MidFirst Bank: SBA Lending Record
What SBA's own loan files show about MidFirst Bank as an SBA lender, and how a lender's record bears on a feasibility study.
MidFirst Bank: the SBA record
482 approved loans tie to MidFirst Bank in SBA's files, FY2017 to FY2026: $488.0 million gross. SBA records MidFirst Bank in Oklahoma. All 482 loans are holdings: MidFirst Bank holds or last held each, per SBA. 482 loans belong to SBA 7(a). MidFirst Bank has 0 in SBA 504. MidFirst Bank's FY2026 is a complete fiscal year. 482 loans, $488.0 million gross: that is MidFirst Bank's whole record. SBA, not MidFirst Bank, stands behind the 482 loans; the figures show holdings, not policy.
369 loans among MidFirst Bank's 482 carry no named class. MidFirst Bank lists these classes: Medical office (physicians) at 15; Dental office, 14; Automotive mechanical repair (car and truck) (14); Limited-service restaurant at 12; School (elementary and secondary, including charter) at 11; Full-service restaurant, 10; Gas station and truck stop, 8; Child care center, 7. Of 482 loans, 369 are unclassed and 15 are Medical office (physicians). MidFirst Bank's class lines cover part of 482. 14 Dental office loans trail 15 Medical office (physicians) at MidFirst Bank.
MidFirst Bank: where the loans sit
MidFirst Bank's state table reads: Arizona at 230; Oklahoma, 93; Texas at 75; Colorado, 30; California, 26; Utah (14); Nevada at 8. Oklahoma, where SBA records MidFirst Bank, is not the first line. 230 of MidFirst Bank's 482 loans sit in Arizona. MidFirst Bank's table maps 482 loans, no boundary for sites beyond Arizona.
MidFirst Bank: the floors
FY2017 to FY2024 approvals: 4.2% cancelled after approval, a floor. Ceiling 4.2%: the same as the floor. Floor 6.3%: charged off to date among 256 loans disbursed in FY2017 to FY2021. 3.1% at the five-year mark. MidFirst Bank's 4.2% floor means approval is not funding. 256 loans, 6.3% charged off: cash must keep flowing. For MidFirst Bank, test one is site demand. At MidFirst Bank, test two is full project cost. At MidFirst Bank, test three is debt service coverage. At MidFirst Bank, test four is the appraisal.
MidFirst Bank's book gives a lender $488.0 million gross across 482 loans. MidFirst Bank's file hands a borrower 482 holdings and no terms. Nothing in MidFirst Bank's 482 loans predicts its answer to a request. 15 Medical office (physicians) loans sit at the top. MidFirst Bank's holdings are the extent of it. For MidFirst Bank, bring a self-standing study. The record stops at 482 loans held by MidFirst Bank.
SBA loans held by MidFirst Bank
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 482 |
|---|---|
| Gross dollars approved | $488.0 million |
| SBA 7(a) loans | 482 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 4.2% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 4.2% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 6.3% |
| Charged off within five years of approval | 3.1% |
| Loans in that cohort | 256 |
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.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 369 |
| Medical office (physicians) | 15 |
| Dental office | 14 |
| Automotive mechanical repair (car and truck) | 14 |
| Limited-service restaurant | 12 |
| School (elementary and secondary, including charter) | 11 |
| Full-service restaurant | 10 |
| Gas station and truck stop | 8 |
| Child care center | 7 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
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; Loan Analytics lender cell LP-fdic-4063.
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