What SBA's own loan files show about lending in the Youngstown-Warren, OH Metro Area, every asset class together, and what a feasibility study for a project there has to test.
Youngstown-Warren is a small-ticket market. SBA approved 1,248 loans there between FY2017 and FY2026, $336.8 million gross, ranking the area 80 of 928. Youngstown puts its median at $60,000. Youngstown is 0.29x the national figure. For Youngstown, half of loans run $30,000 to $200,000. That median differs widely from the national median. Of the 1,248, 1,200 are 7(a) and 48 are 504, and franchises account for 6.9% of loans.
In Youngstown the named classes run full-service restaurant 68 loans, limited-service restaurant at 29, automotive mechanical repair at 26, hotel and motel at 21 and fitness center at 18. The bulk, 982 loans, lies outside them. Mahoning County has 697 loans and Trumbull County 551, a fairly even pair. Count slid from 129 loans and $17.7 million in FY2017 to a low of 73 in FY2026, yet dollars in that last year reached $36.8 million; the best year for count was FY2023, with 165 loans and $49.7 million. The count in FY2026 is lower than in FY2017, while the dollars in the last year are higher.
The Huntington National Bank holds 883 7(a) loans worth $120.2 million, far in front of Valley Economic Development Partners, Inc. with 42 loans and $7.0 million and WesBanco Bank, Inc. with 34 loans and $22.2 million. Valley Economic Development Partners, Inc. also tops the 504 list, at 43 loans and $27.0 million. Youngstown lists rest on SBA's holder records. Youngstown names hold or held these loans. Youngstown counts are volume, and Youngstown counts promise no lender requirement.
Youngstown cancellations after approval reached at least 9.7%. Youngstown approvals span FY2017 to FY2024. Youngstown reaches 11.2% when undisbursed loans count. Youngstown charge-offs reached at least 5.0% across 477 funded loans. Youngstown saw 2.9% of that within five years. Every Youngstown rate here is a floor, as open Youngstown loans may move it. Youngstown places projects by county name. Youngstown loses loans lacking a placeable county. Youngstown's members follow the July 2023 delineation. Youngstown counts all approvals, named or not. Tiny tickets mean a Youngstown study has to be proportionate: test demand for the specific business, cost the build or purchase honestly, run coverage on a weak year, and value the property from nearby sales. A restaurant needs sales-per-seat checks; a repair shop, bay capacity. Youngstown studies come from Loan Analytics. Youngstown studies are signed by Daniel Smith, MAI.
| Loans approved, FY2017 to FY2026 | 1,248 |
|---|---|
| Gross dollars approved | $336.8 million |
| Median loan | $60,000 |
| Middle half of loans, from | $30,000 |
| Middle half of loans, to | $200,000 |
| SBA 7(a) loans | 1,200 |
| SBA 504 loans | 48 |
| Franchise share of loans | 6.9% |
| Rank among metro and micro areas by loans | 80 of 928 |
| Median loan against the national median | 0.29x |
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 9.7% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 11.2% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 5.0% |
| Charged off within five years of approval | 2.9% |
| Loans in that cohort | 477 |
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 Youngstown-Warren, OH Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 129 | $17.7 million |
| FY2018 | 98 | $17.0 million |
| FY2019 | 106 | $29.7 million |
| FY2020 | 106 | $31.7 million |
| FY2021 | 103 | $35.9 million |
| FY2022 | 154 | $42.7 million |
| FY2023 | 165 | $49.7 million |
| FY2024 | 160 | $28.8 million |
| FY2025 | 154 | $46.8 million |
| FY2026 | 73 | $36.8 million |
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 982 |
| Full-service restaurant | 68 |
| Limited-service restaurant | 29 |
| Automotive mechanical repair (car and truck) | 26 |
| Hotel and motel | 21 |
| Fitness center | 18 |
| Child care center | 12 |
| Beauty salon | 12 |
| Coffee shop and snack bar | 12 |
| Dental office | 9 |
| Caterers (includes banquet halls with catering staff) | 9 |
| Liquor store | 9 |
| Gas station and truck stop | 8 |
| Car wash | 7 |
| Behavioral health and addiction treatment | 6 |
| Grocery store | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
| Lender | Loans | Dollars |
|---|---|---|
| Valley Economic Development Partners, Inc. | 43 | $27.0 million |
| Lender | Loans | Dollars |
|---|---|---|
| The Huntington National Bank | 883 | $120.2 million |
| Valley Economic Development Partners, Inc. | 42 | $7.0 million |
| WesBanco Bank, Inc. | 34 | $22.2 million |
| KeyBank National Association | 24 | $6.9 million |
| Northeast Bank (ME) | 15 | $2.1 million |
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 |
|---|---|
| Mahoning County, OH | 697 |
| Trumbull County, OH | 551 |
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-49660.
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 Youngstown-Warren, OH Metro 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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