United Midwest Savings Bank National Association
Headquartered in DE GRAFF, OH. Analysis based on 5,025 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $1.65B.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
United Midwest Savings Bank National Association ranks #64 by charge-off rate (8.18%).
Total 7(a) loans
5,025
Total approved
$1.65B
Average loan
$328K
States funded in
52
Charge-off rate
8.18%
FY2020–FY2023 cohort
Paid-in-full rate
20.54%
Average rate
8.47%
Average term
126 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 236118 | Residential Remodelers | 365 |
| 561720 | Janitorial Services | 250 |
| 621310 | Offices of Chiropractors | 219 |
| 561730 | Landscaping Services | 207 |
| 531311 | Residential Property Managers | 181 |
| 562910 | Remediation Services | 180 |
| 524210 | Insurance Agencies and Brokerages | 171 |
| 238320 | Painting and Wall Covering Contractors | 162 |
| 624120 | Services for the Elderly and Persons with Disabilities | 152 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 139 |
Top 10 states
| State | Loans |
|---|---|
| TX | 680 |
| FL | 565 |
| CA | 350 |
| GA | 314 |
| NC | 223 |
| OH | 216 |
| AZ | 149 |
| CO | 147 |
| MI | 143 |
| TN | 142 |
Top franchise brands financed
3,484 franchise loans across 446 distinct brands.
| Franchise | Loans |
|---|---|
| Naturals2Go | 222 |
| The Grounds Guys | 152 |
| Sam the Concrete Man | 98 |
| Property Management Inc. | 87 |
| Ace Handyman Services | 71 |
| 360 Painting | 63 |
| Mr. Electric | 59 |
| Aire Serv | 59 |
| Budget Blinds | 57 |
| Mr. Appliance | 53 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.