Lenders › BOKF, National Association
7(a) lenderTulsa, OklahomaFDIC-insured bank204th of 2,184 by approvals
BOKF, National Association
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
BOKF, National Association (Tulsa, Oklahoma) is an FDIC-insured bank in the SBA 7(a) program, 204th of 2,184 by approvals in FY2021 to FY2025: 188 loans worth $160M.
In FY2025, the latest complete fiscal year, it had 23 approvals totalling $20.5M, about level with FY2024 (22). FY2026 to 30 Jun 2026 adds 9 more.
The median approval was $523K, against $190K for the 7(a) program as a whole; 16.0% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 10 states and territories and 33 counties, led by Colorado (38.3%), Arizona (19.7%) and Oklahoma (17.0%). The largest industry group was construction at 16.0% of approvals, and 1.6% of approvals were to franchise businesses.
Of 840 disbursed loans approved in FY2010 to FY2021, SBA records 25 as charged off (3.0%), 744 as paid in full and 71 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 9 | $6.4M | $447K | $708K | 61 |
| FY2025 | 23 | $20.5M | $500K | $890K | 358 |
| FY2024 | 22 | $14.6M | $603K | $664K | 139 |
| FY2023 | 39 | $26.9M | $391K | $689K | 711 |
| FY2022 | 20 | $18.2M | $694K | $911K | 450 |
| FY2021 | 84 | $79.4M | $750K | $946K | 1,681 |
| FY2020 | 28 | $22.1M | $349K | $790K | 404 |
| FY2019 | 22 | $9.5M | $317K | $431K | 974 |
| FY2018 | 88 | $49.0M | $250K | $557K | 2,342 |
| FY2017 | 99 | $42.3M | $195K | $427K | 2,793 |
| FY2016 | 149 | $48.6M | $150K | $326K | 2,045 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 386 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Colorado | 7(a) program |
|---|---|---|---|
| Approvals in these years | 961 | 15,975 | 639,905 |
| Cancelled or never disbursed | 121 | 1,999 | 79,313 |
| Disbursed loans | 840 | 13,976 | 560,592 |
| Paid in full | 744 | 10,957 | 435,813 |
| Charged off | 25 | 792 | 36,891 |
| Still outstanding (status exempt from disclosure) | 71 | 2,227 | 87,888 |
| Charged off, share of disbursed loans | 3.0% | 5.7% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.1% | 1.8% | 2.5% |
| Dollars charged off | $4.7M | $120M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 69 | 26 | 0 | 0.0% | 2.8% |
| FY2020 | 25 | 18 | 0 | — | 4.0% |
| FY2019 | 19 | 17 | 0 | — | 6.7% |
| FY2018 | 80 | 73 | 1 | 1.3% | 7.9% |
| FY2017 | 91 | 87 | 2 | 2.2% | 7.7% |
| FY2016 | 132 | 117 | 7 | 5.3% | 7.2% |
| FY2015 | 127 | 121 | 6 | 4.7% | 6.9% |
| FY2014 | 112 | 107 | 3 | 2.7% | 6.4% |
| FY2013 | 56 | 55 | 0 | 0.0% | 6.0% |
| FY2012 | 24 | 23 | 1 | — | 6.3% |
| FY2011 | 68 | 65 | 3 | 4.4% | 6.9% |
| FY2010 | 37 | 35 | 2 | 5.4% | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $523K | $190K |
| Average approval | $849K | $518K |
| Approvals of $150,000 or less | 16.0% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 26.1% | 34.3% |
| Approvals to franchise businesses | 1.6% | 11.5% |
| Jobs supported per approval, as reported | 17.8 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 3.0% | 6.6% |
States served
| # | State of the business (10 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Colorado | 72 | $67.8M | 38.3% | |
| 2 | Arizona | 37 | $26.0M | 19.7% | |
| 3 | Oklahoma | 32 | $18.3M | 17.0% | |
| 4 | Texas | 30 | $33.8M | 16.0% | |
| 5 | New Mexico | 6 | $7.2M | 3.2% | |
| 6 | Ohio | 4 | $3.6M | 2.1% | |
| 7 | Kansas | 4 | $1.7M | 2.1% | |
| 8 | Tennessee | 1 | — | 0.5% | |
| 9 | North Carolina | 1 | — | 0.5% | |
| 10 | Missouri | 1 | — | 0.5% |
In Colorado the lender accounts for 0.9% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (33 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Maricopa County, AZ | 35 | $25.6M | 18.6% | |
| 2 | Arapahoe County, CO | 16 | $16.4M | 8.5% | |
| 3 | Denver County, CO | 15 | $13.5M | 8.0% | |
| 4 | Tulsa County, OK | 15 | $8.5M | 8.0% | |
| 5 | Jefferson County, CO | 13 | $15.0M | 6.9% | |
| 6 | Adams County, CO | 12 | $12.6M | 6.4% | |
| 7 | Oklahoma County, OK | 12 | $5.9M | 6.4% | |
| 8 | Tarrant County, TX | 11 | $9.5M | 5.9% | |
| 9 | Boulder County, CO | 10 | $6.1M | 5.3% | |
| 10 | Harris County, TX | 8 | $10.5M | 4.3% | |
| 11 | Dallas County, TX | 5 | $9.2M | 2.7% | |
| 12 | Bernalillo County, NM | 4 | $5.8M | 2.1% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 30 | 16.0% | |
| 2 | Professional, Scientific, and Technical Services | 29 | 15.4% | |
| 3 | Manufacturing | 24 | 12.8% | |
| 4 | Health Care and Social Assistance | 20 | 10.6% | |
| 5 | Wholesale Trade | 19 | 10.1% | |
| 6 | Real Estate and Rental and Leasing | 14 | 7.4% | |
| 7 | Retail Trade | 10 | 5.3% | |
| 8 | Other Services (except Public Administration) | 9 | 4.8% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Building Equipment ContractorsNAICS 2382 | 12 | 6.4% | |
| 2 | Architectural, Engineering, and Related ServicesNAICS 5413 | 11 | 5.9% | |
| 3 | Lessors of Real EstateNAICS 5311 | 7 | 3.7% | |
| 4 | Computer Systems Design and Related ServicesNAICS 5415 | 7 | 3.7% | |
| 5 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 3.7% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 5 | 2.7% | |
| 7 | Offices of PhysiciansNAICS 6211 | 5 | 2.7% | |
| 8 | Other Personal ServicesNAICS 8129 | 5 | 2.7% | |
| 9 | Sporting Goods, Hobby, and Musical Instrument StoresNAICS 4511 | 4 | 2.1% | |
| 10 | Architectural and Structural Metals ManufacturingNAICS 3323 | 4 | 2.1% |
Approval sizes
- $50,000 or less5.9%11
- $50,001 to $150,00010.1%19
- $150,001 to $350,00017.6%33
- $350,001 to $1 million36.2%68
- $1 million to $2 million19.7%37
- Over $2 million10.6%20
Loan terms
- 5 years or less3.7%7
- Over 5 to 10 years61.7%116
- Over 10 to 20 years8.0%15
- Over 20 years26.6%50
Age of the businesses
- Existing, more than 2 years old59.6%112
- New business, 2 years or less21.3%40
- Startup, loan funds will open the business4.8%9
- Change of ownership14.4%27
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 112 | 59.6% | |
| 2 | SBA Express Program | 72 | 38.3% | |
| 3 | Working Capital CAPLine | 2 | 1.1% | |
| 4 | 7a General | 1 | 0.5% | |
| 5 | Contract CAPLine | 1 | 0.5% |
Franchise share
3 of 188 approvals in FY2021–FY2025 (1.6%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | The Goddard School | 2 | 1.1% | |
| 2 | Squeeze | 1 | 0.5% |
Questions and answers
How many SBA loans does BOKF, National Association make?
SBA approved 23 7(a) loans through BOKF, National Association in FY2025, worth $20.5M, and 188 over FY2021 to FY2025. That ranks 204th of 2,184 active 7(a) lenders by number of approvals.
How large are BOKF, National Association's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $523K and the average $849K. The program-wide median was $190K.
What is BOKF, National Association's charge-off rate?
Of 840 disbursed loans approved in FY2010 to FY2021, SBA records 25 as charged off (3.0%), 744 as paid in full and 71 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does BOKF, National Association lend to most?
By number of approvals in FY2021 to FY2025: building equipment contractors (12); architectural, engineering, and related services (11); lessors of real estate (7); computer systems design and related services (7).
Where does BOKF, National Association make SBA loans?
In 10 states and territories. Colorado 72, Arizona 37, Oklahoma 32, Texas 30, New Mexico 6. In Colorado it accounts for 0.9% of all 7(a) approvals.
Is BOKF, National Association's SBA lending rising?
Approvals in the three latest complete fiscal years total 84, against 132 in the three before: falling (-36%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error