What SBA's own loan files show about lending in the New Philadelphia-Dover, OH Micro Area, every asset class together, and what a feasibility study for a project there has to test.
255 approvals within New Philadelphia-Dover, OH from FY2017 through FY2026 carry $72.0 million gross. Also, New Philadelphia-Dover places 268 of 928 among all CBSAs on approvals. In practice, $55,000 marks the typical loan; the bulk of loans falls between $25,000 and $152,250. Beyond that, the median in New Philadelphia-Dover stands at 0.26x measured against the nation's median, placing the typical loan beneath the national middle. Next, New Philadelphia-Dover reads only its home counties, where a state page gives a mix of unrelated markets: 255 loans in total.
New Philadelphia-Dover shows a program split that Loan Analytics keeps back because the counts are small, so we print none. Separately, 5.1% of all approvals belong to a franchise brand here. In addition, in 7(a) lending, the leading names on loan count are The Huntington National Bank booking 189 loans and $31.0 million, First Federal Community Bank National Association booking 16 loans for $4.0 million, and Consumers National Bank with 7 loans and $2.7 million. In practice, no certified development company in New Philadelphia-Dover reaches the listing threshold. These names are taken from SBA records covering 255 approvals; they describe loans approved and nothing further, never the standards that lenders require across New Philadelphia-Dover.
Automotive mechanical repair at 10, 8 in hotel and motel, 8 in full-service restaurant, followed by 6 for limited-service restaurant head the class list by approvals. Here, 205 approvals sit beyond the named classes, so its $72.0 million total covers more than any class table. In addition, Tuscarawas County accounts for all of 255 loans, so area and county match. In addition, across the years, FY2017 opens at 23 loans and $4.3 million; FY2022 tops the series at 38 loans and $8.4 million, while FY2026 closes the run at 9 loans and $3.9 million.
7.0% among FY2017 to FY2024 approvals in New Philadelphia-Dover have been cancelled before funding, and that is a floor; 9.3% marks the ceiling if undisbursed loans count. 5.9% of FY2017 to FY2021 disbursed loans in New Philadelphia-Dover were charged off, a floor, out of 102 disbursed loans. Beyond that, a five-year figure is withheld for New Philadelphia-Dover, so only the to-date floor appears. Take each percentage on this page like a floor, because approvals made recently have had too little runway to cancel or default, across 255 loans. Each area on this page means the area holding any loan's project county, on July 2023 boundaries in force; project counties were matched by name, while a project whose site county does not map drops out of every area without exception. Also, named class or not, each approval in either program in New Philadelphia-Dover is counted into its $72.0 million total.
Across New Philadelphia-Dover, an independent study for a building begins with the subject property, never the 255-loan file. Also, demand in New Philadelphia-Dover is the opening test: will New Philadelphia-Dover's local customer base carry the income modelled, set against rivals in and near Tuscarawas County? In addition, the median here stands at 0.26x compared with the median nationwide, so ordinary loans are modest; a larger project has to prove comparable deals justify its size. In practice, the debt service test binds revenue to cost for New Philadelphia-Dover: expected net income tested against the annual debt service, and a weak-sales case. In addition, the valuation finishes the job here: value as built must support the loan put forward. Separately, a sponsor carrying a separate written study for New Philadelphia-Dover, when first meeting a lender, has faced the floors in advance; the verdict sits with lender and SBA in New Philadelphia-Dover, and no study can promise it.
| Loans approved, FY2017 to FY2026 | 255 |
|---|---|
| Gross dollars approved | $72.0 million |
| Median loan | $55,000 |
| Middle half of loans, from | $25,000 |
| Middle half of loans, to | $152,250 |
| SBA 7(a) loans | withheld |
| SBA 504 loans | withheld |
| Franchise share of loans | 5.1% |
| Rank among metro and micro areas by loans | 268 of 928 |
| Median loan against the national median | 0.26x |
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 7.0% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 9.3% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 5.9% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 102 |
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 New Philadelphia-Dover, OH Micro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 23 | $4.3 million |
| FY2018 | 29 | $7.5 million |
| FY2019 | 17 | $1.8 million |
| FY2020 | 22 | $2.8 million |
| FY2021 | 20 | $16.7 million |
| FY2022 | 38 | $8.4 million |
| FY2023 | 33 | $5.4 million |
| FY2024 | 33 | $11.1 million |
| FY2025 | 31 | $10.0 million |
| FY2026 | 9 | $3.9 million |
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 205 |
| Automotive mechanical repair (car and truck) | 10 |
| Hotel and motel | 8 |
| Full-service restaurant | 8 |
| Limited-service restaurant | 6 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
| Lender | Loans | Dollars |
|---|---|---|
| The Huntington National Bank | 189 | $31.0 million |
| First Federal Community Bank National Association | 16 | $4.0 million |
| Consumers National Bank | 7 | $2.7 million |
| Northeast Bank (ME) | 5 | $365,500 |
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.
| County | Loans |
|---|---|
| Tuscarawas County, OH | 255 |
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-35420.
A worked example of the feasibility study a lender would read for a glamping resort project in Ohio, financed with a USDA Business and Industry guaranteed loan.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the New Philadelphia-Dover, OH 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.
Start with the data.
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