SBA Ledger

States › Oklahoma

State0.8% of US approvals227 lenders active

SBA loans in Oklahoma

7(a) and 504 approvals by fiscal year, the lenders behind them, and where in the state they went. Pick a fiscal year for that year's lenders and counties.

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 received 2,802 SBA loan approvals worth $1.71bn in FY2021 to FY2025, 2,594 of them 7(a) loans and 208 504 loans.

That is 29.1 approvals for every 1,000 business establishments in the state, against 41.0 nationally, and 0.8% of all approvals in the country (30th of 54 states and territories).

In FY2025 there were 545 approvals totalling $344M, up 9% on FY2024. The median 7(a) approval over the five years was $250K and the median 504 approval $569K.

227 lenders had at least one approval in the state; by number of 7(a) approvals the most active were BancFirst (547), Arvest Bank (176) and The Huntington National Bank (85).

Of 7(a) loans approved in FY2010 to FY2021 and disbursed, SBA records 6.7% as charged off, against 6.6% nationally.

545approvals, FY20252,802 in FY2021–FY2025
$344Mapproved, FY2025$1.71bn in FY2021–FY2025
29.1approvals per 1,000 establishments, FY2021–FY2025US: 41.0
$250Kmedian 7(a) approvalUS: $190K
6.7%7(a) loans approved FY2010–FY2021 charged offUS: 6.6%

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.

Most active 7(a) lenders in Oklahoma

Ranked by number of approvals to businesses in the state, FY2021–FY2025. The column of bars shows each lender's approvals here in every fiscal year; the charged-off column is the lender's nationwide figure.

#LenderApprovals in OK, FY2021–25DollarsShareMedian approval, all statesFY2016–26Charged off, FY2010–21 loans
1BancFirstOklahoma City, OK547$217M21.1%$198K4.2%
2Arvest BankFayetteville, AR176$52.8M6.8%$100K4.9%
3The Huntington National BankColumbus, OH85$37.7M3.3%$92K5.7%
4Live Oak Banking CompanyWilmington, NC80$127M3.1%$850K2.2%
5Northeast BankLewiston, ME72$13.0M2.8%$106K12.8%
6First Oklahoma BankJenks, OK71$75.2M2.7%$572K8.9%
7Great Plains National BankElk City, OK64$20.6M2.5%$271K1.6%
8Legacy BankHinton, OK63$7.2M2.4%$82K6.4%
9Security BankTulsa, OK60$47.1M2.3%$446K13.4%
10Newtek Bank, National AssociationMiami, FL56$38.0M2.2%$225K—
11Readycap Lending, LLCBerkeley Heights, NJ55$29.0M2.1%$138K4.3%
12Regent BankTulsa, OK54$28.3M2.1%$325K6.8%
13BayFirst National BankSaint Petersburg, FL49$8.5M1.9%$150K19.2%
14First United Bank and Trust CompanyDurant, OK46$31.0M1.8%$546K3.6%
15United Midwest Savings Bank National AssociationDe Graff, OH33$7.1M1.3%$150K15.9%
16SpiritBankTulsa, OK32$32.2M1.2%$285K8.5%
17BOKF, National AssociationTulsa, OK32$18.3M1.2%$523K3.0%
18First Pryority BankPryor, OK31$18.8M1.2%$350K6.8%
19Celtic Bank CorporationSalt Lake City, UT29$34.6M1.1%$150K17.0%
20Newtek Small Business Finance, Inc.Lake Success, NY28$17.1M1.1%$300K6.8%
21Mabrey BankBixby, OK27$13.8M1.0%$255K2.7%
22Triad Bank, National AssociationTulsa, OK26$7.2M1.0%$253K11.7%
23Equity BankAndover, KS24$9.4M0.9%$272K1.7%
24Bank7Oklahoma City, OK24$6.6M0.9%$279K2.2%
25JPMorgan Chase Bank, National AssociationColumbus, OH24$4.2M0.9%$200K7.4%
26First Security Bank and Trust CompanyOklahoma City, OK22$12.9M0.8%$313K—
27MidFirst BankOklahoma City, OK22$8.9M0.8%$940K4.4%
28Valliance BankOklahoma City, OK21$8.7M0.8%$225K2.7%
29Byline BankChicago, IL17$25.6M0.7%$806K9.5%
30Armstrong BankMuskogee, OK17$9.7M0.7%$290K6.5%
31FandM BankEdmond, OK17$7.6M0.7%$175K—
32Simmons BankPine Bluff, AR17$6.2M0.7%$348K10.6%
33Welch State Bank of Welch, OklaWelch, OK16$6.5M0.6%$102K—
34Metro City BankDoraville, GA15$22.1M0.6%$1.3M2.1%
35First Bank of the LakeOsage Beach, MO15$6.7M0.6%$350K2.7%
36First National Bank & Trust Company of McAlesterMcAlester, OK15$4.1M0.6%$260K—
37First Bank of OwassoOwasso, OK15$2.5M0.6%$120K3.6%
38Bank of America, National AssociationCharlotte, NC14$8.0M0.5%$300K2.6%
39Peoples Bank and Trust CompanyEdmond, OK12$19.6M0.5%$689K6.6%
40First Financial BankEl Dorado, AR12$15.4M0.5%$925K4.3%

504 certified development companies

#LenderApprovals in OK, FY2021–25DollarsShareMedian approval, all statesFY2016–26Charged off, FY2010–21 loans
1Rural Enterprises of Oklahoma, Inc.Durant, OK · 504 CDC115$102M55.3%$614K2.8%
2Small Business Capital CorporationTulsa, OK · 504 CDC45$28.8M21.6%$525K0.0%
3Tulsa Economic Development CorporationTulsa, OK · 504 CDC36$29.5M17.3%$569K2.9%
4Metro Area Development CorporationOklahoma City, OK · 504 CDC10$17.1M4.8%$951K7.8%
5Frontier Financial Partners, Inc.Emporia, KS · 504 CDC1—0.5%$666K4.9%
6WBD, Inc.Madison, WI · 504 CDC1—0.5%$616K1.2%

Fiscal-year ledger

Fiscal year7(a) approvals7(a) dollarsMedian 7(a)504 approvals504 dollarsAll approvalsJobs supported, as reported
FY2026*314$219M$318K14$13.0M3283,776
FY2025510$306M$250K35$37.4M5457,644
FY2024478$315M$250K23$20.4M5016,050
FY2023461$238M$244K35$33.6M4966,236
FY2022555$290M$235K52$48.8M6076,768
FY2021590$383M$300K63$40.3M6537,559
FY2020507$254M$212K30$15.6M5376,570
FY2019492$211M$167K36$28.5M5285,944
FY2018504$248M$194K30$20.6M5345,736
FY2017559$248M$153K24$18.1M5837,521
FY2016532$242M$161K30$15.1M5625,780

7(a) approvals504 approvals

919293949596979899000102030405060708091011121314151617181920212223242526
SBA approvals in Oklahoma by fiscal year, FY1991 to FY2026.

Counties

Approvals in FY2021–FY2025 set against the Census Bureau's count of business establishments. Counties with at least 30 approvals have their own page.

#CountyApprovalsDollarsEstablishmentsPer 1,000 establishmentsBy fiscal year
1Oklahoma County743$432M24,87729.9
2Tulsa County654$433M19,55633.4
3Cleveland County198$93.6M6,16932.1
4Canadian County128$66.9M3,08541.5
5Wagoner County56$20.3M1,12849.6
6Creek County51$41.1M1,41636.0
7Rogers County49$26.4M1,95325.1
8Stephens County43$15.2M1,08039.8
9Muskogee County41$31.3M1,33430.7
10Washington County41$17.0M1,16035.3
11Comanche County41$18.9M2,13319.2
12Pittsburg County38$15.3M93340.7
13McClain County38$29.4M95839.7
14Grady County37$22.6M1,18331.3
15Garfield County36$29.0M1,53223.5
16Payne County35$17.0M1,82619.2
17Logan County33$12.5M97034.0
18Pottawatomie County30$15.9M1,25323.9
19Custer County30$16.0M94531.7
20Carter County29$36.4M1,57518.4
21Pontotoc County27$25.2M96927.9
22Delaware County26$32.9M82531.5
23Beckham County24$16.8M69034.8
24Okmulgee County24$15.4M64137.4
25Mayes County21$22.4M83325.2
26Kay County18$14.4M1,04717.2
27Pawnee County16$9.9M26360.8
28Kingfisher County16$8.0M48832.8
29Cherokee County15$12.1M76719.6
30Seminole County15$9.1M42535.3
31Ottawa County15$12.7M54827.4
32Osage County14$7.2M60823.0
33Le Flore County13$13.0M79816.3
34Caddo County12$2.1M42128.5
35Garvin County12$11.3M69717.2
36McIntosh County12$7.4M33336.0
37Washita County11$2.5M20753.1
38Woodward County11$5.3M76114.5
39Beaver County10$3.7M13773.0
40Craig County8$8.8M34023.5
41McCurtain County7$7.3M67710.3
42Marshall County7$3.5M31622.2
43Lincoln County7$2.0M59311.8
44Sequoyah County7$4.5M59511.8
45Hughes County6$2.9M19630.6
46Kiowa County6$3.2M16336.8
47Jackson County5$1.7M5149.7
48Ellis County5$1.2M11244.6
49Pushmataha County5$4.8M19825.3
50Johnston County5$1.8M17129.2
51Nowata County5$564K15332.7
52Blaine County5$3.2M22722.0
53Bryan County5$5.2M9155.5
54Choctaw County5$4.0M28217.7
55Haskell County5$8.7M22622.1
56Latimer County5$554K15033.3
57Murray County4$1.8M29113.7
58Noble County4$860K19420.6
59Love County4$1.8M16025.0
60Texas County4$4.0M4748.4
61Okfuskee County4$5.0M15925.2
62Grant County4$4.4M11534.8
63Harper County3$784K8933.7
64Dewey County2—16712.0
65Atoka County2—2597.7
66Greer County2—6929.0
67Woods County2—2498.0
68Adair County2—2428.3
69Major County2—2368.5
70Roger Mills County2—8224.4

Industries

#Industry group (NAICS 4-digit)ApprovalsDollarsShare
1Restaurants and Other Eating PlacesNAICS 7225263$134M9.4%
2Automotive Repair and MaintenanceNAICS 811197$53.1M3.5%
3Offices of Other Health PractitionersNAICS 621394$33.1M3.4%
4Building Equipment ContractorsNAICS 238286$41.0M3.1%
5General Freight TruckingNAICS 484184$22.8M3.0%
6Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 524275$38.6M2.7%
7Other Personal ServicesNAICS 812972$34.7M2.6%
8Traveler AccommodationNAICS 721171$167M2.5%
9Other Amusement and Recreation IndustriesNAICS 713970$30.7M2.5%
10Child Day Care ServicesNAICS 624468$61.3M2.4%
11Other Specialty Trade ContractorsNAICS 238968$27.1M2.4%
12Services to Buildings and DwellingsNAICS 561768$19.0M2.4%
13Personal Care ServicesNAICS 812162$15.5M2.2%
14Other Professional, Scientific, and Technical ServicesNAICS 541948$35.2M1.7%
15Foundation, Structure, and Building Exterior ContractorsNAICS 238148$23.9M1.7%

Sectors

#NAICS sectorApprovalsShare
1Accommodation and Food Services38313.7%
2Retail Trade36513.0%
3Construction33011.8%
4Health Care and Social Assistance29010.3%
5Other Services (except Public Administration)28010.0%
6Manufacturing2047.3%
7Professional, Scientific, and Technical Services1936.9%
8Transportation and Warehousing1555.5%
9Administrative and Support and Waste Management and Remediation Services1304.6%
10Arts, Entertainment, and Recreation883.1%

Franchise brands

#BrandApprovalsShare
1Simple Simon's Pizza140.5%
2Scooter's Coffee120.4%
3HTeaO100.4%
4Primrose Schools90.3%
5Farmers Insurance Agent Appointment Agreement70.2%
6Ziggi's Coffee50.2%
7Subway50.2%
8Hotworx50.2%
9Firehouse Subs50.2%
10Sugar Llamas50.2%

How earlier loans turned out

Oklahoma, 7(a)6.7%
United States, 7(a)6.6%
Oklahoma, 5043.0%
United States, 5041.2%
Share of disbursed loans approved FY2010–FY2021 that SBA records as charged off, by program.
Loans approved FY2010–FY2021OK 7(a)US 7(a)OK 504US 504
Approvals in these years5,893639,90557485,591
Cancelled or never disbursed64379,31311412,514
Disbursed loans5,250560,59246073,077
Paid in full3,941435,81323835,491
Charged off35436,89114905
Still outstanding (status exempt from disclosure)95587,88820836,681
Charged off, share of disbursed loans6.7%6.6%3.0%1.2%
Dollars charged off, share of disbursed dollars3.6%2.5%3.9%0.9%
Dollars charged off$87.7M$5.70bn$10.8M$499M

Approval sizes

Age of the businesses

Against the country

FY2021–FY2025OklahomaUnited States
Approvals per 1,000 establishments29.141.0
Median 7(a) approval$250K$190K
Median 504 approval$569K$657K
504 share of approvals7.4%11.0%
Jobs supported per approval, as reported12.210.5
Approvals, change on FY2016–FY20202%10%

Questions and answers

Which lenders make the most SBA loans in Oklahoma?

By 7(a) approvals in FY2021 to FY2025: BancFirst (547), Arvest Bank (176), The Huntington National Bank (85), Live Oak Banking Company (80), Northeast Bank (72). For 504 loans: Rural Enterprises of Oklahoma, Inc. (115), Small Business Capital Corporation (45), Tulsa Economic Development Corporation (36). Volume says how active a lender is, nothing about terms or service.

How large are typical SBA loans in Oklahoma?

The median 7(a) approval was $250K and the median 504 approval $569K; the average across both programs was $611K.

Which industries get the most SBA loans in Oklahoma?

Restaurants and Other Eating Places (263); Automotive Repair and Maintenance (97); Offices of Other Health Practitioners (94); Building Equipment Contractors (86); General Freight Trucking (84).

Which Oklahoma counties receive the most SBA loans?

Oklahoma County (743), Tulsa County (654), Cleveland County (198), Canadian County (128), Wagoner County (56), by approvals in FY2021 to FY2025.

Is SBA lending in Oklahoma rising?

Approvals in the three latest complete fiscal years total 1,542, against 1,797 in the three before: falling (-14%).

What share of SBA loans in Oklahoma are charged off?

Of 7(a) loans approved in FY2010 to FY2021 and disbursed, 6.7% are recorded as charged off (national: 6.6%); for 504 loans the figure is 3.0% (national: 1.2%). Newer loans are left out because most have not had time to reach either outcome.

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