Medical Office Feasibility Study in the Tulsa, OK Metro Area

What SBA's own loan files show about medical office (physicians) lending in the Tulsa, OK Metro Area, and what a feasibility study for a project there has to test.

Physician offices in Tulsa

Two ranks place Tulsa: 3 of 39 for medical office (physicians) on Tulsa's own class list, and 40 of 488 for the area itself. From FY2017 through FY2026, 35 loans were approved for $14.5 million. Set beside the national mix, Tulsa yields 1.71x: medical office (physicians) loans take a bigger share there. Nothing in the cell is labelled distinctive.

Every one of the 35 loans is 7(a), and 504 shows no loans at all. The median is $247,500, or 0.72x the national figure for physician offices, and $117,200 marks the lower quartile and $425,000 the upper. The franchise share is 0.00%. An applicant should note that the 7(a) program carries the entire local record. Tulsa: the totals count merely SBA-recorded medical office (physicians) loans, so a study in Tulsa should use them as just one input for medical office (physicians).

The holder and the printed years

Holder of 10 7(a) loans worth $2.4 million: Arvest Bank. These are pictures of holdings, not a rating of the lenders. Rows appear for two years: 5 loans worth $1.7 million in FY2018, and FY2022 at 5 loans and $3.0 million. Loan Analytics does not print Tulsa's both outcome rates given that the Tulsa FY2017 to FY2021 set of loans contains under 30 loans, so in Tulsa Loan Analytics' own rule bites. A withheld rate in Tulsa does not mean none.

For a Tulsa medical office, the work is to estimate patient volume for the specialty, the exam rooms the suite can use, and the months a new practice requires before its schedule is full. The payment test should use a loan near $247,500 and a sluggish-referral case, and a purchased building needs a value of its own apart from the practice. The federal county grouping defines Tulsa; and loans from counties Tulsa fails to match stay excluded from the totals.

Tulsa: how the figures read

A lender can see a class that stands high on the local list, with every loan under one program and no franchise brand, so the precedent set is narrow and uniform. A sponsor should expect a request to be compared with the median and Tulsa's middle band, and should explain any departure from them. The page prints merely two years and no lender beyond one holder, so it cannot show a trend or a spread of institutions.

SBA medical office (physicians) loans in the Tulsa, OK Metro Area

Loans approved, FY2017 to FY202635
Gross dollars approved$14.5 million
Median loan$247,500
Middle half of loans, from$117,200
Middle half of loans, to$425,000
SBA 7(a) loans35
SBA 504 loans0
Franchise share of loans0.00%
Rank among metro and micro areas for medical office (physicians) loans40 of 488
Rank of medical office (physicians) among the classes in this area3 of 39
Location quotient (share of loans against the national share)1.71x
Median loan against the national median for the class0.72x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)not reported: fewer than 30 loans in the cohort
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA medical office (physicians) loans approved in the Tulsa, OK Metro Area, by fiscal year

012345FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026Loans, FY2018: 5Loans, FY2022: 5
Fiscal yearLoansDollars
FY2017withheldwithheld
FY20185$1.7 million
FY2019withheldwithheld
FY2020withheldwithheld
FY2021withheldwithheld
FY20225$3.0 million
FY2023withheldwithheld
FY2024withheldwithheld
FY2025withheldwithheld
FY2026withheldwithheld

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
LenderLoansDollars
Arvest Bank10$2.4 million

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-46140-C32.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a medical office (physicians) project in the Tulsa, OK Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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