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County2nd of 70 in Oklahoma by approvalsFIPS 40143
SBA loans in Tulsa 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.
SBA approved 654 loans to businesses in Tulsa County, Oklahoma, in FY2021 to FY2025, worth $433M: 590 under 7(a) and 64 under 504.
That is 33.4 approvals per 1,000 business establishments (19,556 establishments in 2023), close to the Oklahoma figure of 29.1 and below the national 41.0.
It ranks 2nd of 70 Oklahoma counties with approvals. In FY2025 there were 117, down 17% on FY2024.
105 lenders had approvals here; the most active were First Oklahoma Bank (48), Arvest Bank (48) and BancFirst (44). 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 Tulsa County
By number of approvals to businesses in the county, FY2021–FY2025; 105 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | First Oklahoma BankJenks, OK | 48 | $49.5M | 7.3% | |
| 2 | Arvest BankFayetteville, AR | 48 | $8.7M | 7.3% | |
| 3 | BancFirstOklahoma City, OK | 44 | $19.5M | 6.7% | |
| 4 | Security BankTulsa, OK | 43 | $30.4M | 6.6% | |
| 5 | The Huntington National BankColumbus, OH | 38 | $14.1M | 5.8% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 25 | $36.4M | 3.8% | |
| 7 | Tulsa Economic Development CorporationTulsa, OK · CDC | 24 | $18.2M | 3.7% | |
| 8 | Small Business Capital CorporationTulsa, OK · CDC | 21 | $15.2M | 3.2% | |
| 9 | First Pryority BankPryor, OK | 19 | $9.5M | 2.9% | |
| 10 | Rural Enterprises of Oklahoma, Inc.Durant, OK · CDC | 18 | $21.1M | 2.8% | |
| 11 | Regent BankTulsa, OK | 18 | $10.7M | 2.8% | |
| 12 | Triad Bank, National AssociationTulsa, OK | 18 | $3.7M | 2.8% | |
| 13 | Mabrey BankBixby, OK | 17 | $10.1M | 2.6% | |
| 14 | Northeast BankLewiston, ME | 17 | $3.1M | 2.6% | |
| 15 | Readycap Lending, LLCBerkeley Heights, NJ | 16 | $10.3M | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 69 | 10.6% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 23 | 3.5% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 21 | 3.2% | |
| 4 | Child Day Care ServicesNAICS 6244 | 19 | 2.9% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 19 | 2.9% | |
| 6 | Personal Care ServicesNAICS 8121 | 19 | 2.9% | |
| 7 | Traveler AccommodationNAICS 7211 | 18 | 2.8% | |
| 8 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 18 | 2.8% | |
| 9 | Services to Buildings and DwellingsNAICS 5617 | 18 | 2.8% | |
| 10 | Offices of PhysiciansNAICS 6211 | 17 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 101 | 15.4% | |
| 2 | Health Care and Social Assistance | 87 | 13.3% | |
| 3 | Construction | 70 | 10.7% | |
| 4 | Other Services (except Public Administration) | 67 | 10.2% | |
| 5 | Retail Trade | 67 | 10.2% | |
| 6 | Manufacturing | 53 | 8.1% | |
| 7 | Professional, Scientific, and Technical Services | 51 | 7.8% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 31 | 4.7% |
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* | 69 | $40.5M | $300K | 4 | $2.6M | 73 | 641 |
| FY2025 | 107 | $62.6M | $250K | 10 | $12.0M | 117 | 2,044 |
| FY2024 | 132 | $86.6M | $250K | 9 | $10.6M | 141 | 1,936 |
| FY2023 | 126 | $65.7M | $235K | 12 | $12.9M | 138 | 1,721 |
| FY2022 | 111 | $81.3M | $326K | 14 | $8.8M | 125 | 1,969 |
| FY2021 | 114 | $80.7M | $313K | 19 | $11.4M | 133 | 1,739 |
| FY2020 | 93 | $52.0M | $200K | 7 | $4.7M | 100 | 1,328 |
| FY2019 | 110 | $59.5M | $265K | 9 | $4.2M | 119 | 1,725 |
| FY2018 | 133 | $74.3M | $188K | 9 | $6.3M | 142 | 1,742 |
| FY2017 | 157 | $61.6M | $150K | 13 | $8.0M | 170 | 2,216 |
| FY2016 | 154 | $47.2M | $141K | 9 | $4.7M | 163 | 1,820 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 694 approvals.
Against Oklahoma and the country
| FY2021–FY2025 | Tulsa County | Oklahoma | United States |
|---|---|---|---|
| Approvals | 654 | 2,802 | 342,825 |
| Approvals per 1,000 establishments | 33.4 | 29.1 | 41.0 |
| Median 7(a) approval | $270K | $250K | $190K |
| Median 504 approval | $527K | $569K | $657K |
| Average approval | $662K | $611K | $573K |
| 504 share of approvals | 9.8% | 7.4% | 11.0% |
| Jobs supported per approval, as reported | 14.4 | 12.2 | 10.5 |
| Share of state approvals | 23.3% | 100.0% | — |
Approval sizes
- $50,000 or less13.1%86
- $50,001 to $150,00017.7%116
- $150,001 to $350,00026.6%174
- $350,001 to $1 million24.2%158
- $1 million to $2 million10.1%66
- Over $2 million8.3%54
Age of the businesses
- Existing, more than 2 years old48.5%317
- New business, 2 years or less15.9%104
- Startup, loan funds will open the business27.5%180
- Change of ownership8.1%53
Questions and answers
Which lenders make the most SBA loans in Tulsa County?
By approvals in FY2021 to FY2025: First Oklahoma Bank (48), Arvest Bank (48), BancFirst (44), Security Bank (43), The Huntington National Bank (38). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Tulsa County?
The median 7(a) approval was $270K and the median 504 approval $527K; the Oklahoma 7(a) median was $250K.
Which industries get the most SBA loans in Tulsa County?
Restaurants and Other Eating Places (69); Offices of Other Health Practitioners (23); Building Equipment Contractors (21); Child Day Care Services (19); Automotive Repair and Maintenance (19).
Is SBA lending in Tulsa County rising?
Approvals in the three latest complete fiscal years total 396, against 358 in the three before: rising (+11%).
How does Tulsa County compare with the rest of Oklahoma?
33.4 approvals per 1,000 establishments against 29.1 statewide, and 654 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