full-service restaurant10

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
LenderLoansDollars
The Huntington National Bank73$11.3 million
Clear Mountain Bank, Inc.15$2.3 million
MVB Bank, Inc.9$1.3 million
Peoples Bank (OH)6$1.9 million
Freedom Bank Inc5$909,000

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Where the loans are, by county

CountyLoans
Harrison County, WV121

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MT-17220.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Clarksburg, WV Micro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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