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County9th of 70 in Oklahoma by approvalsFIPS 40101
SBA loans in Muskogee County, Oklahoma
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.
Businesses in Muskogee County, Oklahoma, received 41 SBA loan approvals worth $31.3M in FY2021 to FY2025 (37 7(a), 4 504).
That is 30.7 approvals per 1,000 business establishments (1,334 establishments in 2023), close to the Oklahoma figure of 29.1 and below the national 41.0.
It ranks 9th of 70 Oklahoma counties with approvals. In FY2025 there were 4.
20 lenders had approvals here; the most active were BancFirst (14), Arvest Bank (5) and Newtek Small Business Finance, Inc. (3). The most common industry was other heavy and civil engineering construction.
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 Muskogee County
By number of approvals to businesses in the county, FY2021–FY2025; 20 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | BancFirstOklahoma City, OK | 14 | $4.7M | 34.1% | |
| 2 | Arvest BankFayetteville, AR | 5 | $2.2M | 12.2% | |
| 3 | Newtek Small Business Finance, Inc.Lake Success, NY | 3 | $915K | 7.3% | |
| 4 | Armstrong BankMuskogee, OK | 2 | — | 4.9% | |
| 5 | Rural Enterprises of Oklahoma, Inc.Durant, OK · CDC | 2 | — | 4.9% | |
| 6 | Open BankLos Angeles, CA | 1 | — | 2.4% | |
| 7 | Byline BankChicago, IL | 1 | — | 2.4% | |
| 8 | The Huntington National BankColumbus, OH | 1 | — | 2.4% | |
| 9 | Green Country FCUSand Springs, OK | 1 | — | 2.4% | |
| 10 | Wells Fargo Bank National AssociationSioux Falls, SD | 1 | — | 2.4% | |
| 11 | First Pryority BankPryor, OK | 1 | — | 2.4% | |
| 12 | SpiritBankTulsa, OK | 1 | — | 2.4% | |
| 13 | Tulsa Economic Development CorporationTulsa, OK · CDC | 1 | — | 2.4% | |
| 14 | Small Business Capital CorporationTulsa, OK · CDC | 1 | — | 2.4% | |
| 15 | First State BankTahlequah, OK | 1 | — | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Heavy and Civil Engineering ConstructionNAICS 2379 | 5 | 12.2% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 9.8% | |
| 3 | Traveler AccommodationNAICS 7211 | 3 | 7.3% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 7.3% | |
| 5 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 3 | 7.3% | |
| 6 | Restaurants and Other Eating PlacesNAICS 7225 | 3 | 7.3% | |
| 7 | Death Care ServicesNAICS 8122 | 2 | 4.9% | |
| 8 | Child Day Care ServicesNAICS 6244 | 2 | 4.9% | |
| 9 | Other Personal ServicesNAICS 8129 | 2 | 4.9% | |
| 10 | Pharmaceutical and Medicine ManufacturingNAICS 3254 | 1 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Services (except Public Administration) | 10 | 24.4% | |
| 2 | Construction | 9 | 22.0% | |
| 3 | Accommodation and Food Services | 6 | 14.6% | |
| 4 | Professional, Scientific, and Technical Services | 4 | 9.8% | |
| 5 | Retail Trade | 3 | 7.3% | |
| 6 | Transportation and Warehousing | 3 | 7.3% | |
| 7 | Wholesale Trade | 2 | 4.9% | |
| 8 | Health Care and Social Assistance | 2 | 4.9% |
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* | 5 | $6.0M | $350K | 0 | — | 5 | 29 |
| FY2025 | 4 | $6.4M | $651K | 0 | — | 4 | 39 |
| FY2024 | 6 | $7.5M | $625K | 0 | — | 6 | 50 |
| FY2023 | 7 | $2.1M | $297K | 1 | — | 8 | 88 |
| FY2022 | 7 | $2.2M | $270K | 2 | — | 9 | 115 |
| FY2021 | 13 | $11.4M | $375K | 1 | — | 14 | 136 |
| FY2020 | 11 | $7.7M | $320K | 2 | — | 13 | 183 |
| FY2019 | 4 | $1.6M | $198K | 1 | — | 5 | 97 |
| FY2018 | 12 | $2.9M | $144K | 0 | — | 12 | 53 |
| FY2017 | 13 | $8.1M | $348K | 1 | — | 14 | 62 |
| FY2016 | 4 | $2.6M | $421K | 0 | — | 4 | 21 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 48 approvals.
Against Oklahoma and the country
| FY2021–FY2025 | Muskogee County | Oklahoma | United States |
|---|---|---|---|
| Approvals | 41 | 2,802 | 342,825 |
| Approvals per 1,000 establishments | 30.7 | 29.1 | 41.0 |
| Median 7(a) approval | $350K | $250K | $190K |
| Median 504 approval | $425K | $569K | $657K |
| Average approval | $763K | $611K | $573K |
| 504 share of approvals | 9.8% | 7.4% | 11.0% |
| Jobs supported per approval, as reported | 10.4 | 12.2 | 10.5 |
| Share of state approvals | 1.5% | 100.0% | — |
Approval sizes
- $50,000 or less2.4%1
- $50,001 to $150,00019.5%8
- $150,001 to $350,00031.7%13
- $350,001 to $1 million31.7%13
- $1 million to $2 million7.3%3
- Over $2 million7.3%3
Age of the businesses
- Existing, more than 2 years old48.8%20
- New business, 2 years or less12.2%5
- Startup, loan funds will open the business19.5%8
- Change of ownership19.5%8
Questions and answers
Which lenders make the most SBA loans in Muskogee County?
By approvals in FY2021 to FY2025: BancFirst (14), Arvest Bank (5), Newtek Small Business Finance, Inc. (3), Armstrong Bank (2), Rural Enterprises of Oklahoma, Inc. (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Muskogee County?
The median 7(a) approval was $350K and the median 504 approval $425K; the Oklahoma 7(a) median was $250K.
Which industries get the most SBA loans in Muskogee County?
Other Heavy and Civil Engineering Construction (5); Automotive Repair and Maintenance (4); Traveler Accommodation (3); Other Specialty Trade Contractors (3); Other Professional, Scientific, and Technical Services (3).
Is SBA lending in Muskogee County rising?
Approvals in the three latest complete fiscal years total 18, against 36 in the three before: falling (-50%).
How does Muskogee County compare with the rest of Oklahoma?
30.7 approvals per 1,000 establishments against 29.1 statewide, and 41 of the state's 2,802 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