SBA 7(a) lenders in Ray, MO
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
14 institutions have SBA 7(a) loans on record in Ray, together $15.1M across 26 loans. OakStar Bank is the largest, with 25% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | OakStar Bank | 4 | $3.8M | 25.4% | 0.00% |
| 2 | Live Oak Banking Company | 3 | $3.8M | 25.0% | 0.00% |
| 3 | Nicolet National Bank | 2 | $2.7M | 17.5% | 0.00% |
| 4 | GBank | 1 | $1.9M | 12.5% | 0.00% |
| 5 | U.S. Bank, National Association | 7 | $1.7M | 10.9% | 0.00% |
| 6 | Wells Fargo Bank National Association | 1 | $529K | 3.5% | 0.00% |
| 7 | Bank of Jackson Hole Trust | 1 | $231K | 1.5% | 0.00% |
| 8 | OMB Bank | 1 | $207K | 1.4% | 0.00% |
| 9 | Lawson Bank | 1 | $100K | 0.7% | 0.00% |
| 10 | Goppert Financial Bank | 1 | $90K | 0.6% | 0.00% |
| 11 | The Central Trust Bank | 1 | $71K | 0.5% | 0.00% |
| 12 | HNB National Bank | 1 | $50K | 0.3% | 0.00% |
| 13 | The Bank of Missouri | 1 | $28K | 0.2% | 0.00% |
| 14 | VelocitySBA, LLC | 1 | $10K | 0.1% | 0.00% |
Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.
What the money went into
| Rank | Industry | Loans | Approved | Share of county |
|---|---|---|---|---|
| 1 | Retail trade | 7 | $4.9M | 32.5% |
| 2 | Accommodation & food services | 4 | $3.4M | 22.5% |
| 3 | Professional & technical services | 1 | $1.9M | 12.6% |
| 4 | Retail trade | 2 | $1.8M | 11.9% |
| 5 | Other services | 1 | $1.7M | 11.3% |
| 6 | Construction | 5 | $662K | 4.4% |
| 7 | Health care & social assistance | 3 | $261K | 1.7% |
| 8 | Administrative & waste services | 1 | $231K | 1.5% |
| 9 | Real estate & leasing | 1 | $207K | 1.4% |
| 10 | Information | 1 | $28K | 0.2% |
Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.
About this data
Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.