MidFirst Bank: SBA Lending Profile
MidFirst Bank is an FDIC-insured bank, headquartered in Oklahoma City, OK. It is active in 8 states, concentrated around AZ, TX, OK. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes MidFirst Bank actually approves
The median SBA approval at MidFirst Bank is $935,000. The middle 80% of its loans fall between $53,980 and $2,841,960. The smallest approval on record since 2020 is $12,900 and the largest is $5,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 70 | $935K | 7% | 25 years |
| 504 first mortgage (third party) | 22 | $785K | n/a | 25 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Offices of Dentists | 13 | 4.3% |
| All Other Specialty Trade Contractors | 13 | 4.3% |
| All Other Professional, Scientific, and Technical Services | 9 | 3% |
| General Automotive Repair | 9 | 3% |
| Offices of Physicians (except Mental Health Specialists) | 8 | 2.7% |
| Landscaping Services | 8 | 2.7% |
| Limited-Service Restaurants | 8 | 2.7% |
| Full-Service Restaurants | 8 | 2.7% |
| Plumbing, Heating, and Air-Conditioning Contractors | 7 | 2.3% |
| Offices of Certified Public Accountants | 7 | 2.3% |
| Insurance Agencies and Brokerages | 6 | 2% |
| Residential Remodelers | 5 | 1.7% |
Conventional small business lending, beyond SBA
SBA loans are a fraction of most banks' small business lending. Under the Community Reinvestment Act, MidFirst Bank reported 1,421 small business loan originations in 2024, totaling $410M, at an average of about $289K per loan across 25 states. 35.9% of those loans went to businesses with under $1M in annual revenue.
Borrower profile
- only 10.8% of its recent SBA loans went to startups, this lender works almost entirely with established businesses.
- Collateral was taken on 99.7% of its recent SBA loans.
- 89.6% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. Conventional small business lending figures from FFIEC CRA disclosure data (2024 activity year); CRA loan counts include business credit card originations at some institutions. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by MidFirst Bank.