Local lending data
Who lends to businesses in Douglas County?
374 SBA 7(a) loans went to businesses in Douglas County recently, at a median of $200,000. The lenders that made them, ranked, with local rates and startup share.
374 SBA 7(a) loans went to businesses in Douglas County in the most recent fiscal years, at a median of $200,000. The most active lender was Union Bank and Trust Company, with 54 loans.
SBA lending in Douglas 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 | Douglas County | Nebraska | National |
|---|---|---|---|
| Loans approved | 374 | 1,077 | 214,102 |
| Median loan | $200,000 | $180,000 | $150,000 |
| 25th - 75th percentile | $84,000 - $500,000 | $71,300 - $450,000 | $50,000 - $500,000 |
| Median term | 10 years | 10 years | 10 years |
| Median initial rate | 9.00% | 8.75% | 10.25% |
| Share to startups | 45.7% | 41.3% | 33.6% |
| Charge-off rate, FY2010-19 | 8.3% | 6.2% | 7.1% |
| Jobs supported | 3,765 | 10,841 | 2,142,602 |
Which lenders actually funded them
Ranked by loans approved to businesses in Douglas 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 |
|---|---|---|---|---|
| Union Bank and Trust Company | 54 | $300,000 | 54% | 8.25% |
| U.S. Bank | 37 | $26,000 | 46% | 9.99% |
| The Huntington National Bank | 32 | $195,000 | 56% | 10.38% |
| Emprise Bank | 26 | $412,100 | 38% | 7.64% |
| Associated Bank | 23 | $200,000 | 56% | 9.50% |
| Wells Fargo Bank | 20 | $269,200 | 75% | 9.09% |
| First National Bank of Omaha | 15 | $184,200 | 33% | 7.77% |
| Readycap Lending, LLC | 14 | $95,500 | 21% | 13.62% |
| Arbor Bank | 10 | $136,750 | 70% | 7.88% |
| Northeast Bank | 10 | $193,000 | 10% | 10.38% |
What stands out here
Reading these figures against the national picture:
- Loans here run larger than average. The median of $200,000 is 33% 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.
- New businesses do well here. 46% of these loans went to startups or businesses under two years old, against 34% nationally — an unusually open market if you have no trading history.
- No single lender dominates, but the top three made 33% of these loans, so the shortlist below covers most of the active market.
- Rates run lower here. The median initial rate of 9.00% is 1.25 points below the 10.25% national median, which usually tracks loan size and perceived sector risk rather than geography.
Who borrows in Douglas County
The mix of industries taking SBA loans here, led by construction.
| Sector | Loans | Share |
|---|---|---|
| Construction | 64 | 17.1% |
| Healthcare | 52 | 13.9% |
| Admin Services | 37 | 9.9% |
| Restaurants and Hotels | 35 | 9.4% |
| Personal Services | 35 | 9.4% |
| Professional Services | 32 | 8.6% |
| Retail | 30 | 8.0% |
| Wholesale | 25 | 6.7% |
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 Nebraska.
Other counties in Nebraska
- Nearby markets with published data: Lancaster County, Sarpy County