SBA lender · 7(a) program
Bank of Oak Ridge
Bank of Oak Ridge has approved 219 SBA loans worth $206.7M since FY2010 - the #357 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#357
0.04% of all SBA dollars
Total approved
$206.7M
FY2010 onward
Loans
219
Median loan
$557,000
+209% vs national
Median rate
9.45%
+2.70 pts vs national
Charge-off rate
-
Cohort too small
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What Bank of Oak Ridge’s numbers say
Bank of Oak Ridge sits in the long tail of the SBA lending field, having approved 219 loans for a gross total of $206.7M since fiscal 2010. Its median loan of $557,000 is substantially larger than the $180,000 national median, which usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 9.45%, 2.70 points above the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Roughly 39% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally - a meaningfully greater appetite for startups than the average SBA lender.
Where Bank of Oak Ridge lends
| State | Loans | Share |
|---|---|---|
| North Carolina | 163 | |
| South Carolina | 25 | |
| Virginia | 17 | |
| Georgia | 7 | |
| Florida | 3 | |
| Maryland | 2 | |
| Kentucky | 1 | |
| Alabama | 1 |
What it lends against
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Questions about Bank of Oak Ridge
- How many SBA loans has Bank of Oak Ridge approved?
- Bank of Oak Ridge has approved 219 SBA loans totalling $206,656,600 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #357 among all SBA lenders by dollars approved.
- What is the typical Bank of Oak Ridge SBA loan size?
- The median gross approval is $557,000, with the middle 80% of loans falling between $150,000 and $2,485,500. The national median across all SBA lenders is $180,000.
- What interest rate does Bank of Oak Ridge charge on SBA 7(a) loans?
- The median initial note rate on Bank of Oak Ridge's 7(a) approvals is 9.45%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
Where to go from here
We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.