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County10th of 70 in Oklahoma by approvalsFIPS 40147
SBA loans in Washington 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 Washington County, Oklahoma, received 41 SBA loan approvals worth $17.0M in FY2021 to FY2025 (37 7(a), 4 504).
That is 35.3 approvals per 1,000 business establishments (1,160 establishments in 2023), above the Oklahoma figure of 29.1 and close to the national 41.0.
It ranks 10th of 70 Oklahoma counties with approvals. In FY2025 there were 5.
16 lenders had approvals here; the most active were BancFirst (9), Regent Bank (7) and Arvest Bank (5). The most common industry was offices of other health practitioners.
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 Washington County
By number of approvals to businesses in the county, FY2021–FY2025; 16 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | BancFirstOklahoma City, OK | 9 | $2.3M | 22.0% | |
| 2 | Regent BankTulsa, OK | 7 | $2.4M | 17.1% | |
| 3 | Arvest BankFayetteville, AR | 5 | $2.8M | 12.2% | |
| 4 | Welch State Bank of Welch, OklaWelch, OK | 3 | $80K | 7.3% | |
| 5 | Armstrong BankMuskogee, OK | 2 | — | 4.9% | |
| 6 | Equity BankAndover, KS | 2 | — | 4.9% | |
| 7 | Rural Enterprises of Oklahoma, Inc.Durant, OK · CDC | 2 | — | 4.9% | |
| 8 | Security BankTulsa, OK | 2 | — | 4.9% | |
| 9 | Small Business Capital CorporationTulsa, OK · CDC | 2 | — | 4.9% | |
| 10 | BOKF, National AssociationTulsa, OK | 1 | — | 2.4% | |
| 11 | GBankLas Vegas, NV | 1 | — | 2.4% | |
| 12 | Mabrey BankBixby, OK | 1 | — | 2.4% | |
| 13 | The Huntington National BankColumbus, OH | 1 | — | 2.4% | |
| 14 | Northeast BankLewiston, ME | 1 | — | 2.4% | |
| 15 | U.S. Bank, National AssociationCincinnati, OH | 1 | — | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Offices of Other Health PractitionersNAICS 6213 | 3 | 7.3% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 7.3% | |
| 3 | Traveler AccommodationNAICS 7211 | 2 | 4.9% | |
| 4 | Specialty Food StoresNAICS 4452 | 2 | 4.9% | |
| 5 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 4.9% | |
| 6 | Automotive Equipment Rental and LeasingNAICS 5321 | 2 | 4.9% | |
| 7 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 2 | 4.9% | |
| 8 | Nonmetallic Mineral Mining and QuarryingNAICS 2123 | 1 | 2.4% | |
| 9 | Utility System ConstructionNAICS 2371 | 1 | 2.4% | |
| 10 | Motion Picture and Video IndustriesNAICS 5121 | 1 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 5 | 12.2% | |
| 2 | Construction | 5 | 12.2% | |
| 3 | Health Care and Social Assistance | 5 | 12.2% | |
| 4 | Retail Trade | 5 | 12.2% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 3 | 7.3% | |
| 6 | Other Services (except Public Administration) | 3 | 7.3% | |
| 7 | Wholesale Trade | 3 | 7.3% | |
| 8 | Arts, Entertainment, and Recreation | 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* | 0 | — | — | 0 | — | 0 | 0 |
| FY2025 | 4 | $1.0M | $212K | 1 | — | 5 | 9 |
| FY2024 | 2 | — | — | 0 | — | 2 | 26 |
| FY2023 | 10 | $5.0M | $189K | 1 | — | 11 | 71 |
| FY2022 | 11 | $6.3M | $350K | 0 | — | 11 | 88 |
| FY2021 | 10 | $1.9M | $82K | 2 | — | 12 | 82 |
| FY2020 | 3 | $660K | $230K | 0 | — | 3 | 15 |
| FY2019 | 6 | $801K | $83K | 1 | — | 7 | 37 |
| FY2018 | 5 | $1.3M | $70K | 0 | — | 5 | 56 |
| FY2017 | 8 | $2.0M | $132K | 0 | — | 8 | 106 |
| FY2016 | 12 | $6.7M | $87K | 1 | — | 13 | 66 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 36 approvals.
Against Oklahoma and the country
| FY2021–FY2025 | Washington County | Oklahoma | United States |
|---|---|---|---|
| Approvals | 41 | 2,802 | 342,825 |
| Approvals per 1,000 establishments | 35.3 | 29.1 | 41.0 |
| Median 7(a) approval | $225K | $250K | $190K |
| Median 504 approval | $304K | $569K | $657K |
| Average approval | $415K | $611K | $573K |
| 504 share of approvals | 9.8% | 7.4% | 11.0% |
| Jobs supported per approval, as reported | 6.7 | 12.2 | 10.5 |
| Share of state approvals | 1.5% | 100.0% | — |
Approval sizes
- $50,000 or less22.0%9
- $50,001 to $150,00019.5%8
- $150,001 to $350,00022.0%9
- $350,001 to $1 million26.8%11
- $1 million to $2 million7.3%3
- Over $2 million2.4%1
Age of the businesses
- Existing, more than 2 years old48.8%20
- New business, 2 years or less19.5%8
- Startup, loan funds will open the business24.4%10
- Change of ownership7.3%3
Questions and answers
Which lenders make the most SBA loans in Washington County?
By approvals in FY2021 to FY2025: BancFirst (9), Regent Bank (7), Arvest Bank (5), Welch State Bank of Welch, Okla (3), Armstrong Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Washington County?
The median 7(a) approval was $225K and the median 504 approval $304K; the Oklahoma 7(a) median was $250K.
Which industries get the most SBA loans in Washington County?
Offices of Other Health Practitioners (3); Other Specialty Trade Contractors (3); Traveler Accommodation (2); Specialty Food Stores (2); Restaurants and Other Eating Places (2).
Is SBA lending in Washington County rising?
Approvals in the three latest complete fiscal years total 18, against 26 in the three before: falling (-31%).
How does Washington County compare with the rest of Oklahoma?
35.3 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