What SBA's own loan files show about lending in the Tiffin, OH Micro Area, every asset class together, and what a feasibility study for a project there has to test.
Ranked 437 of 928 by loans, Tiffin drew 116 approvals between FY2017 and FY2026, $27.7 million gross. A median of $115,100 in Tiffin sits at 0.55x the national median, below the usual ticket. Tiffin loans in the middle half fall from $50,000 to $278,425. With $50,000 and $278,425 bounding the middle half in Tiffin, no single benchmark fits every project in Tiffin.
In Tiffin, 107 approvals are SBA 7(a) loans; 9 are SBA 504 loans. Tiffin franchise share of loans is 5.2%. In Tiffin, classes read automotive mechanical repair with 8 and gas station and truck stop with 6. In Tiffin, outside the tracked classes, 83 loans make up the rest of the 116. A single county, Seneca County, OH, accounts for 116 Tiffin loans.
In Tiffin, lender lines come from SBA's files on loans a holder retains or retained in Tiffin, under the holder note, so they record a portfolio only. Tiffin holders should be read that way. The largest Tiffin holders under SBA 7(a) are The Huntington National Bank with 34 loans worth $6.4 million; Sutton Bank with 25 loans worth $3.7 million; U.S. Bank, National Association with 6 loans worth $835,900. No holder in Tiffin, OH reaches the 504 table threshold. The Tiffin 504 side carries no lender names. In Tiffin, the top holder leads the rest. A Tiffin borrower may still approach any lender in Tiffin.
The cancellation floor for Tiffin is withheld because too few loans stand behind it, so Tiffin gets no number here, and none should be read as zero. Tiffin charge-offs to date, for loans disbursed from FY2017 to FY2021 remains hidden, cohort thin; this page prints nothing for Tiffin, not zero. Of the printed Tiffin years, FY2017 leads with 18 loans. Files place a loan in Tiffin using county of record for the project per the July 2023 delineation, consequently a loan whose county cannot be placed joins no area at all. The 116 loans in Tiffin, OH include those in no named class in Tiffin.
First, prove demand in Tiffin. Weigh the people near the proposed site, not a micropolitan area, then test a late opening in Tiffin. After demand, Tiffin cost. A $115,100 median loan is a rough guide, even if an outlier needs explaining in Tiffin, with Tiffin fees and reserves itemised. Coverage of debt service is the Tiffin test. State the ratio under a base case alongside a weaker revenue case, saying how far Tiffin revenue can fall. The Tiffin appraisal is the final gate: so any occupancy claim must explain any gap in Tiffin. In Tiffin, a micropolitan area, the base is thin: 116 loans. A large Tiffin project may borrow comparables elsewhere. At 0.55x of the national median, a very large Tiffin project may look unusual in Tiffin. The study should explain its scale for Tiffin against $115,100.
| Loans approved, FY2017 to FY2026 | 116 |
|---|---|
| Gross dollars approved | $27.7 million |
| Median loan | $115,100 |
| Middle half of loans, from | $50,000 |
| Middle half of loans, to | $278,425 |
| SBA 7(a) loans | 107 |
| SBA 504 loans | 9 |
| Franchise share of loans | 5.2% |
| Rank among metro and micro areas by loans | 437 of 928 |
| Median loan against the national median | 0.55x |
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 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 Tiffin, OH Micro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 18 | $2.5 million |
| FY2018 | 15 | $3.5 million |
| FY2019 | 9 | $1.1 million |
| FY2020 | 10 | $4.1 million |
| FY2021 | 12 | $2.5 million |
| FY2022 | 6 | $2.4 million |
| FY2023 | 13 | $3.6 million |
| FY2024 | 14 | $2.1 million |
| FY2025 | 10 | $3.7 million |
| FY2026 | 9 | $2.3 million |
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 83 |
| Automotive mechanical repair (car and truck) | 8 |
| Gas station and truck stop | 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 | 34 | $6.4 million |
| Sutton Bank | 25 | $3.7 million |
| U.S. Bank, National Association | 6 | $835,900 |
| West Central Development Corporation | 5 | $691,000 |
| Northeast Bank (ME) | 5 | $677,000 |
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.
| County | Loans |
|---|---|
| Seneca County, OH | 116 |
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-45660.
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 Tiffin, 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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