# SBA loans to home remodeling contractors in Ohio **Short answer:** SBA's loan file shows 693 loans to home remodeling contractors in Ohio since October 2019. 81.5% went through SBA Express, against 65.8% nationally. 67.1% were lines of credit, against 51.6% nationally. Canonical page: https://www.sbaexpress.loans/industries/residential-remodelers/ohio/ Data as of: 2026-06-30 These are the 693 SBA 7(a) loans to [home remodeling contractors](https://www.sbaexpress.loans/industries/residential-remodelers/) in [Ohio](https://www.sbaexpress.loans/ohio-small-business-loans/) approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other. ## How Ohio differs from the U.S. **What this means for you.** SBA Express was a more common route for these loans here, so ask lenders about it if your loan is small enough to qualify. ### SBA Express 81.5% of the loans in Ohio went through SBA Express, against 65.8% nationally. SBA Express, share of loans, Oct 2019 to Jun 2026 - Ohio: 81.5% - United States: 65.8% ### Lines of credit 67.1% of the loans in Ohio were lines of credit, against 51.6% nationally. Lines of credit, share of loans, Oct 2019 to Jun 2026 - Ohio: 67.1% - United States: 51.6% ### Lender concentration [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/) made 73.6% of these loans (510 of 693). Nationally it made 16.4% of loans to home remodeling contractors. It made 60.3% of all SBA loans in Ohio. We compared 9 measures with the national figure for the same period, and these are the 3 that differ clearly. 3 more differences are in the table. ## Ohio next to the U.S. **Ohio compared with all loans to home remodeling contractors in the U.S., October 2019 to June 2026** | Measure | Ohio | United States | Reading | | --- | --- | --- | --- | | Industry's share of all SBA loans | 3.6% | 2.1% | Clearly higher | | Median loan | $50,000 | $75,350 | Clearly lower | | Middle half of loans | $25,000 to $100,000 | $30,000 to $150,000 | – | | Startups (the loan opens the business) | 6.2% | 10.6% | No clear gap | | In business 2 years or less | 11.4% | 15.9% | No clear gap | | In business more than 2 years | 79.8% | 69.2% | Clearly higher | | Change of ownership | 1.7% | 2.9% | No clear gap | | SBA Express | 81.5% | 65.8% | Clearly higher | | Lines of credit | 67.1% | 51.6% | Clearly higher | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2 points over Prime | 2.8 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## Who lends in Ohio The 5 lenders below made 626 of the 693 loans approved October 2019 to June 2026, or 90.3%. A lender is listed when it has 5 or more of them, five at most. **Top lenders in Ohio** | Lender | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/) | 510 | 73.6% | 16.4% | | [U.S. Bank](https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/) | 65 | 9.4% | 11.6% | | [PNC Bank](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/) | 21 | 3.0% | Not in top 5 | | [KeyBank](https://www.sbaexpress.loans/sba-express-lenders/keybank/) | 16 | 2.3% | Not in top 5 | | [United Midwest Savings Bank](https://www.sbaexpress.loans/sba-express-lenders/united-midwest-savings-bank/) | 14 | 2.0% | 5.1% | Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry. ## Home remodeling contractors in other states Other states where these loans differ clearly from the national pattern, most loans first. **Home remodeling contractors by state** | State | Loans since October 2019 | | --- | --- | | [California](https://www.sbaexpress.loans/industries/residential-remodelers/california/) | 621 | | [New York](https://www.sbaexpress.loans/industries/residential-remodelers/new-york/) | 609 | | [Florida](https://www.sbaexpress.loans/industries/residential-remodelers/florida/) | 455 | | [New Jersey](https://www.sbaexpress.loans/industries/residential-remodelers/new-jersey/) | 336 | | [Pennsylvania](https://www.sbaexpress.loans/industries/residential-remodelers/pennsylvania/) | 334 | | [Michigan](https://www.sbaexpress.loans/industries/residential-remodelers/michigan/) | 317 | | [Texas](https://www.sbaexpress.loans/industries/residential-remodelers/texas/) | 317 | | [Washington](https://www.sbaexpress.loans/industries/residential-remodelers/washington/) | 264 | ## More industries in Ohio Other industries in Ohio with a clear difference from the national pattern, most loans first. **Other industries in Ohio** | Industry | Loans since October 2019 | | --- | --- | | [Long-haul truckload carriers](https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/ohio/) | 1,160 | | [Sit-down restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/ohio/) | 790 | | [Local trucking companies](https://www.sbaexpress.loans/industries/general-freight-trucking-local/ohio/) | 570 | | [Fast-food, pizza and counter-service restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/ohio/) | 559 | | [Landscaping and lawn care companies](https://www.sbaexpress.loans/industries/landscaping-services/ohio/) | 502 | | [Paving, fencing, pool and other specialty contractors](https://www.sbaexpress.loans/industries/all-other-specialty-trade-contractors/ohio/) | 478 | | [Plumbing and HVAC companies](https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/ohio/) | 349 | | [Gyms, fitness studios and recreational sports centers](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/ohio/) | 297 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)