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County5th of 70 in Oklahoma by approvalsFIPS 40145
SBA loans in Wagoner 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 56 loans to businesses in Wagoner County, Oklahoma, in FY2021 to FY2025, worth $20.3M: 55 under 7(a) and 1 under 504.
That is 49.6 approvals per 1,000 business establishments (1,128 establishments in 2023), above the Oklahoma figure of 29.1 and above the national 41.0.
It ranks 5th of 70 Oklahoma counties with approvals. In FY2025 there were 7.
21 lenders had approvals here; the most active were BancFirst (15), Arvest Bank (8) and Regent Bank (5). The most common industry was building equipment contractors.
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 Wagoner County
By number of approvals to businesses in the county, FY2021–FY2025; 21 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | BancFirstOklahoma City, OK | 15 | $7.3M | 26.8% | |
| 2 | Arvest BankFayetteville, AR | 8 | $347K | 14.3% | |
| 3 | Regent BankTulsa, OK | 5 | $1.6M | 8.9% | |
| 4 | The Huntington National BankColumbus, OH | 3 | $1.3M | 5.4% | |
| 5 | First Bank of the LakeOsage Beach, MO | 3 | $1.2M | 5.4% | |
| 6 | Security BankTulsa, OK | 2 | — | 3.6% | |
| 7 | AVB BankBroken Arrow, OK | 2 | — | 3.6% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 2 | — | 3.6% | |
| 9 | The First National Bank and Trust Company of Broken ArrowBroken Arrow, OK | 2 | — | 3.6% | |
| 10 | SpiritBankTulsa, OK | 2 | — | 3.6% | |
| 11 | Welch State Bank of Welch, OklaWelch, OK | 2 | — | 3.6% | |
| 12 | Genisys CUAuburn Hills, MI | 1 | — | 1.8% | |
| 13 | Peoples Bank and Trust CompanyEdmond, OK | 1 | — | 1.8% | |
| 14 | Triad Bank, National AssociationTulsa, OK | 1 | — | 1.8% | |
| 15 | Rural Enterprises of Oklahoma, Inc.Durant, OK · CDC | 1 | — | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Building Equipment ContractorsNAICS 2382 | 6 | 10.7% | |
| 2 | Other Personal ServicesNAICS 8129 | 6 | 10.7% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 6 | 10.7% | |
| 4 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 4 | 7.1% | |
| 5 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 3.6% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 3.6% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 2 | 3.6% | |
| 8 | Support Activities for MiningNAICS 2131 | 2 | 3.6% | |
| 9 | Support Activities for Road TransportationNAICS 4884 | 2 | 3.6% | |
| 10 | Other Miscellaneous Store RetailersNAICS 4539 | 2 | 3.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 14 | 25.0% | |
| 2 | Other Services (except Public Administration) | 10 | 17.9% | |
| 3 | Accommodation and Food Services | 9 | 16.1% | |
| 4 | Retail Trade | 5 | 8.9% | |
| 5 | Manufacturing | 4 | 7.1% | |
| 6 | Wholesale Trade | 3 | 5.4% | |
| 7 | Transportation and Warehousing | 3 | 5.4% | |
| 8 | Professional, Scientific, and Technical Services | 2 | 3.6% |
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* | 2 | — | — | 0 | — | 2 | 8 |
| FY2025 | 7 | $1.6M | $250K | 0 | — | 7 | 93 |
| FY2024 | 6 | $2.0M | $250K | 0 | — | 6 | 28 |
| FY2023 | 13 | $4.5M | $207K | 1 | — | 14 | 154 |
| FY2022 | 18 | $7.3M | $214K | 0 | — | 18 | 185 |
| FY2021 | 11 | $4.4M | $302K | 0 | — | 11 | 145 |
| FY2020 | 8 | $1.7M | $138K | 0 | — | 8 | 52 |
| FY2019 | 16 | $6.0M | $290K | 0 | — | 16 | 196 |
| FY2018 | 8 | $1.9M | $141K | 0 | — | 8 | 49 |
| FY2017 | 12 | $1.5M | $73K | 0 | — | 12 | 107 |
| FY2016 | 9 | $2.0M | $99K | 1 | — | 10 | 68 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 54 approvals.
Against Oklahoma and the country
| FY2021–FY2025 | Wagoner County | Oklahoma | United States |
|---|---|---|---|
| Approvals | 56 | 2,802 | 342,825 |
| Approvals per 1,000 establishments | 49.6 | 29.1 | 41.0 |
| Median 7(a) approval | $250K | $250K | $190K |
| Median 504 approval | — | $569K | $657K |
| Average approval | $362K | $611K | $573K |
| 504 share of approvals | 1.8% | 7.4% | 11.0% |
| Jobs supported per approval, as reported | 10.8 | 12.2 | 10.5 |
| Share of state approvals | 2.0% | 100.0% | — |
Approval sizes
- $50,000 or less19.6%11
- $50,001 to $150,00019.6%11
- $150,001 to $350,00023.2%13
- $350,001 to $1 million32.1%18
- $1 million to $2 million5.4%3
Age of the businesses
- Existing, more than 2 years old44.6%25
- New business, 2 years or less19.6%11
- Startup, loan funds will open the business32.1%18
- Change of ownership3.6%2
Questions and answers
Which lenders make the most SBA loans in Wagoner County?
By approvals in FY2021 to FY2025: BancFirst (15), Arvest Bank (8), Regent Bank (5), The Huntington National Bank (3), First Bank of the Lake (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Wagoner County?
The median 7(a) approval was $250K; the Oklahoma 7(a) median was $250K.
Which industries get the most SBA loans in Wagoner County?
Building Equipment Contractors (6); Other Personal Services (6); Restaurants and Other Eating Places (6); Foundation, Structure, and Building Exterior Contractors (4); Other Professional, Scientific, and Technical Services (2).
Is SBA lending in Wagoner County rising?
Approvals in the three latest complete fiscal years total 27, against 37 in the three before: falling (-27%).
How does Wagoner County compare with the rest of Oklahoma?
49.6 approvals per 1,000 establishments against 29.1 statewide, and 56 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