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County2nd of 60 in Colorado by approvalsFIPS 08005
SBA loans in Arapahoe County, Colorado
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 1,173 loans to businesses in Arapahoe County, Colorado, in FY2021 to FY2025, worth $746M: 1,102 under 7(a) and 71 under 504.
That is 58.3 approvals per 1,000 business establishments (20,137 establishments in 2023), above the Colorado figure of 49.6 and above the national 41.0.
It ranks 2nd of 60 Colorado counties with approvals. In FY2025 there were 312, up 8% on FY2024.
110 lenders had approvals here; the most active were The Huntington National Bank (169), U.S. Bank, National Association (72) and Live Oak Banking Company (67). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Arapahoe County
By number of approvals to businesses in the county, FY2021–FY2025; 110 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 169 | $39.8M | 14.4% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 72 | $14.9M | 6.1% | |
| 3 | Live Oak Banking CompanyWilmington, NC | 67 | $84.3M | 5.7% | |
| 4 | KeyBank National AssociationCleveland, OH | 62 | $17.4M | 5.3% | |
| 5 | Hanmi BankLos Angeles, CA | 55 | $38.9M | 4.7% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 51 | $11.3M | 4.3% | |
| 7 | B:Side CapitalDenver, CO · CDC | 43 | $58.1M | 3.7% | |
| 8 | Northeast BankLewiston, ME | 42 | $6.6M | 3.6% | |
| 9 | Newtek Bank, National AssociationMiami, FL | 37 | $18.0M | 3.2% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 36 | $22.7M | 3.1% | |
| 11 | JPMorgan Chase Bank, National AssociationColumbus, OH | 32 | $8.8M | 2.7% | |
| 12 | BayFirst National BankSaint Petersburg, FL | 31 | $4.4M | 2.6% | |
| 13 | Bank of HopeLos Angeles, CA | 28 | $14.8M | 2.4% | |
| 14 | BMO Bank National AssociationChicago, IL | 19 | $16.7M | 1.6% | |
| 15 | United Midwest Savings Bank National AssociationDe Graff, OH | 18 | $5.2M | 1.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 101 | 8.6% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 64 | 5.5% | |
| 3 | Beer, Wine, and Liquor StoresNAICS 4453 | 64 | 5.5% | |
| 4 | Personal Care ServicesNAICS 8121 | 41 | 3.5% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 38 | 3.2% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 31 | 2.6% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 30 | 2.6% | |
| 8 | Residential Building ConstructionNAICS 2361 | 30 | 2.6% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 29 | 2.5% | |
| 10 | Other Amusement and Recreation IndustriesNAICS 7139 | 27 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 179 | 15.3% | |
| 2 | Health Care and Social Assistance | 153 | 13.0% | |
| 3 | Other Services (except Public Administration) | 152 | 13.0% | |
| 4 | Construction | 151 | 12.9% | |
| 5 | Professional, Scientific, and Technical Services | 126 | 10.7% | |
| 6 | Accommodation and Food Services | 119 | 10.1% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 59 | 5.0% | |
| 8 | Transportation and Warehousing | 48 | 4.1% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 109 | $74.5M | $350K | 10 | $14.1M | 119 | 1,560 |
| FY2025 | 299 | $164M | $250K | 13 | $18.5M | 312 | 3,440 |
| FY2024 | 274 | $130M | $202K | 14 | $19.6M | 288 | 3,247 |
| FY2023 | 207 | $110M | $250K | 8 | $12.7M | 215 | 2,854 |
| FY2022 | 144 | $98.4M | $350K | 15 | $20.1M | 159 | 1,781 |
| FY2021 | 178 | $144M | $375K | 21 | $29.2M | 199 | 2,523 |
| FY2020 | 157 | $109M | $350K | 13 | $15.8M | 170 | 1,995 |
| FY2019 | 152 | $95.2M | $250K | 12 | $9.6M | 164 | 1,617 |
| FY2018 | 179 | $97.3M | $210K | 16 | $23.2M | 195 | 2,282 |
| FY2017 | 207 | $77.1M | $150K | 14 | $13.4M | 221 | 2,197 |
| FY2016 | 216 | $71.6M | $150K | 21 | $21.1M | 237 | 2,318 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 987 approvals.
Against Colorado and the country
| FY2021–FY2025 | Arapahoe County | Colorado | United States |
|---|---|---|---|
| Approvals | 1,173 | 9,057 | 342,825 |
| Approvals per 1,000 establishments | 58.3 | 49.6 | 41.0 |
| Median 7(a) approval | $275K | $261K | $190K |
| Median 504 approval | $1.2M | $612K | $657K |
| Average approval | $636K | $645K | $573K |
| 504 share of approvals | 6.1% | 11.1% | 11.0% |
| Jobs supported per approval, as reported | 11.8 | 10.6 | 10.5 |
| Share of state approvals | 13.0% | 100.0% | — |
Approval sizes
- $50,000 or less21.1%247
- $50,001 to $150,00015.9%186
- $150,001 to $350,00020.4%239
- $350,001 to $1 million24.2%284
- $1 million to $2 million9.7%114
- Over $2 million8.8%103
Age of the businesses
- Existing, more than 2 years old49.5%581
- New business, 2 years or less19.9%233
- Startup, loan funds will open the business16.6%195
- Change of ownership14.0%164
Questions and answers
Which lenders make the most SBA loans in Arapahoe County?
By approvals in FY2021 to FY2025: The Huntington National Bank (169), U.S. Bank, National Association (72), Live Oak Banking Company (67), KeyBank National Association (62), Hanmi Bank (55). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Arapahoe County?
The median 7(a) approval was $275K and the median 504 approval $1.2M; the Colorado 7(a) median was $261K.
Which industries get the most SBA loans in Arapahoe County?
Restaurants and Other Eating Places (101); Automotive Repair and Maintenance (64); Beer, Wine, and Liquor Stores (64); Personal Care Services (41); Offices of Other Health Practitioners (38).
Is SBA lending in Arapahoe County rising?
Approvals in the three latest complete fiscal years total 815, against 528 in the three before: rising (+54%).
How does Arapahoe County compare with the rest of Colorado?
58.3 approvals per 1,000 establishments against 49.6 statewide, and 1,173 of the state's 9,057 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error