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County1st of 70 in Oklahoma by approvalsFIPS 40109
SBA loans in Oklahoma 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 Oklahoma County, Oklahoma, received 743 SBA loan approvals worth $432M in FY2021 to FY2025 (686 7(a), 57 504).
That is 29.9 approvals per 1,000 business establishments (24,877 establishments in 2023), close to the Oklahoma figure of 29.1 and below the national 41.0.
It ranks 1st of 70 Oklahoma counties with approvals. In FY2025 there were 154, about level with FY2024.
112 lenders had approvals here; the most active were BancFirst (203), Rural Enterprises of Oklahoma, Inc. (38) and Northeast Bank (30). 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 Oklahoma County
By number of approvals to businesses in the county, FY2021–FY2025; 112 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | BancFirstOklahoma City, OK | 203 | $99.6M | 27.3% | |
| 2 | Rural Enterprises of Oklahoma, Inc.Durant, OK · CDC | 38 | $35.8M | 5.1% | |
| 3 | Northeast BankLewiston, ME | 30 | $5.5M | 4.0% | |
| 4 | Arvest BankFayetteville, AR | 21 | $4.1M | 2.8% | |
| 5 | BayFirst National BankSaint Petersburg, FL | 20 | $2.9M | 2.7% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 19 | $39.7M | 2.6% | |
| 7 | The Huntington National BankColumbus, OH | 19 | $7.3M | 2.6% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 18 | $10.2M | 2.4% | |
| 9 | First United Bank and Trust CompanyDurant, OK | 17 | $11.1M | 2.3% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 17 | $6.4M | 2.3% | |
| 11 | Great Plains National BankElk City, OK | 15 | $3.9M | 2.0% | |
| 12 | JPMorgan Chase Bank, National AssociationColumbus, OH | 15 | $2.6M | 2.0% | |
| 13 | Celtic Bank CorporationSalt Lake City, UT | 13 | $18.4M | 1.7% | |
| 14 | Small Business Capital CorporationTulsa, OK · CDC | 12 | $7.2M | 1.6% | |
| 15 | BOKF, National AssociationTulsa, OK | 12 | $5.9M | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 74 | 10.0% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 33 | 4.4% | |
| 3 | Personal Care ServicesNAICS 8121 | 30 | 4.0% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 24 | 3.2% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 23 | 3.1% | |
| 6 | Other Amusement and Recreation IndustriesNAICS 7139 | 21 | 2.8% | |
| 7 | Child Day Care ServicesNAICS 6244 | 20 | 2.7% | |
| 8 | Automotive Repair and MaintenanceNAICS 8111 | 20 | 2.7% | |
| 9 | Other Personal ServicesNAICS 8129 | 20 | 2.7% | |
| 10 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 18 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 99 | 13.3% | |
| 2 | Health Care and Social Assistance | 97 | 13.1% | |
| 3 | Accommodation and Food Services | 96 | 12.9% | |
| 4 | Retail Trade | 80 | 10.8% | |
| 5 | Other Services (except Public Administration) | 80 | 10.8% | |
| 6 | Professional, Scientific, and Technical Services | 76 | 10.2% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 46 | 6.2% | |
| 8 | Manufacturing | 41 | 5.5% |
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* | 99 | $60.9M | $315K | 4 | $1.5M | 103 | 1,485 |
| FY2025 | 147 | $74.5M | $250K | 7 | $10.3M | 154 | 2,094 |
| FY2024 | 140 | $69.1M | $150K | 5 | $3.6M | 145 | 1,896 |
| FY2023 | 115 | $54.7M | $300K | 9 | $7.7M | 124 | 1,974 |
| FY2022 | 149 | $85.2M | $210K | 14 | $16.8M | 163 | 1,933 |
| FY2021 | 135 | $95.2M | $288K | 22 | $15.3M | 157 | 2,180 |
| FY2020 | 151 | $75.5M | $215K | 6 | $5.3M | 157 | 2,354 |
| FY2019 | 142 | $51.3M | $150K | 8 | $10.1M | 150 | 2,046 |
| FY2018 | 142 | $63.5M | $197K | 14 | $11.4M | 156 | 1,749 |
| FY2017 | 124 | $51.3M | $159K | 3 | $1.6M | 127 | 1,965 |
| FY2016 | 111 | $43.5M | $150K | 6 | $3.3M | 117 | 1,117 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 707 approvals.
Against Oklahoma and the country
| FY2021–FY2025 | Oklahoma County | Oklahoma | United States |
|---|---|---|---|
| Approvals | 743 | 2,802 | 342,825 |
| Approvals per 1,000 establishments | 29.9 | 29.1 | 41.0 |
| Median 7(a) approval | $244K | $250K | $190K |
| Median 504 approval | $619K | $569K | $657K |
| Average approval | $582K | $611K | $573K |
| 504 share of approvals | 7.7% | 7.4% | 11.0% |
| Jobs supported per approval, as reported | 13.6 | 12.2 | 10.5 |
| Share of state approvals | 26.5% | 100.0% | — |
Approval sizes
- $50,000 or less12.4%92
- $50,001 to $150,00024.8%184
- $150,001 to $350,00024.0%178
- $350,001 to $1 million22.2%165
- $1 million to $2 million9.8%73
- Over $2 million6.9%51
Age of the businesses
- Existing, more than 2 years old51.3%381
- New business, 2 years or less13.9%103
- Startup, loan funds will open the business24.4%181
- Change of ownership10.4%77
- Not answered0.1%1
Questions and answers
Which lenders make the most SBA loans in Oklahoma County?
By approvals in FY2021 to FY2025: BancFirst (203), Rural Enterprises of Oklahoma, Inc. (38), Northeast Bank (30), Arvest Bank (21), BayFirst National Bank (20). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Oklahoma County?
The median 7(a) approval was $244K and the median 504 approval $619K; the Oklahoma 7(a) median was $250K.
Which industries get the most SBA loans in Oklahoma County?
Restaurants and Other Eating Places (74); Offices of Other Health Practitioners (33); Personal Care Services (30); Services to Buildings and Dwellings (24); Building Equipment Contractors (23).
Is SBA lending in Oklahoma County rising?
Approvals in the three latest complete fiscal years total 423, against 477 in the three before: falling (-11%).
How does Oklahoma County compare with the rest of Oklahoma?
29.9 approvals per 1,000 establishments against 29.1 statewide, and 743 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