Best SBA lenders
Best SBA lenders in Oklahoma
The most active SBA lenders in Oklahoma, ranked from every 7(a) and 504 loan in the SBA's public record, FY2010-2026. BancFirst leads with 1,864 loans funded.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026, as of 2026-03-31
Top SBA lenders in Oklahoma
The full Oklahoma ranking, by SBA loans funded since FY2010. Every figure is in-state: each lender's loans, dollars, average loan size, and 7(a) charge-off rate cover its Oklahoma lending only, not its national book. A charge-off rate appears only when a lender has at least 20 funded 7(a) loans in Oklahoma; below that line, and on 504-only lending, it reads “not reported,” never 0%.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | BancFirst | 1,864 | $730.7M | $392K | 2.47% |
| 2 | Arvest Bank | 708 | $198.3M | $280K | 2.26% |
| 3 | Rural Enterprises of Oklahoma, Inc. | 312 | $224.5M | $719K | not reported |
| 4 | First Oklahoma Bank | 287 | $246.5M | $859K | 6.27% |
| 5 | JPMorgan Chase Bank, National Association | 254 | $46.3M | $182K | 5.51% |
| 6 | Security Bank | 251 | $123.4M | $491K | 9.56% |
| 7 | Great Plains National Bank | 183 | $62.8M | $343K | 1.09% |
| 8 | First Pryority Bank | 177 | $76.3M | $431K | 5.65% |
| 9 | Small Business Capital Corporation | 172 | $104.4M | $607K | not reported |
| 10 | Live Oak Banking Company | 168 | $239.9M | $1.4M | 0.60% |
| 11 | MidFirst Bank | 168 | $39.0M | $232K | 6.55% |
| 12 | First United Bank and Trust Company | 164 | $109.7M | $669K | 3.66% |
| 13 | Regent Bank | 147 | $67.5M | $459K | 3.40% |
| 14 | Metro Area Development Corporation | 123 | $91.2M | $741K | not reported |
| 15 | BOKF, National Association | 120 | $34.4M | $287K | 2.50% |
| 16 | Tulsa Economic Development Corporation | 119 | $80.5M | $676K | not reported |
| 17 | Legacy Bank | 115 | $23.6M | $205K | 3.48% |
| 18 | Northeast Bank | 102 | $21.2M | $208K | 1.96% |
| 19 | The Huntington National Bank | 100 | $50.2M | $502K | 1.00% |
| 20 | Celtic Bank Corporation | 96 | $52.3M | $545K | 9.38% |
| 21 | Triad Bank, National Association | 75 | $27.6M | $368K | 4.00% |
| 22 | First Financial Bank | 70 | $51.7M | $738K | 0.00% |
| 23 | First Bank of Owasso | 70 | $13.1M | $188K | 2.86% |
| 24 | BayFirst National Bank | 70 | $12.8M | $182K | 1.43% |
| 25 | SpiritBank | 67 | $55.0M | $822K | 4.48% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
7(a) banks vs 504 lenders (CDCs) in Oklahoma
The two SBA programs have different lenders. A 7(a) loan comes from one bank or credit union; a 504 project pairs a bank with a Certified Development Company (CDC), the nonprofit that funds the SBA-backed portion. The leaders in Oklahoma by each program's loans funded since FY2010:
- 1. BancFirst 1,864 loans
- 2. Arvest Bank 708 loans
- 3. First Oklahoma Bank 287 loans
- 4. JPMorgan Chase Bank, National Association 254 loans
- 5. Security Bank 251 loans
- 1. Rural Enterprises of Oklahoma, Inc. 309 loans
- 2. Small Business Capital Corporation 172 loans
- 3. Metro Area Development Corporation 123 loans
- 4. Tulsa Economic Development Corporation 118 loans
Counts are each program's funded loans in Oklahoma. How the two programs differ: 504 vs 7(a), by the data.
Where SBA lending concentrates in Oklahoma
The 3 industries with the most SBA loans in Oklahoma since FY2010, and the most active lender in each. A lender that leads your industry locally can matter more than the overall #1.
| Industry | Loans | Total funded | Most active lender |
|---|---|---|---|
| Accommodation and Food Services | 1,215 | $796.4M | BancFirst (267 loans) |
| Retail Trade | 1,166 | $524.0M | BancFirst (231 loans) |
| Construction | 955 | $382.2M | BancFirst (253 loans) |
Full industry, city, and yearly breakdowns: SBA lending in Oklahoma.
How this ranking works
- “Most active” means loans funded. The ranking counts every SBA 7(a) and 504 loan funded to Oklahoma businesses in the SBA's public FOIA record, FY2010–2026, as of 2026-03-31. No lender pays to appear or to rank, and activity is not a fit score: the right lender for you depends on your industry, loan size, and timeline.
- The 10-loan line. A lender enters the Oklahoma table only with at least 10 loans funded in-state, so one-off activity never reads as a track record. Industry cells above are held to at least 30 loans.
- Charge-off is 7(a)-only and needs 20+ loans. The SBA reports charge-offs on 7(a) loans, never on 504 loans. We show an in-state rate only when a lender has at least 20 funded 7(a) loans in Oklahoma; anything thinner reads “not reported,” never 0%. It is a charge-off share of funded loans to date, not a lifetime default rate.
- Name collisions are excluded, and counted. The SBA does not normalize lender names across mergers and rebrands, so one name can blend several unrelated institutions. Flagged names are never ranked on this page; each exclusion is disclosed under the table.
The exact calculations and limits: methodology.
Best SBA lenders in Oklahoma: frequently asked questions
Who is the most active SBA lender in Oklahoma?
BancFirst is the most active SBA lender in Oklahoma in the public record, with 1,864 7(a) and 504 loans funded since FY2010 ($730.7M in Oklahoma). The ranking counts loans funded, never who pays us.
Do these lenders only serve Oklahoma?
No. The ranking measures activity in Oklahoma: loans funded to Oklahoma businesses in the SBA's record. Many of these lenders are national or multi-state institutions; the loans, dollars, and charge-off figures shown are their Oklahoma lending only.
What's the difference between a 7(a) lender and a CDC?
A 7(a) lender is a bank or credit union that funds an SBA-guaranteed loan directly. A Certified Development Company (CDC) is a nonprofit that funds the SBA-backed portion of a 504 project alongside a bank. Charge-off is reported only on 7(a) loans, so a 504-only CDC shows "not reported," never 0%.
How many SBA lenders are active in Oklahoma?
96 lenders have funded at least 10 SBA loans in Oklahoma since FY2010 in the public record (as of 2026-03-31). The table above names the 25 most active of them; names that blend several same-named institutions are excluded from rankings.
Mario Bailey. (2026). Best SBA lenders in Oklahoma. SBA Loan Index. https://sbaloanindex.com/best-sba-lenders/in/ok/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
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