Local lending data
Who lends to businesses in Greene County?
319 SBA 7(a) loans went to businesses in Greene County recently, at a median of $250,000. The lenders that made them, ranked, with local rates and startup share.
319 SBA 7(a) loans went to businesses in Greene County in the most recent fiscal years, at a median of $250,000. The most active lender was OakStar Bank, with 83 loans.
SBA lending in Greene County, by the numbers
Every figure here is computed from SBA 7(a) loan-level FOIA data released 2026-06-30 — loans that were actually approved to businesses in this county, not advertised ranges.
| Measure | Greene County | Missouri | National |
|---|---|---|---|
| Loans approved | 319 | 3,361 | 214,102 |
| Median loan | $250,000 | $213,600 | $150,000 |
| 25th - 75th percentile | $100,000 - $643,000 | $82,600 - $580,000 | $50,000 - $500,000 |
| Median term | 10 years | 10 years | 10 years |
| Median initial rate | 10.00% | 9.75% | 10.25% |
| Share to startups | 25.7% | 37.0% | 33.6% |
| Charge-off rate, FY2010-19 | 10.6% | 8.3% | 7.1% |
| Jobs supported | 3,978 | 35,489 | 2,142,602 |
Which lenders actually funded them
Ranked by loans approved to businesses in Greene County. The median, startup share and rate columns describe each lender's own loans in this county, not its national averages.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| OakStar Bank | 83 | $500,000 | 26% | 10.25% |
| Regent Bank | 42 | $331,500 | 21% | 10.00% |
| OMB Bank | 34 | $250,000 | 24% | 10.25% |
| U.S. Bank | 18 | $31,000 | 56% | 9.12% |
| Four States Bank, Inc | 16 | $230,000 | 12% | 9.75% |
| Southern Bank | 12 | $100,000 | 25% | 10.88% |
| Guaranty Bank | 10 | $175,000 | 20% | 9.00% |
| The Bank of Missouri | 10 | $242,450 | 40% | 9.25% |
| Legacy Bank & Trust Company | 9 | $280,000 | 33% | 8.00% |
| Commerce Bank | 9 | $185,000 | 22% | 8.50% |
What stands out here
Reading these figures against the national picture:
- Loans here run larger than average. The median of $250,000 is 67% above the $150,000 national median. Expect lenders in this market to be geared toward bigger deals, and expect a small request to get less attention.
- Startup share is about average, at 26% against 34% nationally.
- One lender dominates. OakStar Bank alone made 26% of these loans, and the top three made 50%. That concentration usually means a lender with a dedicated program for this sector — worth starting there, but get a second quote so you know the terms are competitive.
- Lenders have been burned here before. 10.6% of loans to this market from the FY2010-2019 cohorts were charged off, against 7.1% overall. That history is why underwriting in this sector is tighter than the numbers alone would suggest — it is not personal.
Who borrows in Greene County
The mix of industries taking SBA loans here, led by construction.
| Sector | Loans | Share |
|---|---|---|
| Construction | 52 | 16.3% |
| Retail | 47 | 14.7% |
| Personal Services | 35 | 11.0% |
| Restaurants and Hotels | 33 | 10.3% |
| Manufacturing | 29 | 9.1% |
| Professional Services | 22 | 6.9% |
| Healthcare | 22 | 6.9% |
| Trucking | 18 | 5.6% |
How to use this
- Shortlist three lenders from the table whose median loan in this county is close to what you need. Size match matters more than brand.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year — see choosing an SBA lender.
- Check your coverage first with the affordability calculator, so you ask for a number your cash flow supports.
- Follow your sector link in the table above for lender data specific to your industry across Missouri.
Other counties in Missouri
- Nearby markets with published data: Saint Louis County, Jackson County, Saint Charles County, Boone County, Saint Louis City, Clay County, Jasper County