Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National...

104
Composite Ranking – Small Business Lending in 2012 by County APPENDIX: Small Business Lending Deserts and Oases National Community Reinvestment Coalition Analysis

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Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014 Andrew Williams Jr Email: [email protected] Mobile: +1-424-222-1997 Skype: andrew.williams.jr http://twitter.com/AWilliamsJr http://slideshare.net/andrewwilliamsjr http://xeeme.com/AmbassadorAWJ https://www.facebook.com/FAUBermuda http://www.yatedo.com/andrewwilliamsjr http://www.slideshare.net/andrewwilliamsjr http://www.linkedin.com/in/andrewwilliamsjr http://www.facebook.com/ajactionteam http://www.facebook.com/ambassadorawj http://www.facebook.com/andrewwilliamsjr http://www.facebook.com/AJGombeyBermuda

Transcript of Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National...

Page 1: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Composite Ranking – Small Business Lending in 2012 by CountyAPPEND I X :

Small Business Lending Deserts and OasesNational Community Reinvestment Coalition Analysis

Page 2: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank – Ranking of county by composite index

State – State in which county is located

County – Name of county for which data is provided

Metropolitan Status – Metropolitan Statistical Area (MSA), Metropolitan Division (MD), or Non-metro County

Small Business Lending Ratio – Ratio of loans divided by small businesses

Small Business Lending Index – Percentile for the county for the small business lending ratio; higher percentages mean more access to loans

Smallest Business Lending Ratio – Ratio of loans to small businesses with revenues under $1 million divided by small businesses with revenues under $1 million

Smallest Business Lending Index – Percentile for the county for the smallest business lending ratio; higher percentages mean more access to loans

CDFI Microlending Ratio – Number of Community Development Financial Institution (CDFI) microloans per 10,000 microbusinesses in the county

CDFI Microlending Index – Percentile for the county for the CDFI microlending ratio; higher percentages mean more access to loans

SBA 7(a) Lending Ratio – Number of Small Business Administration (SBA) 7(a) loans per 10,000 small businesses in the county

SBA 7(a) Lending Index – Percentile for the county for SBA 7(a) lending ratio; higher percentages mean more access to loans

Composite Index – Weighted index (see page 48 of text for detailed description); higher numbers (numbers closer to one) mean more access to loans

Quintile –Quintile of county by access to small business loans; in descending order the quintile designations are Top (most access), Second, Third, Fourth, Bottom (least access)

Key

APPEND I X

2

National Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

© 2014 by the National Community Reinvestment Coalition Reproduction of this document is permitted and encouraged, with credit given to the National Community Reinvestment Coalition.

Page 3: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1 WI Waukesha Milwaukee-Waukesha-West Allis, WI MSA 30.66% 99.60% 18.48% 98.60% 1.24 77.60% 52.57 97.80% 0.968 Top

2 NY Wyoming Non-metro 25.65% 98.30% 16.99% 97.90% 3.97 84.00% 51.65 97.70% 0.967 Top

3 WI Ozaukee Milwaukee-Waukesha-West Allis, WI MSA 26.05% 98.50% 16.03% 97.10% 1.26 77.70% 48.80 97.30% 0.957 Top

4 NY Kings New York-White Plains-Wayne, NY-NJ MD 27.05% 98.80% 15.55% 96.60% 105.62 98.80% 16.94 76.80% 0.957 Top

5 WI Washington Milwaukee-Waukesha-West Allis, WI MSA 25.71% 98.30% 15.29% 96.20% 2.10 79.90% 65.24 98.70% 0.957 Top

6 ME Knox Non-metro 25.37% 98.30% 18.61% 98.70% 7.33 88.80% 17.33 77.50% 0.954 Top

7 MT Gallatin Non-metro 25.93% 98.50% 15.09% 96.00% 2.90 82.00% 35.95 94.20% 0.954 Top

8 WI Waupaca Non-metro 23.80% 97.20% 20.56% 99.10% 31.92 96.30% 14.28 71.30% 0.953 Top

9 ND Cass Fargo, ND-MN MSA 28.13% 99.00% 15.44% 96.50% 1.51 78.30% 31.86 92.30% 0.953 Top

10 NJ Bergen New York-White Plains-Wayne, NY-NJ MD 29.55% 99.50% 17.01% 97.90% 1.86 79.40% 18.91 80.30% 0.949 Top

11 WI Lincoln Non-metro 23.00% 96.50% 13.36% 92.90% 127.62 99.20% 31.39 92.00% 0.949 Top

12 MT Yellowstone Billings, MT MSA 22.29% 95.80% 15.76% 96.90% 1.41 78.10% 46.92 97.00% 0.946 Top

13 SD Brown Non-metro 23.26% 96.70% 16.95% 97.80% 29.45 96.10% 14.43 71.50% 0.946 Top

14 WI Door Non-metro 23.52% 97.00% 15.35% 96.30% 5.43 86.50% 23.14 85.70% 0.945 Top

15 NY Livingston Rochester, NY MSA 25.23% 98.20% 14.92% 95.70% 2.34 80.40% 26.73 88.90% 0.945 Top

16 IA Johnson Iowa City, IA MSA 24.81% 97.80% 19.36% 98.90% 1.00 76.70% 19.75 81.20% 0.945 Top

17 ME Hancock Non-metro 22.38% 95.80% 16.28% 97.30% 5.64 86.90% 21.56 84.00% 0.943 Top

18 NJ Middlesex Edison-New Brunswick, NJ MD 28.24% 99.10% 17.30% 98.10% 1.77 79.10% 15.64 74.20% 0.942 Top

19 TX Hopkins Non-metro 28.31% 99.10% 28.39% 99.80% 3.44 82.90% 11.48 63.00% 0.942 Top

20 UT Summit Salt Lake City, UT MSA 23.05% 96.60% 13.69% 93.80% 4.55 85.10% 35.61 94.00% 0.941 Top

21 NJ Monmouth Edison-New Brunswick, NJ MD 29.59% 99.50% 16.28% 97.30% 0.67 75.80% 16.54 76.00% 0.939 Top

22 WI Vilas Non-metro 23.09% 96.70% 15.53% 96.60% 23.03 95.10% 13.33 68.70% 0.937 Top

23 MT Flathead Non-metro 22.13% 95.50% 14.30% 94.80% 3.29 82.60% 32.19 92.50% 0.936 Top

24 OH Williams Non-metro 19.80% 91.40% 15.81% 97.00% 3.96 84.00% 55.62 98.10% 0.936 Top

25 IL Kane Chicago-Joliet-Naperville, IL MD 24.94% 98.00% 13.85% 94.00% 8.42 89.70% 17.25 77.30% 0.935 Top

26 NV Douglas Non-metro 29.11% 99.30% 14.88% 95.70% 1.70 78.90% 16.07 75.00% 0.934 Top

27 NJ Union Newark-Union, NJ-PA MD 25.02% 98.00% 14.21% 94.60% 5.25 86.40% 16.02 75.00% 0.932 Top

28 NV Washoe Reno-Sparks, NV MSA 25.80% 98.40% 16.41% 97.50% 0.29 74.70% 14.67 72.10% 0.930 Top

29 NJ Ocean Edison-New Brunswick, NJ MD 29.29% 99.40% 18.25% 98.40% 0.47 75.20% 11.58 63.40% 0.930 Top

30 NY Rockland New York-White Plains-Wayne, NY-NJ MD 27.38% 98.90% 14.39% 94.90% 2.23 80.20% 15.43 73.70% 0.929 Top

31 NJ Somerset Edison-New Brunswick, NJ MD 28.32% 99.20% 16.33% 97.40% 0.33 74.90% 13.06 67.70% 0.929 Top

3 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 4: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

32 NJ Passaic New York-White Plains-Wayne, NY-NJ MD 25.20% 98.10% 14.83% 95.50% 2.87 81.80% 14.51 71.70% 0.928 Top

33 IL DuPage Chicago-Joliet-Naperville, IL MD 24.69% 97.80% 13.05% 92.10% 4.27 84.60% 21.06 83.30% 0.928 Top

34 NJ Morris Newark-Union, NJ-PA MD 27.60% 99.00% 15.51% 96.50% 1.02 76.90% 11.87 64.50% 0.923 Top

35 SD Day Non-metro 19.22% 89.50% 13.49% 93.20% 133.56 99.20% 32.57 92.80% 0.923 Top

36 UT Wasatch Non-metro 21.80% 95.10% 12.02% 88.70% 10.74 91.50% 39.23 95.30% 0.922 Top

37 MT Missoula Missoula, MT MSA 20.83% 93.80% 14.47% 95.10% 8.63 89.90% 14.56 71.90% 0.917 Top

38 MS Madison Jackson, MS MSA 20.65% 93.40% 14.93% 95.80% 1.81 79.10% 19.64 81.10% 0.917 Top

39 NC Bertie Non-metro 19.17% 89.30% 13.96% 94.20% 9.45 90.50% 30.56 91.80% 0.916 Top

40 NY Queens New York-White Plains-Wayne, NY-NJ MD 23.78% 97.20% 12.13% 89.10% 456.31 99.60% 14.03 70.70% 0.916 Top

41 IL Lake Lake County-Kenosha County, IL-WI MD 23.06% 96.60% 12.96% 91.60% 4.84 85.70% 15.00 72.80% 0.911 Top

42 NY Westchester New York-White Plains-Wayne, NY-NJ MD 24.41% 97.70% 12.96% 91.60% 4.20 84.40% 13.47 69.20% 0.911 Top

43 ME Cumberland Portland-South Portland-Biddeford, ME MSA 20.71% 93.60% 11.80% 87.80% 23.79 95.30% 24.97 87.80% 0.909 Top

44 MA Norfolk Boston-Quincy, MA MD 20.89% 94.00% 12.17% 89.20% 4.25 84.50% 29.34 91.30% 0.909 Top

45 TX Gillespie Non-metro 22.74% 96.20% 17.07% 98.00% 8.13 89.40% 5.51 42.30% 0.909 Top

46 NM Torrance Albuquerque, NM MSA 22.48% 95.90% 11.62% 87.00% 10.72 91.40% 22.37 84.90% 0.908 Top

47 NY Putnam New York-White Plains-Wayne, NY-NJ MD 24.70% 97.80% 13.51% 93.30% 1.86 79.40% 11.66 63.60% 0.907 Top

48 NE Cuming Non-metro 20.83% 93.80% 16.62% 97.60% 10.56 91.30% 7.66 50.00% 0.907 Top

49 TX Randall Amarillo, TX MSA 41.86% 99.90% 13.59% 93.60% 1.84 79.30% 8.62 53.60% 0.907 Top

50 MN Carver Minneapolis-St. Paul-bloomington, MN-WI MSA 21.12% 94.30% 13.76% 93.90% 1.13 77.20% 16.94 76.80% 0.907 Top

51 MI Otsego Non-metro 25.30% 98.20% 15.70% 96.80% 4.18 84.30% 5.50 42.20% 0.907 Top

52 NV Carson City Carson City, NV MSA 20.74% 93.60% 14.22% 94.70% 1.51 78.30% 15.92 74.90% 0.906 Top

53 OH Warren Cincinnati-Middletown, OH-KY-IN MSA 20.41% 92.80% 12.96% 91.60% 1.21 77.50% 29.27 91.20% 0.906 Top

54 NY New York New York-White Plains-Wayne, NY-NJ MD 26.33% 98.60% 14.91% 95.70% 51.09 97.70% 0.03 31.00% 0.906 Top

55 NC Hertford Non-metro 17.41% 82.50% 16.33% 97.40% 17.65 94.10% 30.12 91.60% 0.905 Top

56 MI Isabella Non-metro 23.32% 96.90% 16.39% 97.50% 6.93 88.30% 4.40 38.50% 0.904 Top

57 SD Codington Non-metro 22.68% 96.10% 16.95% 97.80% 15.04 93.40% 3.33 35.30% 0.904 Top

58 NJ Camden Camden, NJ MD 20.87% 94.00% 12.92% 91.50% 6.95 88.40% 15.28 73.50% 0.904 Top

59 NY Richmond New York-White Plains-Wayne, NY-NJ MD 24.01% 97.40% 13.54% 93.40% 4.17 84.30% 9.36 56.00% 0.904 Top

60 MI Ottawa Holland-Grand Haven, MI MSA 20.93% 94.10% 12.04% 88.70% 0.49 75.30% 45.22 96.80% 0.903 Top

61 NC Chowan Non-metro 19.39% 90.20% 11.88% 88.00% 9.07 90.20% 74.29 99.20% 0.902 Top

62 ID Camas Non-metro 44.64% 100.00% 39.44% 99.90% 0.00 0.00% 89.29 99.30% 0.899 Top

4 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 5: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

63 WI Brown Green Bay, WI MSA 20.18% 92.20% 11.63% 87.10% 5.13 86.30% 39.37 95.30% 0.899 Top

64 NJ Mercer Trenton-Ewing, NJ MSA 21.43% 94.70% 13.57% 93.50% 2.17 80.00% 12.17 65.40% 0.898 Top

65 NJ Essex Newark-Union, NJ-PA MD 23.30% 96.80% 13.32% 92.70% 3.37 82.80% 9.73 57.10% 0.898 Top

66 WA Chelan Wenatchee-East Wenatchee, WA MSA 22.26% 95.70% 14.25% 94.80% 3.40 82.80% 8.11 51.20% 0.896 Top

67 MN Douglas Non-metro 19.64% 90.80% 11.62% 87.00% 7.50 89.00% 37.56 94.90% 0.895 Top

68 SD Clark Non-metro 30.29% 99.60% 21.22% 99.20% 736.54 99.80% 0.00 0.00% 0.895 Top

69 NC Dare Non-metro 20.80% 93.70% 12.49% 90.00% 1.66 78.70% 19.83 81.30% 0.895 Top

70 NY Ontario Rochester, NY MSA 21.56% 94.90% 11.82% 87.90% 1.22 77.60% 23.36 85.80% 0.895 Top

71 MA Middlesex Cambridge-Newton-Framingham, MA MD 19.59% 90.70% 12.00% 88.50% 9.74 90.80% 24.31 86.90% 0.895 Top

72 NY Nassau Nassau-Suffolk, NY MD 25.01% 98.00% 12.88% 91.40% 1.82 79.20% 9.94 57.70% 0.895 Top

73 OH Morrow Columbus, OH MSA 19.58% 90.70% 12.20% 89.30% 17.64 94.10% 18.87 80.20% 0.894 Top

74 IL McHenry Chicago-Joliet-Naperville, IL MD 21.69% 95.00% 12.48% 90.00% 3.40 82.90% 13.72 70.00% 0.893 Top

75 NJ Sussex Newark-Union, NJ-PA MD 23.64% 97.00% 13.48% 93.10% 0.77 76.10% 9.44 56.20% 0.893 Top

76 NJ Burlington Camden, NJ MD 20.99% 94.20% 12.63% 90.60% 2.52 81.00% 14.85 72.40% 0.893 Top

77 VA Loudoun Washington-Arlington-Alexandria, DC-VA-MD-WV MD 20.41% 92.80% 14.06% 94.40% 1.69 78.80% 11.72 63.90% 0.892 Top

78 NJ Hudson New York-White Plains-Wayne, NY-NJ MD 24.75% 97.80% 15.06% 95.90% 4.41 84.80% 0.24 31.10% 0.891 Top

79 UT Uintah Non-metro 23.30% 96.80% 10.28% 77.80% 12.32 92.40% 127.01 99.80% 0.891 Top

80 TX Cherokee Non-metro 19.15% 89.20% 14.09% 94.50% 5.89 87.10% 13.30 68.50% 0.890 Top

81 MT Richland Non-metro 31.89% 99.70% 21.33% 99.30% 0.00 0.00% 35.24 93.80% 0.890 Top

82 WI Oneida Non-metro 19.16% 89.30% 11.77% 87.70% 96.66 98.60% 20.49 82.40% 0.889 Top

83 MN Anoka Minneapolis-St. Paul-bloomington, MN-WI MSA 19.32% 89.90% 12.35% 89.60% 1.54 78.50% 31.44 92.10% 0.889 Top

84 WA Garfield Non-metro 26.25% 98.50% 18.63% 98.70% 0.00 0.00% 125.00 99.80% 0.889 Top

85 TX Shackelford Non-metro 29.03% 99.30% 19.41% 98.90% 0.00 0.00% 40.32 95.50% 0.888 Top

86 GA Forsyth Atlanta-Sandy Springs-Marietta, GA MSA 20.44% 92.90% 13.19% 92.40% 1.02 76.90% 13.43 69.20% 0.887 Top

87 MA Hampden Springfield, MA MSA 20.20% 92.30% 11.47% 86.20% 9.67 90.70% 20.50 82.40% 0.887 Top

88 UT Duchesne Non-metro 29.50% 99.50% 16.12% 97.20% 0.00 0.00% 118.27 99.70% 0.887 Top

89 IL Cook Chicago-Joliet-Naperville, IL MD 20.67% 93.40% 11.41% 85.80% 10.65 91.30% 16.90 76.60% 0.885 Top

90 MN Crow Wing Non-metro 19.13% 89.10% 12.33% 89.50% 19.33 94.40% 16.22 75.40% 0.884 Top

91 NV Clark Las Vegas-Paradise, NV MSA 19.96% 91.90% 13.16% 92.30% 0.46 75.20% 14.40 71.40% 0.883 Top

92 MA Essex Peabody, MA MD 19.69% 91.00% 11.43% 85.80% 3.60 83.40% 28.30 90.40% 0.881 Top

93 CO Summit Non-metro 26.95% 98.80% 17.47% 98.20% 0.00 0.00% 32.63 92.80% 0.881 Top

5 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 6: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

94 NC Chatham Durham-Chapel Hill, NC MSA 20.61% 93.20% 12.36% 89.70% 6.68 88.00% 10.37 59.20% 0.879 Top

95 NE Holt Non-metro 18.92% 88.40% 18.35% 98.50% 6.93 88.30% 5.70 42.80% 0.879 Top

96 HI Honolulu Honolulu, HI MSA 22.29% 95.70% 16.26% 97.30% 0.15 74.40% 0.13 31.10% 0.878 Top

97 VA Washington Kingsport-Bristol-Bristol, TN-VA MSA 19.37% 90.10% 15.71% 96.80% 38.84 97.10% 1.99 32.00% 0.877 Top

98 NV Storey Reno-Sparks, NV MSA 29.06% 99.30% 14.73% 95.40% 0.00 0.00% 52.36 97.80% 0.877 Top

99 MN Washington Minneapolis-St. Paul-bloomington, MN-WI MSA 18.56% 87.50% 12.59% 90.50% 0.49 75.40% 26.94 89.10% 0.877 Top

100 TX Kendall San Antonio-New Braunfels, TX MSA 20.22% 92.40% 12.36% 89.70% 12.02 92.20% 9.30 55.80% 0.876 Top

101 NY Dutchess Poughkeepsie-Newburgh-Middletown, NY MSA 20.46% 92.90% 11.23% 85.00% 4.45 85.00% 17.80 78.50% 0.875 Top

102 NV Elko Non-metro 22.70% 96.20% 11.98% 88.30% 3.63 83.40% 8.51 53.40% 0.875 Top

103 OK Kingfisher Non-metro 24.07% 97.40% 19.70% 99.00% 0.00 0.00% 26.97 89.10% 0.875 Top

104 OH Delaware Columbus, OH MSA 19.67% 90.90% 10.50% 79.90% 22.22 95.00% 41.88 96.20% 0.874 Top

105 MT Powder River Non-metro 21.72% 95.00% 19.48% 99.00% 45.45 97.60% 0.00 0.00% 0.874 Top

106 MO Boone Columbia, MO MSA 17.78% 84.20% 13.34% 92.80% 0.76 76.00% 24.48 87.20% 0.871 Top

107 SC Horry Myrtle Beach-North Myrtle Beach-Conway, SC MSA 19.77% 91.30% 14.66% 95.20% 0.39 75.00% 7.72 50.10% 0.871 Top

108 TX Gaines Non-metro 29.11% 99.40% 24.52% 99.60% 0.00 0.00% 15.74 74.50% 0.871 Top

109 WI Outagamie Appleton, WI MSA 19.43% 90.40% 10.47% 79.60% 12.95 92.80% 49.24 97.40% 0.870 Top

110 WA King Seattle-Bellevue-Everett, WA MD 19.06% 88.80% 11.60% 86.90% 5.56 86.70% 18.86 80.20% 0.870 Top

111 MN Hennepin Minneapolis-St. Paul-bloomington, MN-WI MSA 20.21% 92.40% 13.54% 93.40% 17.99 94.10% 0.08 31.00% 0.868 Top

112 MS Marion Non-metro 24.18% 97.50% 16.41% 97.50% 0.00 0.00% 25.28 88.00% 0.868 Top

113 HI Kauai Non-metro 17.70% 84.00% 13.15% 92.30% 4.15 84.20% 17.04 77.00% 0.866 Top

114 MA Plymouth Boston-Quincy, MA MD 20.37% 92.60% 10.64% 80.90% 1.68 78.80% 34.69 93.50% 0.866 Top

115 TX Potter Amarillo, TX MSA 21.15% 94.40% 12.51% 90.10% 3.10 82.40% 6.28 45.20% 0.866 Top

116 NJ Gloucester Camden, NJ MD 19.15% 89.20% 11.62% 87.00% 7.86 89.20% 14.11 70.80% 0.865 Top

117 HI Hawaii Non-metro 23.69% 97.00% 15.92% 97.00% 0.00 0.00% 26.05 88.60% 0.865 Top

118 MO Moniteau Jefferson City, MO MSA 22.37% 95.80% 19.30% 98.80% 0.00 0.00% 23.72 86.20% 0.865 Top

119 WI Portage Non-metro 18.01% 85.20% 12.99% 91.80% 44.76 97.50% 10.32 59.00% 0.865 Top

120 MI Schoolcraft Non-metro 22.45% 95.90% 15.92% 97.00% 0.00 0.00% 30.96 92.00% 0.864 Top

121 SC Charleston Charleston-North Charleston-Summerville, SC MSA 19.20% 89.40% 12.80% 91.30% 0.53 75.60% 11.99 64.90% 0.863 Top

122 CA San Francisco San Francisco-San Mateo-Redwood City, CA MD 28.75% 99.20% 18.38% 98.50% 0.00 0.00% 14.23 71.20% 0.862 Top

123 NY Genesee Non-metro 22.94% 96.40% 14.41% 95.00% 0.00 0.00% 40.60 95.60% 0.861 Top

124 WI Sheboygan Sheboygan, WI MSA 21.56% 94.90% 14.84% 95.60% 0.00 0.00% 71.50 99.10% 0.861 Top

6 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 7: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

125 IL Madison St. Louis, MO-IL MSA 18.55% 87.40% 12.53% 90.20% 8.29 89.60% 10.96 61.00% 0.861 Top

126 WI Menominee Non-metro 20.00% 92.00% 17.46% 98.20% 1747.57 99.90% 0.00 0.00% 0.861 Top

127 CO Eagle Non-metro 25.71% 98.40% 15.38% 96.40% 0.00 0.00% 19.48 80.80% 0.860 Top

128 PA Crawford Non-metro 17.85% 84.50% 11.88% 88.00% 6.07 87.40% 20.30 82.00% 0.859 Top

129 MO St. Louis St. Louis, MO-IL MSA 18.84% 88.20% 11.97% 88.20% 6.24 87.50% 12.51 66.20% 0.859 Top

130 NY Suffolk Nassau-Suffolk, NY MD 24.40% 97.70% 10.98% 83.50% 1.13 77.20% 9.38 56.10% 0.858 Top

131 MO Cole Jefferson City, MO MSA 21.36% 94.60% 17.37% 98.10% 0.00 0.00% 24.42 87.00% 0.858 Top

132 MT Carbon Billings, MT MSA 20.76% 93.70% 15.14% 96.10% 0.00 0.00% 51.36 97.70% 0.857 Top

133 TX Scurry Non-metro 21.91% 95.30% 15.67% 96.70% 7.40 88.80% 0.00 0.00% 0.857 Top

134 MO Miller Non-metro 25.15% 98.10% 21.74% 99.40% 0.00 0.00% 12.45 66.00% 0.856 Top

135 ND Barnes Non-metro 26.26% 98.50% 17.34% 98.10% 0.00 0.00% 13.47 69.20% 0.856 Top

136 NH Carroll Non-metro 19.10% 88.90% 10.30% 78.00% 7.65 89.10% 66.17 98.70% 0.855 Top

137 MI Kent Grand Rapids-Wyoming, MI MSA 19.92% 91.80% 10.45% 79.40% 0.60 75.70% 36.74 94.60% 0.855 Top

138 NE Sarpy Omaha-Council Bluffs, NE-IA MSA 18.02% 85.20% 11.52% 86.40% 1.86 79.30% 26.99 89.10% 0.855 Top

139 WI Fond du Lac Fond Du Lac, WI MSA 21.89% 95.20% 14.83% 95.50% 0.00 0.00% 29.81 91.50% 0.854 Top

140 NV Humboldt Non-metro 21.31% 94.50% 14.04% 94.40% 0.00 0.00% 44.71 96.80% 0.852 Top

141 NY Tompkins Ithaca, NY MSA 19.14% 89.20% 10.22% 77.20% 271.89 99.40% 24.64 87.40% 0.852 Top

142 WA Franklin Kennewick-Pasco-Richland, WA MSA 22.55% 96.00% 13.62% 93.70% 0.00 0.00% 34.41 93.50% 0.852 Top

143 NJ Cape May Ocean City, NJ MSA 19.85% 91.60% 11.13% 84.40% 6.80 88.10% 10.61 59.90% 0.852 Top

144 PA Lancaster Lancaster, PA MSA 19.40% 90.30% 11.58% 86.80% 2.47 80.90% 11.05 61.30% 0.851 Top

145 WI Columbia Madison, WI MSA 17.17% 81.10% 11.71% 87.40% 4.43 84.90% 29.80 91.40% 0.850 Top

146 TX Jackson Non-metro 19.07% 88.90% 10.67% 81.10% 8.80 90.00% 18.52 79.70% 0.850 Top

147 NH Rockingham Rockingham County-Strafford County, NH MD 18.63% 87.70% 10.70% 81.40% 2.61 81.30% 30.23 91.70% 0.849 Top

148 OH Butler Cincinnati-Middletown, OH-KY-IN MSA 18.25% 86.40% 11.09% 84.20% 4.10 84.20% 20.60 82.60% 0.849 Top

149 MI Oakland Warren-Troy-Farmington Hills, MI MD 20.27% 92.50% 10.64% 80.90% 0.31 74.80% 19.03 80.50% 0.849 Top

150 CA Santa Clara San Jose-Sunnyvale-Santa Clara, CA MSA 24.09% 97.50% 16.23% 97.20% 0.00 0.00% 13.76 70.00% 0.849 Top

151 NC Union Charlotte-Gastonia-rock Hill, NC-SC MSA 20.31% 92.50% 11.57% 86.80% 1.17 77.30% 8.79 54.20% 0.849 Top

152 ID Blaine Non-metro 24.33% 97.60% 12.61% 90.50% 0.00 0.00% 41.71 96.10% 0.849 Top

153 MI Livingston Warren-Troy-Farmington Hills, MI MD 20.12% 92.10% 10.44% 79.30% 1.22 77.50% 22.73 85.30% 0.848 Top

154 MI Washtenaw Ann Arbor, MI MSA 19.30% 89.80% 11.50% 86.30% 1.58 78.60% 12.04 65.00% 0.848 Top

155 CA Orange Santa Ana-Anaheim-Irvine, CA MD 23.77% 97.10% 14.84% 95.60% 0.00 0.00% 16.81 76.40% 0.847 Top

7 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 8: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

156 MN Dakota Minneapolis-St. Paul-bloomington, MN-WI MSA 17.59% 83.50% 11.59% 86.80% 2.43 80.70% 22.25 84.70% 0.847 Top

157 TX Mason Non-metro 16.60% 77.80% 12.35% 89.60% 14.53 93.20% 21.28 83.50% 0.846 Top

158 ID Latah Non-metro 21.22% 94.50% 15.01% 95.90% 0.00 0.00% 22.14 84.50% 0.846 Top

159 MA Hampshire Springfield, MA MSA 19.38% 90.20% 11.31% 85.30% 8.27 89.50% 8.81 54.40% 0.846 Top

160 MN Clay Fargo, ND-MN MSA 22.42% 95.90% 13.67% 93.80% 0.00 0.00% 24.47 87.10% 0.846 Top

161 TX Gray Non-metro 24.85% 97.90% 23.38% 99.50% 0.00 0.00% 9.31 55.90% 0.846 Top

162 CA San Mateo San Francisco-San Mateo-Redwood City, CA MD 26.50% 98.60% 16.05% 97.10% 0.00 0.00% 11.34 62.50% 0.845 Top

163 MI Missaukee Non-metro 22.00% 95.30% 15.64% 96.70% 0.00 0.00% 16.92 76.70% 0.845 Top

164 OK Tillman Non-metro 21.37% 94.60% 24.53% 99.70% 0.00 0.00% 12.95 67.20% 0.844 Top

165 WI St. Croix Minneapolis-St. Paul-Bloomington, MN-WI MSA 17.61% 83.60% 10.58% 80.50% 9.51 90.50% 42.07 96.30% 0.843 Top

166 TN Benton Non-metro 26.78% 98.70% 28.11% 99.80% 0.00 0.00% 7.40 49.00% 0.843 Top

167 MO Camden Non-metro 21.01% 94.20% 16.80% 97.70% 0.00 0.00% 16.20 75.30% 0.843 Top

168 NJ Hunterdon Newark-Union, NJ-PA MD 27.17% 98.90% 15.16% 96.10% 0.00 0.00% 11.34 62.50% 0.843 Top

169 NE Douglas Omaha-Council Bluffs, NE-IA MSA 17.95% 84.90% 11.01% 83.80% 0.95 76.50% 28.88 90.80% 0.842 Top

170 TX Webb Laredo, TX MSA 18.80% 88.10% 10.29% 77.80% 52.55 97.80% 18.52 79.70% 0.841 Top

171 UT Salt Lake Salt Lake City, UT MSA 18.19% 86.00% 10.22% 77.20% 15.47 93.60% 36.77 94.70% 0.841 Top

172 OK Pottawatomie Non-metro 17.37% 82.30% 13.58% 93.60% 26.35 95.50% 5.42 41.90% 0.841 Top

173 MI Mecosta Non-metro 17.21% 81.40% 12.65% 90.70% 3.81 83.70% 13.26 68.30% 0.840 Top

174 KS Riley Manhattan, KS MSA 20.22% 92.40% 13.50% 93.30% 0.00 0.00% 50.48 97.50% 0.840 Top

175 WI Marathon Wausau, WI MSA 18.59% 87.60% 10.56% 80.20% 208.49 99.40% 13.59 69.50% 0.840 Top

176 OH Hamilton Cincinnati-Middletown, OH-KY-IN MSA 17.92% 84.70% 11.21% 84.70% 2.48 80.90% 19.90 81.40% 0.840 Top

177 CA Alameda Oakland-Fremont-Hayward, CA MD 23.14% 96.70% 14.72% 95.30% 0.00 0.00% 14.41 71.40% 0.839 Top

178 RI Washington Providence-New Bedford-Fall River, RI-MA MSA 17.93% 84.80% 10.83% 82.40% 1.51 78.40% 31.42 92.10% 0.839 Top

179 MT Park Non-metro 21.86% 95.20% 14.34% 94.90% 0.00 0.00% 17.52 77.90% 0.838 Top

180 CA Los Angeles Los Angeles-Long Beach-Glendale, CA MD 22.02% 95.40% 14.23% 94.70% 0.00 0.00% 17.42 77.70% 0.838 Top

181 TX Travis Austin-Round Rock-San Marcos, TX MSA 17.21% 81.40% 11.26% 85.10% 11.92 92.10% 18.08 79.00% 0.837 Top

182 RI Newport Providence-New Bedford-Fall River, RI-MA MSA 18.04% 85.30% 10.80% 82.20% 1.14 77.20% 27.72 89.80% 0.837 Top

183 ME Washington Non-metro 17.45% 82.70% 14.57% 95.10% 11.48 92.00% 2.84 33.70% 0.837 Top

184 MI Menominee Non-metro 17.46% 82.70% 10.39% 78.80% 36.86 96.90% 34.11 93.40% 0.836 Top

185 IN Daviess Non-metro 24.25% 97.60% 18.38% 98.50% 0.00 0.00% 8.12 51.30% 0.836 Top

186 NY Seneca Non-metro 17.51% 83.10% 10.42% 79.10% 69.57 98.30% 24.72 87.50% 0.835 Top

8 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 9: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

187 NY Oneida Utica-Rome, NY MSA 21.03% 94.20% 9.88% 74.30% 0.70 75.80% 22.15 84.50% 0.834 Top

188 TN Carroll Non-metro 26.49% 98.60% 26.69% 99.80% 0.00 0.00% 4.86 40.10% 0.834 Top

189 ID Teton Non-metro 22.97% 96.50% 13.82% 94.00% 0.00 0.00% 14.49 71.60% 0.834 Top

190 ID Caribou Non-metro 23.70% 97.10% 13.61% 93.60% 0.00 0.00% 14.03 70.70% 0.834 Top

191 MO Pettis Non-metro 23.77% 97.10% 17.08% 98.00% 0.00 0.00% 8.42 53.10% 0.834 Top

192 ME York Portland-South Portland-Biddeford, ME MSA 19.03% 88.70% 10.52% 80.00% 4.56 85.10% 15.27 73.40% 0.833 Top

193 GA Bulloch Non-metro 16.05% 74.40% 12.99% 91.80% 4.04 84.20% 21.82 84.20% 0.833 Top

194 NC Avery Non-metro 22.79% 96.30% 15.06% 95.90% 0.00 0.00% 11.84 64.30% 0.833 Top

195 VT Caledonia Non-metro 15.84% 72.60% 11.59% 86.80% 117.45 99.00% 43.30 96.50% 0.833 Top

196 IL Tazewell Peoria, IL MSA 20.72% 93.60% 13.38% 92.90% 0.00 0.00% 23.87 86.30% 0.832 Top

197 NY Monroe Rochester, NY MSA 19.50% 90.50% 9.47% 70.80% 12.14 92.20% 36.52 94.50% 0.832 Top

198 WA Grant Non-metro 20.86% 93.90% 13.28% 92.60% 0.00 0.00% 22.45 85.00% 0.831 Top

199 HI Maui Non-metro 19.76% 91.20% 16.05% 97.10% 0.00 0.00% 17.20 77.20% 0.830 Top

200 TN Henry Non-metro 23.26% 96.80% 21.13% 99.20% 0.00 0.00% 6.67 46.40% 0.830 Top

201 MO St. Charles St. Louis, MO-IL MSA 17.69% 83.90% 11.68% 87.30% 1.11 77.10% 13.25 68.20% 0.830 Top

202 OK Stephens Non-metro 19.46% 90.50% 15.28% 96.20% 0.00 0.00% 20.89 83.00% 0.830 Top

203 MT Granite Non-metro 22.74% 96.30% 12.11% 89.00% 0.00 0.00% 25.84 88.50% 0.830 Top

204 ND Dunn Non-metro 20.08% 92.10% 12.64% 90.70% 0.00 0.00% 62.11 98.50% 0.830 Top

205 KY Jessamine Lexington-Fayette, KY MSA 17.60% 83.50% 10.79% 82.10% 4.37 84.80% 20.47 82.30% 0.830 Top

206 MA Bristol Providence-New Bedford-Fall River, RI-MA MSA 19.35% 90.00% 9.94% 74.60% 2.67 81.40% 27.41 89.50% 0.829 Top

207 TX Parker Fort Worth-Arlington, TX MD 17.54% 83.20% 11.34% 85.50% 2.48 80.90% 15.17 73.20% 0.829 Top

208 NV Lander Non-metro 19.95% 91.90% 13.39% 92.90% 0.00 0.00% 27.32 89.40% 0.829 Top

209 CA Ventura Oxnard-Thousand Oaks-Ventura, CA MSA 22.70% 96.20% 14.73% 95.40% 0.00 0.00% 11.11 61.70% 0.828 Top

210 IN Delaware Muncie, IN MSA 17.16% 81.00% 11.07% 84.20% 3.03 82.20% 22.15 84.60% 0.828 Top

211 PA Warren Non-metro 22.21% 95.60% 13.71% 93.90% 0.00 0.00% 13.54 69.40% 0.827 Top

212 MO Audrain Non-metro 23.86% 97.30% 21.75% 99.40% 0.00 0.00% 4.89 40.40% 0.827 Top

213 SD Pennington Rapid City, SD MSA 17.85% 84.50% 10.40% 78.90% 3.16 82.50% 27.44 89.60% 0.826 Top

214 IA Washington Iowa City, IA MSA 19.83% 91.50% 12.85% 91.30% 0.00 0.00% 36.20 94.30% 0.826 Top

215 UT Washington St. George, UT MSA 18.10% 85.60% 10.30% 78.00% 0.72 76.00% 37.07 94.80% 0.825 Top

216 ID Shoshone Non-metro 20.61% 93.20% 12.08% 88.90% 0.00 0.00% 43.48 96.50% 0.825 Top

217 KY Hart Non-metro 15.63% 71.00% 12.39% 89.80% 21.94 94.90% 24.14 86.70% 0.825 Top

9 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 10: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

218 NE Butler Non-metro 20.63% 93.30% 17.24% 98.00% 0.00 0.00% 10.47 59.50% 0.825 Top

219 IL Will Chicago-Joliet-Naperville, IL MD 19.74% 91.20% 11.34% 85.50% 5.46 86.60% 0.20 31.10% 0.825 Top

220 MN Ramsey Minneapolis-St. Paul-bloomington, MN-WI MSA 16.62% 77.90% 10.84% 82.50% 17.17 94.00% 26.46 88.80% 0.824 Top

221 WI Walworth Non-metro 20.94% 94.10% 12.32% 89.50% 0.00 0.00% 27.58 89.70% 0.824 Top

222 MN Becker Non-metro 17.19% 81.20% 10.73% 81.70% 20.19 94.70% 17.32 77.40% 0.824 Top

223 OH Lake Cleveland-Elyria-Mentor, OH MSA 18.11% 85.70% 10.22% 77.20% 0.55 75.70% 40.93 95.80% 0.823 Top

224 MA Nantucket Non-metro 26.81% 98.70% 16.80% 97.70% 0.00 0.00% 4.07 37.30% 0.823 Top

225 TN Williamson Nashville-Davidson--Murfreesboro--Franklin, TN MSA 18.63% 87.70% 10.95% 83.30% 1.24 77.70% 11.01 61.20% 0.823 Top

226 MA Barnstable Barnstable Town, MA MSA 18.42% 87.00% 9.72% 73.20% 9.37 90.40% 30.02 91.50% 0.823 Top

227 SD Lincoln Sioux Falls, SD MSA 19.72% 91.10% 14.13% 94.60% 0.00 0.00% 18.47 79.50% 0.822 Top

228 ID Lemhi Non-metro 22.16% 95.50% 15.29% 96.20% 0.00 0.00% 9.23 55.50% 0.822 Top

229 TX Fort Bend Houston-Sugar Land-baytown, TX MSA 18.07% 85.40% 10.44% 79.30% 5.48 86.60% 16.93 76.70% 0.822 Top

230 MT Judith Basin Non-metro 18.06% 85.40% 14.67% 95.20% 0.00 0.00% 92.59 99.40% 0.822 Top

231 KS Johnson Kansas City, MO-KS MSA 18.38% 86.80% 10.45% 79.40% 0.37 75.00% 20.22 82.00% 0.822 Top

232 CA Marin San Francisco-San Mateo-Redwood City, CA MD 23.41% 96.90% 14.68% 95.30% 0.00 0.00% 8.33 52.50% 0.821 Top

233 CA Kings Hanford-Corcoran, CA MSA 22.25% 95.70% 15.07% 96.00% 0.00 0.00% 8.79 54.20% 0.821 Top

234 TX Comal San Antonio-New Braunfels, TX MSA 18.42% 87.00% 10.56% 80.20% 5.59 86.80% 12.18 65.40% 0.821 Top

235 IL Kendall Chicago-Joliet-Naperville, IL MD 22.18% 95.60% 13.10% 92.20% 0.00 0.00% 13.64 69.70% 0.821 Top

236 TX Collin Dallas-Plano-Irving, TX MD 17.16% 81.00% 11.05% 84.10% 5.68 87.00% 15.24 73.30% 0.821 Top

237 NE Platte Non-metro 19.67% 90.90% 14.15% 94.60% 0.00 0.00% 17.33 77.50% 0.820 Top

238 PA Bucks Philadelphia, PA MD 17.83% 84.40% 10.82% 82.30% 0.83 76.20% 16.68 76.20% 0.819 Top

239 MT Lewis and Clark Non-metro 16.94% 79.80% 10.43% 79.20% 4.69 85.40% 48.93 97.30% 0.819 Top

240 NJ Warren Allentown-Bethlehem-Easton, PA-NJ MSA 23.31% 96.90% 14.55% 95.10% 0.00 0.00% 7.82 50.50% 0.819 Top

241 PA Butler Pittsburgh, PA MSA 16.81% 78.90% 12.06% 88.80% 0.73 76.00% 14.21 71.10% 0.818 Top

242 OK Marshall Non-metro 20.52% 93.10% 16.49% 97.60% 0.00 0.00% 9.00 54.90% 0.818 Top

243 ID Nez Perce Lewiston, ID-WA MSA 19.88% 91.80% 12.67% 90.80% 0.00 0.00% 24.38 87.00% 0.817 Top

244 AR Madison Fayetteville-Springdale-Rogers, AR-MO MSA 20.37% 92.60% 17.73% 98.20% 0.00 0.00% 8.70 53.90% 0.817 Top

245 MI Gogebic Non-metro 15.90% 73.10% 10.99% 83.70% 46.38 97.60% 30.58 91.90% 0.817 Top

246 CA Merced Merced, CA MSA 21.77% 95.10% 12.38% 89.80% 0.00 0.00% 16.88 76.60% 0.816 Top

247 NC New Hanover Wilmington, NC MSA 17.63% 83.70% 11.16% 84.60% 4.81 85.60% 9.74 57.10% 0.816 Top

248 SC Calhoun Columbia, SC MSA 19.24% 89.50% 13.48% 93.10% 0.00 0.00% 22.25 84.70% 0.815 Top

10 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 11: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

249 CA Napa Napa, CA MSA 21.91% 95.30% 13.17% 92.40% 0.00 0.00% 11.48 63.00% 0.814 Top

250 OR Washington Portland-Vancouver-Hillsboro, OR-WA MSA 17.37% 82.30% 10.86% 82.70% 0.49 75.30% 17.70 78.30% 0.814 Top

251 MN Scott Minneapolis-St. Paul-bloomington, MN-WI MSA 19.28% 89.60% 12.89% 91.50% 0.00 0.00% 26.55 88.90% 0.813 Top

252 UT Grand Non-metro 19.36% 90.10% 11.98% 88.30% 0.00 0.00% 98.94 99.60% 0.813 Top

253 CA Tulare Visalia-Porterville, CA MSA 21.44% 94.80% 11.78% 87.70% 0.00 0.00% 20.67 82.60% 0.813 Top

254 VA Alexandria Washington-Arlington-Alexandria, DC-VA-MD-WV MD 17.27% 81.80% 11.69% 87.30% 2.00 79.60% 9.44 56.30% 0.812 Top

255 WA Spokane Spokane, WA MSA 18.10% 85.60% 10.19% 76.80% 0.29 74.70% 24.90 87.60% 0.812 Top

256 PA Chester Philadelphia, PA MD 18.11% 85.70% 10.67% 81.10% 0.64 75.80% 13.31 68.60% 0.812 Top

257 TX Floyd Non-metro 18.20% 86.10% 13.02% 91.90% 0.00 0.00% 56.29 98.20% 0.810 Top

258 WI Kewaunee Green Bay, WI MSA 20.38% 92.70% 13.20% 92.40% 0.00 0.00% 13.63 69.70% 0.810 Top

259 TX Blanco Non-metro 18.45% 87.10% 13.48% 93.10% 7.54 89.00% 0.00 0.00% 0.810 Top

260 CA Contra Costa Oakland-Fremont-Hayward, CA MD 21.42% 94.70% 13.21% 92.50% 0.00 0.00% 10.69 60.30% 0.809 Top

261 UT Sevier Non-metro 21.42% 94.70% 10.85% 82.60% 0.00 0.00% 81.97 99.20% 0.808 Top

262 IL Hamilton Non-metro 19.08% 88.90% 12.97% 91.70% 0.00 0.00% 22.99 85.70% 0.808 Top

263 AR Perry Little Rock-North Little Rock-Conway, AR MSA 17.64% 83.80% 13.59% 93.60% 0.00 0.00% 59.79 98.30% 0.808 Top

264 CA Sonoma Santa Rosa-Petaluma, CA MSA 20.42% 92.80% 12.73% 90.90% 0.00 0.00% 15.10 73.10% 0.808 Top

265 NY Orange Poughkeepsie-Newburgh-Middletown, NY MSA 19.31% 89.90% 10.15% 76.50% 2.10 79.90% 11.31 62.40% 0.808 Top

266 NE Perkins Non-metro 18.26% 86.50% 13.89% 94.20% 0.00 0.00% 22.27 84.80% 0.808 Top

267 NM Bernalillo Albuquerque, NM MSA 17.03% 80.20% 10.92% 83.00% 4.93 85.90% 13.36 68.70% 0.807 Top

268 PA Berks Reading, PA MSA 17.34% 82.20% 10.27% 77.70% 3.92 83.90% 21.46 83.70% 0.807 Top

269 NC Yancey Non-metro 17.96% 85.00% 14.42% 95.00% 5.64 86.90% 0.00 0.00% 0.807 Top

270 ME Waldo Non-metro 17.13% 80.90% 11.13% 84.40% 6.77 88.10% 9.86 57.40% 0.807 Top

271 TX Montgomery Houston-Sugar Land-baytown, TX MSA 17.95% 84.90% 10.01% 75.30% 4.78 85.50% 18.32 79.30% 0.806 Top

272 WA Benton Kennewick-Pasco-Richland, WA MSA 19.53% 90.60% 11.97% 88.20% 0.00 0.00% 28.05 90.10% 0.805 Top

273 NE Lancaster Lincoln, NE MSA 16.02% 74.10% 11.24% 85.00% 2.16 80.00% 26.13 88.60% 0.805 Top

274 IA Wright Non-metro 18.46% 87.10% 15.29% 96.20% 0.00 0.00% 14.53 71.70% 0.805 Top

275 ID Kootenai Coeur D'alene, ID MSA 19.73% 91.10% 11.39% 85.70% 0.00 0.00% 50.63 97.50% 0.805 Top

276 MO St. Francois Non-metro 18.72% 87.90% 12.98% 91.70% 0.00 0.00% 23.81 86.30% 0.805 Top

277 ME Piscataquis Non-metro 18.41% 87.00% 13.07% 92.10% 6.30 87.80% 0.00 0.00% 0.804 Top

278 OK Nowata Non-metro 18.03% 85.30% 17.99% 98.30% 0.00 0.00% 13.66 69.80% 0.804 Top

279 ID Clearwater Non-metro 20.25% 92.50% 13.33% 92.70% 0.00 0.00% 11.44 62.90% 0.804 Top

11 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 12: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

280 RI Providence Providence-New Bedford-Fall River, RI-MA MSA 17.53% 83.20% 9.88% 74.30% 3.53 83.20% 27.91 90.00% 0.803 Top

281 NY Columbia Non-metro 20.11% 92.10% 9.44% 70.50% 2.89 81.90% 13.74 70.00% 0.802 Top

282 VT Chittenden Burlington-South Burlington, VT MSA 18.09% 85.50% 9.47% 70.80% 2.45 80.80% 41.86 96.10% 0.802 Top

283 SD Minnehaha Sioux Falls, SD MSA 19.11% 89.00% 12.50% 90.10% 0.00 0.00% 22.75 85.40% 0.802 Top

284 CA Placer Sacramento--Arden-Arcade--Roseville, CA MSA 20.67% 93.40% 12.79% 91.20% 0.00 0.00% 11.51 63.20% 0.802 Top

285 WI Milwaukee Milwaukee-Waukesha-West Allis, WI MSA 16.77% 78.50% 10.62% 80.80% 1.23 77.60% 24.28 86.80% 0.802 Top

286 UT Emery Non-metro 22.22% 95.70% 10.57% 80.40% 0.00 0.00% 47.62 97.10% 0.802 Top

287 OR Multnomah Portland-Vancouver-Hillsboro, OR-WA MSA 16.53% 77.20% 11.24% 85.00% 0.81 76.10% 16.75 76.30% 0.801 Top

288 WI Calumet Appleton, WI MSA 20.50% 93.00% 10.91% 83.00% 0.00 0.00% 48.39 97.20% 0.801 Top

289 CO Pitkin Non-metro 19.88% 91.70% 11.76% 87.60% 0.00 0.00% 21.50 83.90% 0.801 Top

290 MD Somerset Salisbury, MD MSA 17.23% 81.50% 13.98% 94.30% 53.57 97.90% 0.00 0.00% 0.801 Top

291 CA San Diego San Diego-Carlsbad-San Marcos, CA MSA 20.03% 92.10% 12.40% 89.90% 0.00 0.00% 14.54 71.80% 0.800 Top

292 ID Bingham Non-metro 20.64% 93.30% 12.15% 89.10% 0.00 0.00% 13.76 70.00% 0.800 Top

293 VA Arlington Washington-Arlington-Alexandria, DC-VA-MD-WV MD 16.63% 78.00% 12.50% 90.10% 2.04 79.70% 6.93 47.30% 0.799 Top

294 RI Kent Providence-New Bedford-Fall River, RI-MA MSA 17.15% 81.00% 9.78% 73.50% 5.85 87.10% 35.93 94.10% 0.799 Top

295 TX Lipscomb Non-metro 40.00% 99.90% 36.90% 99.90% 0.00 0.00% 0.00 0.00% 0.799 Top

296 NJ Atlantic Atlantic City-Hammonton, NJ MSA 18.72% 87.80% 10.38% 78.60% 8.78 90.00% 5.75 43.20% 0.799 Top

297 TX Sherman Non-metro 35.33% 99.80% 36.45% 99.90% 0.00 0.00% 0.00 0.00% 0.799 Top

298 NC Lee Non-metro 20.52% 93.00% 14.84% 95.60% 0.00 0.00% 6.10 44.20% 0.799 Top

299 PA Bradford Non-metro 19.05% 88.80% 12.04% 88.70% 0.00 0.00% 26.04 88.50% 0.799 Top

300 AL Pike Non-metro 19.01% 88.70% 14.46% 95.00% 0.00 0.00% 11.66 63.60% 0.798 Top

301 MT Stillwater Non-metro 19.28% 89.60% 11.60% 86.90% 0.00 0.00% 31.78 92.30% 0.798 Top

302 MI Marquette Non-metro 15.35% 68.90% 11.40% 85.70% 35.15 96.70% 20.88 83.00% 0.798 Top

303 ID Jefferson Idaho Falls, ID MSA 22.20% 95.60% 12.74% 91.00% 0.00 0.00% 8.18 51.60% 0.798 Top

304 GA Irwin Non-metro 18.94% 88.50% 14.24% 94.70% 0.00 0.00% 12.06 65.10% 0.798 Top

305 MT Liberty Non-metro 38.22% 99.80% 23.53% 99.60% 0.00 0.00% 0.00 0.00% 0.798 Top

306 TX Borden Non-metro 30.77% 99.70% 22.86% 99.50% 0.00 0.00% 0.00 0.00% 0.797 Top

307 CA El Dorado Sacramento--Arden-Arcade--Roseville, CA MSA 20.82% 93.80% 12.54% 90.30% 0.00 0.00% 10.70 60.30% 0.797 Top

308 MT Beaverhead Non-metro 19.78% 91.30% 13.86% 94.10% 0.00 0.00% 9.03 55.00% 0.797 Top

309 KY Pike Non-metro 15.44% 69.70% 11.04% 84.00% 19.59 94.50% 24.51 87.20% 0.797 Top

310 OH Medina Cleveland-Elyria-Mentor, OH MSA 19.28% 89.70% 11.44% 86.00% 0.00 0.00% 34.60 93.50% 0.796 Top

12 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 13: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

311 TX Rockwall Dallas-Plano-Irving, TX MD 17.78% 84.20% 10.52% 80.00% 5.69 87.00% 8.30 52.40% 0.796 Top

312 AK Kenai Peninsula Non-metro 19.46% 90.40% 13.64% 93.70% 0.00 0.00% 10.45 59.50% 0.796 Top

313 CA Yolo Sacramento--Arden-Arcade--Roseville, CA MSA 20.63% 93.30% 12.08% 88.90% 0.00 0.00% 12.82 67.00% 0.796 Top

314 PA McKean Non-metro 19.80% 91.40% 15.38% 96.40% 0.00 0.00% 6.15 44.60% 0.796 Top

315 TX Gregg Longview, TX MSA 18.23% 86.30% 10.56% 80.20% 6.35 87.80% 5.45 42.00% 0.796 Top

316 TX Brazos College Station-Bryan, TX MSA 18.13% 85.80% 10.04% 75.50% 3.02 82.20% 13.26 68.30% 0.796 Top

317 TX McMullen Non-metro 39.29% 99.90% 19.57% 99.00% 0.00 0.00% 0.00 0.00% 0.796 Top

318 OH Licking Columbus, OH MSA 17.58% 83.50% 9.24% 68.60% 14.88 93.40% 34.91 93.70% 0.796 Top

319 GA Turner Non-metro 18.35% 86.80% 15.41% 96.40% 0.00 0.00% 11.33 62.50% 0.795 Top

320 NC Duplin Non-metro 17.05% 80.50% 11.70% 87.40% 2.85 81.80% 5.10 41.00% 0.794 Top

321 ID Madison Non-metro 19.54% 90.60% 11.66% 87.20% 0.00 0.00% 21.01 83.20% 0.794 Top

322 NV Lyon Non-metro 23.69% 97.10% 13.32% 92.70% 0.00 0.00% 3.24 34.90% 0.794 Top

323 MT Custer Non-metro 28.47% 99.20% 21.30% 99.20% 0.00 0.00% 0.00 0.00% 0.794 Top

324 TX Coleman Non-metro 27.04% 98.80% 24.31% 99.60% 0.00 0.00% 0.00 0.00% 0.794 Top

325 MA Suffolk Boston-Quincy, MA MD 16.69% 78.30% 10.03% 75.40% 14.15 93.10% 22.77 85.40% 0.793 Top

326 GA Wilcox Non-metro 27.15% 98.90% 22.79% 99.40% 0.00 0.00% 0.00 0.00% 0.793 Top

327 SD Faulk Non-metro 29.17% 99.40% 19.43% 98.90% 0.00 0.00% 0.00 0.00% 0.793 Top

328 NV Pershing Non-metro 32.90% 99.80% 18.01% 98.40% 0.00 0.00% 0.00 0.00% 0.793 Top

329 NC Orange Durham-Chapel Hill, NC MSA 16.46% 76.90% 11.54% 86.60% 2.23 80.20% 10.16 58.50% 0.793 Top

330 CA Stanislaus Modesto, CA MSA 20.87% 94.00% 11.74% 87.50% 0.00 0.00% 12.69 66.70% 0.793 Top

331 MT Chouteau Non-metro 23.83% 97.20% 10.64% 80.90% 0.00 0.00% 18.76 80.00% 0.792 Top

332 AL Pickens Non-metro 25.82% 98.40% 25.33% 99.70% 0.00 0.00% 0.00 0.00% 0.792 Top

333 MD Worcester Non-metro 16.54% 77.30% 10.70% 81.40% 13.04 92.80% 11.77 64.10% 0.792 Top

334 MT Dawson Non-metro 28.16% 99.10% 19.19% 98.80% 0.00 0.00% 0.00 0.00% 0.792 Top

335 UT Utah Provo-Orem, UT MSA 16.64% 78.00% 9.93% 74.60% 5.55 86.70% 36.46 94.40% 0.792 Top

336 KY Powell Non-metro 26.55% 98.70% 20.20% 99.10% 0.00 0.00% 0.00 0.00% 0.791 Top

337 ID Gooding Non-metro 20.68% 93.50% 10.67% 81.10% 0.00 0.00% 32.44 92.70% 0.791 Top

338 PA Northampton Allentown-Bethlehem-Easton, PA-NJ MSA 16.04% 74.40% 10.95% 83.30% 14.35 93.20% 12.81 66.90% 0.791 Top

339 TX Maverick Non-metro 17.96% 85.00% 12.29% 89.50% 12.76 92.70% 0.00 0.00% 0.791 Top

340 PA Snyder Non-metro 19.36% 90.10% 12.52% 90.20% 0.00 0.00% 13.56 69.40% 0.791 Top

341 KY Daviess Owensboro, KY MSA 16.93% 79.70% 11.05% 84.10% 10.70 91.30% 5.94 43.80% 0.790 Top

13 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 14: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

342 NC Martin Non-metro 16.18% 75.40% 10.70% 81.40% 6.90 88.20% 15.81 74.70% 0.790 Top

343 ID Ada Boise City-Nampa, ID MSA 18.92% 88.40% 11.44% 86.00% 0.00 0.00% 32.02 92.40% 0.790 Top

344 ME Lincoln Non-metro 17.14% 80.90% 10.09% 76.00% 10.53 91.20% 14.23 71.10% 0.790 Top

345 PA Lehigh Allentown-Bethlehem-Easton, PA-NJ MSA 16.32% 76.20% 10.87% 82.70% 7.95 89.40% 11.85 64.40% 0.789 Top

346 CA San Joaquin Stockton, CA MSA 20.38% 92.70% 12.94% 91.50% 0.00 0.00% 8.33 52.50% 0.789 Top

347 IL Grundy Chicago-Joliet-Naperville, IL MD 17.32% 82.10% 10.38% 78.60% 6.10 87.40% 10.25 58.80% 0.789 Top

348 OH Miami Dayton, OH MSA 19.65% 90.80% 11.67% 87.20% 0.00 0.00% 16.99 76.90% 0.789 Top

349 MO Mercer Non-metro 24.44% 97.70% 23.37% 99.50% 0.00 0.00% 0.00 0.00% 0.789 Top

350 OH Clermont Cincinnati-Middletown, OH-KY-IN MSA 16.72% 78.30% 10.17% 76.70% 1.36 77.80% 28.78 90.70% 0.789 Top

351 SD Roberts Non-metro 19.41% 90.30% 10.75% 81.90% 471.70 99.60% 0.00 0.00% 0.788 Top

352 ND Stark Non-metro 20.60% 93.20% 13.09% 92.20% 0.00 0.00% 6.67 46.40% 0.788 Top

353 CO San Miguel Non-metro 19.64% 90.80% 12.64% 90.70% 0.00 0.00% 11.16 61.90% 0.788 Top

354 TX Carson Amarillo, TX MSA 24.25% 97.60% 21.48% 99.30% 0.00 0.00% 0.00 0.00% 0.788 Top

355 MO Madison Non-metro 18.78% 88.10% 13.55% 93.50% 0.00 0.00% 10.92 60.90% 0.787 Top

356 TX Dallam Non-metro 21.16% 94.40% 11.56% 86.70% 0.00 0.00% 11.38 62.70% 0.787 Top

357 SD Grant Non-metro 16.24% 75.80% 15.22% 96.10% 119.68 99.00% 0.00 0.00% 0.787 Top

358 MT Ravalli Non-metro 17.41% 82.50% 10.03% 75.40% 9.67 90.70% 11.80 64.20% 0.787 Top

359 WA Snohomish Seattle-Bellevue-Everett, WA MD 17.40% 82.40% 9.97% 74.90% 0.99 76.70% 18.84 80.20% 0.786 Top

360 CA Santa Cruz Santa Cruz-Watsonville, CA MSA 20.15% 92.20% 11.04% 84.00% 0.00 0.00% 19.62 81.10% 0.786 Top

361 WA Clark Portland-Vancouver-Hillsboro, OR-WA MSA 19.53% 90.60% 11.30% 85.20% 0.00 0.00% 20.18 81.90% 0.785 Top

362 TX Orange Beaumont-Port Arthur, TX MSA 16.57% 77.60% 11.16% 84.60% 1.81 79.20% 9.63 56.80% 0.785 Top

363 TX Zavala Non-metro 15.23% 67.60% 10.96% 83.40% 29.27 96.10% 22.08 84.40% 0.785 Top

364 GA Tift Non-metro 18.95% 88.50% 13.61% 93.60% 0.00 0.00% 9.35 56.00% 0.784 Top

365 ME Penobscot Bangor, ME MSA 16.86% 79.30% 9.87% 74.10% 6.14 87.50% 20.65 82.60% 0.784 Top

366 IN Perry Non-metro 18.85% 88.20% 14.88% 95.70% 0.00 0.00% 7.09 47.90% 0.784 Top

367 CA Madera Madera-Chowchilla, CA MSA 19.88% 91.70% 11.67% 87.20% 0.00 0.00% 12.92 67.20% 0.783 Top

368 CO Douglas Denver-Aurora-Broomfield, CO MSA 18.41% 86.90% 12.66% 90.80% 0.00 0.00% 14.61 71.90% 0.783 Top

369 ND Grand Forks Grand Forks, ND-MN MSA 20.51% 93.00% 10.61% 80.70% 0.00 0.00% 24.97 87.80% 0.783 Top

370 WY Natrona Casper, WY MSA 19.65% 90.90% 13.06% 92.10% 0.00 0.00% 7.61 49.70% 0.782 Top

371 MI Allegan Non-metro 19.79% 91.40% 10.74% 81.80% 0.00 0.00% 26.36 88.70% 0.782 Top

372 TX Burnet Non-metro 16.66% 78.10% 11.51% 86.40% 5.69 87.00% 3.79 36.40% 0.781 Top

14 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 15: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

373 CA Colusa Non-metro 20.85% 93.90% 12.39% 89.80% 0.00 0.00% 6.54 46.10% 0.781 Top

374 NE Box Butte Non-metro 15.34% 68.70% 11.18% 84.70% 11.07 91.80% 16.23 75.40% 0.781 Top

375 NV Eureka Non-metro 22.63% 96.10% 20.78% 99.10% 0.00 0.00% 0.00 0.00% 0.781 Top

376 IL Woodford Peoria, IL MSA 24.00% 97.30% 16.85% 97.80% 0.00 0.00% 0.00 0.00% 0.780 Top

377 PA Beaver Pittsburgh, PA MSA 15.89% 73.00% 10.81% 82.30% 6.87 88.20% 14.18 71.00% 0.780 Top

378 ID Idaho Non-metro 21.03% 94.30% 10.45% 79.40% 0.00 0.00% 22.61 85.20% 0.780 Top

379 TX Hemphill Non-metro 25.27% 98.20% 15.70% 96.80% 0.00 0.00% 0.00 0.00% 0.780 Top

380 WA Lincoln Non-metro 24.93% 97.90% 15.84% 97.00% 0.00 0.00% 0.00 0.00% 0.780 Top

381 TN Weakley Non-metro 15.88% 73.00% 12.72% 90.90% 4.94 86.00% 4.19 37.90% 0.780 Top

382 PA Juniata Non-metro 20.13% 92.20% 12.59% 90.50% 0.00 0.00% 7.11 48.00% 0.779 Top

383 OH Geauga Cleveland-Elyria-Mentor, OH MSA 19.00% 88.60% 10.75% 81.90% 0.00 0.00% 42.97 96.40% 0.778 Top

384 TX Mills Non-metro 22.54% 96.00% 18.51% 98.60% 0.00 0.00% 0.00 0.00% 0.778 Top

385 NE Gage Non-metro 18.11% 85.70% 11.29% 85.20% 0.00 0.00% 36.70 94.60% 0.778 Top

386 AK Denali Non-metro 23.96% 97.30% 16.13% 97.20% 0.00 0.00% 0.00 0.00% 0.778 Top

387 TX Kenedy Non-metro 21.43% 94.80% 25.00% 99.70% 0.00 0.00% 0.00 0.00% 0.778 Top

388 CO Boulder Boulder, CO MSA 18.49% 87.20% 11.99% 88.40% 0.00 0.00% 16.30 75.50% 0.778 Top

389 MO Jefferson St. Louis, MO-IL MSA 17.23% 81.40% 10.12% 76.30% 2.67 81.40% 12.27 65.70% 0.778 Top

390 MT Sheridan Non-metro 22.61% 96.00% 18.16% 98.40% 0.00 0.00% 0.00 0.00% 0.778 Top

391 CO Denver Denver-Aurora-Broomfield, CO MSA 17.80% 84.30% 12.09% 89.00% 0.00 0.00% 21.88 84.20% 0.777 Top

392 VA Fairfax Washington-Arlington-Alexandria, DC-VA-MD-WV MD 16.53% 77.20% 11.43% 85.80% 1.45 78.20% 6.85 47.10% 0.777 Top

393 TN Obion Non-metro 22.03% 95.40% 19.02% 98.70% 0.00 0.00% 0.00 0.00% 0.776 Top

394 NC Forsyth Winston-Salem, NC MSA 16.18% 75.40% 10.97% 83.40% 1.83 79.20% 11.00 61.20% 0.776 Top

395 OH Knox Non-metro 20.38% 92.70% 12.54% 90.30% 0.00 0.00% 5.86 43.50% 0.776 Top

396 KY Oldham Louisville/Jefferson County, KY-IN MSA 16.88% 79.30% 10.25% 77.40% 11.04 91.80% 9.59 56.70% 0.775 Top

397 MT Lincoln Non-metro 19.60% 90.70% 13.49% 93.20% 0.00 0.00% 4.76 39.70% 0.775 Top

398 SC Richland Columbia, SC MSA 16.72% 78.30% 10.85% 82.60% 0.35 74.90% 9.63 56.80% 0.775 Top

399 ID Twin Falls Non-metro 18.20% 86.00% 9.73% 73.20% 1.53 78.40% 10.59 59.80% 0.775 Top

400 DE Sussex Non-metro 19.20% 89.40% 11.18% 84.70% 0.00 0.00% 17.88 78.50% 0.775 Top

401 IL Coles Non-metro 19.92% 91.80% 11.69% 87.30% 0.00 0.00% 10.17 58.50% 0.775 Top

402 PA Wyoming Scranton--Wilkes-Barre, PA MSA 19.96% 91.90% 12.95% 91.60% 0.00 0.00% 4.90 40.40% 0.774 Top

403 ID Owyhee Boise City-Nampa, ID MSA 18.66% 87.80% 11.21% 84.70% 0.00 0.00% 21.95 84.30% 0.774 Top

15 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 16: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

404 CA Glenn Non-metro 29.73% 99.60% 13.73% 93.90% 0.00 0.00% 0.00 0.00% 0.774 Top

405 KS Ellis Non-metro 19.12% 89.10% 10.80% 82.20% 0.00 0.00% 25.93 88.50% 0.774 Top

406 TX Denton Dallas-Plano-Irving, TX MD 15.81% 72.50% 10.45% 79.40% 4.57 85.20% 19.26 80.60% 0.773 Top

407 MD Montgomery Bethesda-Rockville-Frederick, MD MD 16.60% 77.70% 10.82% 82.30% 3.46 83.00% 7.80 50.40% 0.773 Top

408 MT Wibaux Non-metro 21.74% 95.00% 17.74% 98.30% 0.00 0.00% 0.00 0.00% 0.773 Top

409 ID Bonner Non-metro 18.29% 86.60% 10.74% 81.80% 0.00 0.00% 89.77 99.40% 0.773 Top

410 VA Falls Church Washington-Arlington-Alexandria, DC-VA-MD-WV MD 19.32% 90.00% 13.79% 94.00% 0.00 0.00% 3.88 36.90% 0.773 Top

411 TX Jim Wells Non-metro 18.23% 86.30% 10.98% 83.50% 15.22 93.50% 0.00 0.00% 0.773 Top

412 OH Clinton Non-metro 16.02% 74.20% 10.48% 79.70% 3.24 82.60% 15.61 74.20% 0.772 Top

413 TX Smith Tyler, TX MSA 16.92% 79.50% 10.13% 76.40% 3.04 82.30% 12.56 66.40% 0.772 Top

414 AL Shelby Birmingham-Hoover, AL MSA 19.74% 91.20% 10.99% 83.70% 0.00 0.00% 14.93 72.70% 0.772 Top

415 TN Dyer Non-metro 21.14% 94.40% 18.45% 98.60% 0.00 0.00% 0.00 0.00% 0.772 Top

416 AR Faulkner Little Rock-North Little Rock-Conway, AR MSA 19.69% 91.00% 13.88% 94.10% 0.00 0.00% 1.06 31.30% 0.772 Top

417 SD Lawrence Non-metro 16.57% 77.60% 13.08% 92.20% 0.00 0.00% 32.11 92.40% 0.772 Top

418 WA Adams Non-metro 23.07% 96.60% 15.30% 96.30% 0.00 0.00% 0.00 0.00% 0.772 Top

419 AK Skagway Non-metro 31.90% 99.70% 13.46% 93.10% 0.00 0.00% 0.00 0.00% 0.771 Top

420 MT Prairie Non-metro 20.69% 93.50% 21.62% 99.30% 0.00 0.00% 0.00 0.00% 0.771 Top

421 CA Butte Chico, CA MSA 27.39% 99.00% 11.34% 85.50% 0.00 0.00% 2.68 33.20% 0.771 Top

422 OH Fulton Toledo, OH MSA 17.48% 82.90% 12.61% 90.50% 0.00 0.00% 17.37 77.60% 0.771 Top

423 IL McLean Bloomington-Normal, IL MSA 18.19% 86.00% 11.98% 88.30% 0.00 0.00% 15.43 73.70% 0.771 Top

424 WI Waushara Non-metro 19.19% 89.30% 8.74% 63.50% 26.88 95.70% 11.74 64.00% 0.771 Top

425 WI Dane Madison, WI MSA 15.86% 72.80% 10.25% 77.40% 1.22 77.50% 32.23 92.50% 0.771 Top

426 AR White Non-metro 21.58% 94.90% 16.82% 97.80% 0.00 0.00% 0.00 0.00% 0.771 Top

427 MN Olmsted Rochester, MN MSA 17.40% 82.50% 12.18% 89.20% 0.00 0.00% 21.19 83.50% 0.770 Top

428 MS Clarke Non-metro 17.89% 84.70% 15.71% 96.80% 0.00 0.00% 5.98 44.00% 0.770 Top

429 TX Lamb Non-metro 20.97% 94.20% 17.89% 98.30% 0.00 0.00% 0.00 0.00% 0.770 Top

430 CA Alpine Non-metro 20.86% 93.90% 18.28% 98.50% 0.00 0.00% 0.00 0.00% 0.770 Top

431 OK Washington Non-metro 18.22% 86.20% 15.52% 96.50% 0.00 0.00% 4.45 38.80% 0.770 Top

432 OH Greene Dayton, OH MSA 16.49% 77.10% 9.52% 71.20% 3.70 83.50% 32.64 92.90% 0.770 Top

433 DE New Castle Wilmington, DE-MD-NJ MD 16.96% 79.80% 10.21% 77.10% 0.49 75.30% 12.61 66.50% 0.769 Top

434 MO Randolph Non-metro 20.68% 93.50% 19.04% 98.80% 0.00 0.00% 0.00 0.00% 0.769 Top

16 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 17: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

435 GA Baker Albany, GA MSA 20.57% 93.10% 20.78% 99.10% 0.00 0.00% 0.00 0.00% 0.769 Top

436 NC Iredell Non-metro 17.32% 82.10% 10.49% 79.80% 1.40 78.00% 5.75 43.20% 0.769 Top

437 MN Wilkin Non-metro 22.81% 96.30% 15.01% 95.90% 0.00 0.00% 0.00 0.00% 0.769 Top

438 CA Calaveras Non-metro 20.18% 92.30% 11.27% 85.20% 0.00 0.00% 10.17 58.50% 0.769 Top

439 CO Broomfield Denver-Aurora-Broomfield, CO MSA 17.97% 85.00% 12.21% 89.30% 0.00 0.00% 13.95 70.50% 0.768 Top

440 TX Hale Non-metro 16.03% 74.30% 14.12% 94.50% 0.00 0.00% 31.71 92.20% 0.767 Top

441 MT Sanders Non-metro 21.81% 95.10% 15.62% 96.70% 0.00 0.00% 0.00 0.00% 0.767 Top

442 AK Kodiak Island Non-metro 22.82% 96.40% 14.75% 95.40% 0.00 0.00% 0.00 0.00% 0.767 Top

443 MT Lake Non-metro 17.81% 84.30% 10.05% 75.60% 3.51 83.20% 6.11 44.30% 0.767 Top

444 UT Beaver Non-metro 22.84% 96.40% 9.80% 73.60% 0.00 0.00% 24.04 86.50% 0.767 Top

445 CA Amador Non-metro 19.34% 90.00% 11.43% 85.80% 0.00 0.00% 11.51 63.20% 0.766 Top

446 KY Montgomery Non-metro 17.18% 81.20% 13.56% 93.50% 0.00 0.00% 12.98 67.40% 0.766 Top

447 MA Berkshire Pittsfield, MA MSA 17.06% 80.60% 10.29% 77.80% 2.46 80.80% 8.22 51.80% 0.766 Top

448 SD Edmunds Non-metro 17.00% 80.10% 11.53% 86.50% 157.30 99.30% 0.00 0.00% 0.766 Top

449 NY Cortland Non-metro 19.11% 89.00% 8.46% 60.00% 3.47 83.00% 23.78 86.30% 0.765 Top

450 KS Douglas Lawrence, KS MSA 17.25% 81.70% 11.46% 86.10% 0.00 0.00% 33.64 93.30% 0.765 Top

451 CA Sutter Yuba City, CA MSA 18.54% 87.40% 11.81% 87.80% 0.00 0.00% 11.48 62.90% 0.764 Top

452 NY Cayuga Non-metro 18.30% 86.60% 8.40% 59.30% 4.00 84.10% 40.87 95.80% 0.764 Top

453 TX Goliad Victoria, TX MSA 16.84% 79.20% 11.97% 88.20% 16.34 93.80% 0.00 0.00% 0.763 Top

454 MT Jefferson Non-metro 19.29% 89.70% 11.65% 87.20% 0.00 0.00% 9.28 55.70% 0.763 Top

455 PA Montgomery Philadelphia, PA MD 16.81% 78.90% 10.16% 76.60% 1.01 76.80% 11.86 64.40% 0.763 Top

456 NC Wake Raleigh-Cary, NC MSA 16.15% 75.20% 10.73% 81.70% 2.37 80.50% 8.99 54.80% 0.763 Top

457 OH Cuyahoga Cleveland-Elyria-Mentor, OH MSA 16.29% 76.00% 9.71% 73.10% 0.95 76.40% 27.74 89.90% 0.763 Top

458 MN Sherburne Minneapolis-St. Paul-bloomington, MN-WI MSA 16.32% 76.20% 9.54% 71.60% 1.34 77.80% 34.72 93.50% 0.763 Top

459 MD Wicomico Salisbury, MD MSA 15.21% 67.30% 11.34% 85.50% 41.43 97.30% 8.59 53.50% 0.762 Top

460 ID Custer Non-metro 22.09% 95.40% 14.32% 94.90% 0.00 0.00% 0.00 0.00% 0.761 Top

461 TX Taylor Abilene, TX MSA 15.95% 73.50% 9.46% 70.80% 12.56 92.60% 29.24 91.20% 0.761 Top

462 OH Wayne Non-metro 18.78% 88.10% 10.78% 82.00% 0.00 0.00% 18.55 79.80% 0.760 Top

463 OH Guernsey Non-metro 16.99% 80.00% 11.53% 86.50% 0.00 0.00% 35.64 94.10% 0.760 Top

464 OH Ashland Non-metro 18.33% 86.70% 11.15% 84.50% 0.00 0.00% 16.20 75.20% 0.760 Top

465 TX Lubbock Lubbock, TX MSA 15.71% 71.60% 10.51% 79.90% 0.45 75.10% 17.86 78.50% 0.760 Top

17 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 18: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

466 IA Iowa Non-metro 16.42% 76.60% 13.38% 92.90% 0.00 0.00% 19.96 81.40% 0.759 Top

467 IN Wayne Non-metro 17.26% 81.70% 12.03% 88.70% 0.00 0.00% 17.50 77.80% 0.759 Top

468 WA Skagit Mount Vernon-Anacortes, WA MSA 18.60% 87.60% 10.93% 83.10% 0.00 0.00% 16.40 75.80% 0.759 Top

469 NE Cherry Non-metro 15.78% 72.30% 13.87% 94.10% 0.00 0.00% 32.64 92.90% 0.759 Top

470 MA Dukes Non-metro 21.09% 94.30% 10.93% 83.10% 0.00 0.00% 7.33 48.70% 0.758 Top

471 AR Benton Fayetteville-Springdale-Rogers, AR-MO MSA 16.76% 78.50% 12.87% 91.40% 0.00 0.00% 17.74 78.30% 0.758 Top

472 MO Morgan Non-metro 17.85% 84.60% 14.41% 95.00% 0.00 0.00% 4.68 39.50% 0.758 Top

473 MD Howard Baltimore-Towson, MD MSA 18.41% 86.90% 11.36% 85.60% 0.00 0.00% 13.10 67.80% 0.758 Top

474 OR Clatsop Non-metro 19.05% 88.80% 11.71% 87.40% 0.00 0.00% 8.34 52.60% 0.757 Top

475 TX Williamson Austin-Round Rock-San Marcos, TX MSA 15.98% 73.80% 9.73% 73.20% 10.47 91.10% 17.62 78.10% 0.757 Top

476 OK Comanche Lawton, OK MSA 14.30% 60.10% 12.51% 90.10% 24.31 95.30% 10.98 61.10% 0.757 Top

477 SC Beaufort Non-metro 18.88% 88.30% 12.54% 90.30% 0.00 0.00% 5.65 42.70% 0.757 Top

478 NY Saratoga Albany-Schenectady-Troy, NY MSA 17.47% 82.80% 8.70% 62.90% 2.27 80.30% 35.48 93.90% 0.757 Top

479 NC Cleveland Non-metro 17.47% 82.80% 10.25% 77.40% 1.57 78.50% 4.12 37.70% 0.757 Top

480 PA Clearfield Non-metro 18.53% 87.30% 13.39% 92.90% 0.00 0.00% 3.35 35.40% 0.756 Top

481 AL Baldwin Non-metro 18.15% 85.90% 11.42% 85.80% 0.00 0.00% 13.50 69.30% 0.756 Top

482 CA Riverside Riverside-San Bernardino-Ontario, CA MSA 18.28% 86.50% 11.01% 83.80% 0.00 0.00% 15.86 74.80% 0.756 Top

483 IL Douglas Non-metro 18.72% 87.90% 12.53% 90.20% 0.00 0.00% 5.83 43.50% 0.756 Top

484 ND Slope Non-metro 22.64% 96.10% 13.33% 92.70% 0.00 0.00% 0.00 0.00% 0.755 Top

485 MN Wright Minneapolis-St. Paul-bloomington, MN-WI MSA 16.21% 75.60% 9.55% 71.70% 1.77 79.00% 23.96 86.40% 0.755 Top

486 NC Currituck Virginia Beach-Norfolk-Newport News, VA-NC MSA 16.43% 76.70% 10.68% 81.20% 4.53 85.10% 4.13 37.70% 0.754 Top

487 WA Asotin Lewiston, ID-WA MSA 21.88% 95.20% 13.52% 93.30% 0.00 0.00% 0.00 0.00% 0.754 Top

488 MO St. Louis St. Louis, MO-IL MSA 16.09% 74.80% 9.48% 71.00% 42.49 97.40% 15.10 73.00% 0.754 Top

489 ID Boundary Non-metro 19.39% 90.20% 10.34% 78.40% 0.00 0.00% 18.03 79.00% 0.753 Top

490 KY Bracken Cincinnati-Middletown, OH-KY-IN MSA 17.16% 81.10% 12.46% 90.00% 0.00 0.00% 13.40 69.00% 0.753 Top

491 VA Winchester Winchester, VA-WV MSA 18.07% 85.50% 11.88% 88.00% 0.00 0.00% 10.45 59.40% 0.753 Top

492 NY Orleans Rochester, NY MSA 19.70% 91.10% 7.84% 53.50% 8.75 89.90% 22.14 84.50% 0.753 Top

493 OR Marion Salem, OR MSA 16.58% 77.70% 9.69% 72.90% 0.51 75.40% 15.70 74.40% 0.752 Top

494 IL Greene Non-metro 16.89% 79.40% 13.15% 92.30% 0.00 0.00% 12.06 65.10% 0.752 Top

495 NY Broome Binghamton, NY MSA 15.61% 70.90% 9.55% 71.70% 4.98 86.00% 40.33 95.50% 0.752 Top

496 OH Holmes Non-metro 22.11% 95.50% 11.00% 83.80% 0.00 0.00% 3.17 34.70% 0.752 Top

18 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 19: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

497 SC Lexington Columbia, SC MSA 16.21% 75.70% 10.35% 78.50% 0.95 76.50% 10.13 58.30% 0.752 Top

498 SC York Charlotte-Gastonia-Rock Hill, NC-SC MSA 18.26% 86.50% 11.46% 86.10% 0.00 0.00% 10.86 60.70% 0.751 Top

499 NY Erie Buffalo-Niagara Falls, NY MSA 17.31% 82.00% 8.80% 64.00% 0.72 75.90% 29.00 91.00% 0.751 Top

500 ID Gem Boise City-Nampa, ID MSA 17.22% 81.40% 11.50% 86.30% 0.00 0.00% 18.65 79.90% 0.751 Top

501 ID Bonneville Idaho Falls, ID MSA 18.22% 86.20% 10.49% 79.80% 0.00 0.00% 24.00 86.50% 0.751 Top

502 UT Millard Non-metro 18.71% 87.80% 9.99% 75.20% 0.00 0.00% 62.06 98.40% 0.750 Top

503 OR Lane Eugene-Springfield, OR MSA 17.08% 80.70% 9.63% 72.40% 1.09 77.00% 10.93 60.90% 0.750 Top

504 CA Tehama Non-metro 21.39% 94.60% 10.95% 83.30% 0.00 0.00% 4.37 38.40% 0.750 Top

505 VT Washington Non-metro 16.94% 79.80% 8.77% 63.80% 5.44 86.60% 26.88 89.00% 0.750 Top

506 KY Fayette Lexington-Fayette, KY MSA 15.70% 71.50% 9.76% 73.40% 53.41 97.90% 14.78 72.30% 0.750 Top

507 NV Nye Non-metro 18.54% 87.40% 11.22% 84.90% 0.00 0.00% 10.82 60.60% 0.750 Top

508 CA Fresno Fresno, CA MSA 19.19% 89.40% 10.74% 81.80% 0.00 0.00% 11.95 64.80% 0.750 Top

509 CO San Juan Non-metro 19.86% 91.60% 15.00% 95.80% 0.00 0.00% 0.00 0.00% 0.750 Top

510 IA Ringgold Non-metro 19.83% 91.50% 15.00% 95.80% 0.00 0.00% 0.00 0.00% 0.749 Top

511 NC Harnett Non-metro 16.15% 75.10% 10.67% 81.10% 1.45 78.20% 6.59 46.20% 0.749 Top

512 IL St. Clair St. Louis, MO-IL MSA 16.37% 76.50% 9.83% 73.90% 9.00 90.10% 9.24 55.60% 0.747 Top

513 TX Kerr Non-metro 16.36% 76.40% 10.32% 78.20% 35.26 96.70% 1.62 31.60% 0.747 Top

514 MO Scotland Non-metro 20.90% 94.10% 13.26% 92.50% 0.00 0.00% 0.00 0.00% 0.746 Top

515 NY Allegany Non-metro 15.72% 71.80% 9.83% 73.90% 3.23 82.60% 19.56 81.00% 0.746 Top

516 IN Knox Non-metro 17.46% 82.80% 13.43% 93.00% 0.00 0.00% 5.71 43.10% 0.746 Top

517 ID Payette Non-metro 18.80% 88.20% 10.54% 80.10% 0.00 0.00% 14.88 72.60% 0.746 Top

518 MN Koochiching Non-metro 16.96% 79.90% 9.39% 69.80% 18.54 94.20% 8.40 52.80% 0.746 Top

519 AK Valdez-Cordova Non-metro 19.99% 92.00% 13.98% 94.30% 0.00 0.00% 0.00 0.00% 0.745 Top

520 MA Worcester Worcester, MA MSA 16.78% 78.60% 9.09% 66.70% 3.54 83.30% 19.29 80.70% 0.745 Top

521 VA Hanover Richmond, VA MSA 16.84% 79.10% 9.54% 71.60% 2.25 80.30% 11.20 62.10% 0.745 Top

522 MT Cascade Great Falls, MT MSA 17.27% 81.80% 11.64% 87.10% 0.00 0.00% 13.60 69.50% 0.745 Top

523 IL Macon Decatur, IL MSA 16.36% 76.40% 10.32% 78.20% 1.34 77.80% 7.22 48.40% 0.745 Top

524 AR Washington Fayetteville-Springdale-Rogers, AR-MO MSA 17.24% 81.50% 12.62% 90.60% 0.00 0.00% 9.36 56.10% 0.745 Top

525 OH Wood Toledo, OH MSA 16.12% 75.00% 11.60% 86.90% 0.00 0.00% 45.74 96.90% 0.745 Top

526 WA Whitman Non-metro 16.84% 79.20% 11.35% 85.60% 0.00 0.00% 22.54 85.10% 0.744 Top

527 KY Kenton Cincinnati-Middletown, OH-KY-IN MSA 15.33% 68.60% 10.44% 79.30% 3.74 83.50% 13.27 68.30% 0.743 Top

19 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 20: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

528 PA Lawrence Non-metro 17.31% 82.10% 11.25% 85.10% 0.00 0.00% 15.71 74.50% 0.743 Top

529 TX Oldham Non-metro 24.88% 97.90% 11.86% 87.90% 0.00 0.00% 0.00 0.00% 0.743 Top

530 WA Whatcom Bellingham, WA MSA 19.27% 89.60% 10.09% 76.00% 0.00 0.00% 19.37 80.70% 0.743 Top

531 NY Rensselaer Albany-Schenectady-Troy, NY MSA 17.82% 84.40% 8.20% 57.30% 12.71 92.70% 21.31 83.60% 0.743 Top

532 OH Union Columbus, OH MSA 17.10% 80.80% 8.39% 59.10% 33.79 96.50% 24.06 86.60% 0.743 Top

533 TX Wheeler Non-metro 19.02% 88.70% 15.72% 96.90% 0.00 0.00% 0.00 0.00% 0.742 Top

534 MO Cape Girardeau Cape Girardeau-Jackson, MO-IL MSA 19.33% 90.00% 11.50% 86.30% 0.00 0.00% 4.01 37.10% 0.742 Top

535 NM Sandoval Albuquerque, NM MSA 15.61% 70.90% 10.37% 78.60% 5.95 87.20% 9.81 57.10% 0.742 Top

536 MD Carroll Baltimore-Towson, MD MSA 18.68% 87.80% 10.85% 82.60% 0.00 0.00% 10.84 60.70% 0.742 Top

537 MO Jackson Kansas City, MO-KS MSA 16.09% 74.80% 9.66% 72.60% 0.20 74.50% 17.34 77.60% 0.742 Top

538 UT Rich Non-metro 20.76% 93.70% 9.13% 67.00% 0.00 0.00% 69.20 98.90% 0.742 Top

539 MO Bollinger Cape Girardeau-Jackson, MO-IL MSA 19.30% 89.80% 9.62% 72.20% 0.00 0.00% 34.78 93.60% 0.742 Top

540 NM Santa Fe Santa Fe, NM MSA 15.59% 70.70% 10.48% 79.70% 2.73 81.60% 10.14 58.40% 0.742 Top

541 VA Manassas Washington-Arlington-Alexandria, DC-VA-MD-WV MD 18.20% 86.10% 10.98% 83.50% 0.00 0.00% 11.50 63.10% 0.742 Top

542 CO Jefferson Denver-Aurora-Broomfield, CO MSA 17.06% 80.60% 11.44% 86.00% 0.00 0.00% 16.10 75.10% 0.742 Top

543 WI Dodge Non-metro 18.92% 88.40% 10.03% 75.40% 0.00 0.00% 23.45 85.90% 0.741 Top

544 MA Franklin Springfield, MA MSA 15.78% 72.20% 9.93% 74.60% 4.34 84.70% 13.42 69.10% 0.741 Top

545 CO Weld Greeley, CO MSA 17.67% 83.80% 10.72% 81.60% 0.00 0.00% 18.08 79.10% 0.741 Top

546 MO Greene Springfield, MO MSA 16.45% 76.90% 11.01% 83.80% 0.00 0.00% 51.83 97.70% 0.741 Top

547 AR Conway Non-metro 16.58% 77.70% 11.21% 84.70% 0.00 0.00% 28.99 90.80% 0.740 Top

548 ND Adams Non-metro 19.29% 89.80% 14.71% 95.30% 0.00 0.00% 0.00 0.00% 0.740 Top

549 TX Stephens Non-metro 18.98% 88.60% 15.37% 96.40% 0.00 0.00% 0.00 0.00% 0.740 Top

550 GA Fulton Atlanta-Sandy Springs-Marietta, GA MSA 15.12% 66.80% 10.48% 79.70% 6.95 88.40% 12.20 65.50% 0.740 Top

551 TX Victoria Victoria, TX MSA 19.84% 91.50% 9.44% 70.50% 11.30 91.90% 0.00 0.00% 0.740 Top

552 PA Elk Non-metro 18.72% 87.90% 10.88% 82.80% 0.00 0.00% 9.72 57.00% 0.740 Top

553 VA Smyth Non-metro 14.91% 65.30% 10.71% 81.50% 67.19 98.20% 8.80 54.30% 0.740 Top

554 VA Harrisonburg Harrisonburg, VA MSA 16.78% 78.70% 11.55% 86.60% 0.00 0.00% 17.74 78.30% 0.740 Top

555 GA Gordon Non-metro 15.92% 73.40% 12.68% 90.80% 0.00 0.00% 20.36 82.20% 0.739 Top

556 IL Clinton St. Louis, MO-IL MSA 17.89% 84.60% 11.88% 88.00% 0.00 0.00% 7.23 48.40% 0.739 Top

557 WI Green Lake Non-metro 16.88% 79.40% 9.52% 71.20% 12.23 92.30% 6.07 44.10% 0.739 Top

558 WY Teton Non-metro 18.11% 85.70% 12.71% 90.90% 0.00 0.00% 1.90 31.80% 0.738 Top

20 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 21: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

559 ID Canyon Boise City-Nampa, ID MSA 17.85% 84.50% 10.28% 77.80% 0.00 0.00% 26.83 88.90% 0.738 Top

560 UT Davis Ogden-Clearfield, UT MSA 15.67% 71.40% 9.19% 68.10% 7.10 88.50% 29.12 91.10% 0.738 Top

561 CT Fairfield Bridgeport-Stamford-Norwalk, CT MSA 18.57% 87.50% 10.87% 82.70% 0.00 0.00% 9.56 56.50% 0.737 Top

562 NC Graham Non-metro 20.31% 92.60% 12.98% 91.70% 0.00 0.00% 0.00 0.00% 0.737 Top

563 PA Somerset Non-metro 18.05% 85.40% 12.76% 91.00% 0.00 0.00% 1.60 31.50% 0.737 Top

564 VA Sussex Richmond, VA MSA 16.12% 75.00% 12.99% 91.80% 0.00 0.00% 13.66 69.80% 0.737 Top

565 VA King and Queen Richmond, VA MSA 20.48% 92.90% 12.85% 91.30% 0.00 0.00% 0.00 0.00% 0.737 Top

566 OH Shelby Non-metro 19.67% 91.00% 10.11% 76.10% 0.00 0.00% 13.20 68.10% 0.737 Top

567 NM Lea Non-metro 16.21% 75.60% 8.82% 64.10% 2.68 81.40% 41.57 96.00% 0.736 Top

568 AR Sebastian Fort Smith, AR-OK MSA 17.80% 84.20% 13.02% 91.90% 0.00 0.00% 1.80 31.70% 0.736 Top

569 MT Pondera Non-metro 18.92% 88.50% 14.82% 95.50% 0.00 0.00% 0.00 0.00% 0.736 Top

570 OH Defiance Non-metro 17.24% 81.60% 11.84% 87.90% 0.00 0.00% 10.02 57.90% 0.736 Top

571 ID Lewis Non-metro 21.61% 95.00% 12.08% 88.90% 0.00 0.00% 0.00 0.00% 0.736 Top

572 NH Hillsborough Manchester-Nashua, NH MSA 15.87% 72.80% 9.29% 69.10% 1.21 77.40% 28.07 90.20% 0.735 Top

573 ND Pierce Non-metro 20.38% 92.80% 12.76% 91.00% 0.00 0.00% 0.00 0.00% 0.735 Top

574 WI Pierce Minneapolis-St. Paul-Bloomington, MN-WI MSA 18.16% 85.90% 9.91% 74.50% 0.00 0.00% 33.49 93.20% 0.735 Top

575 ND Richland Non-metro 17.56% 83.40% 11.32% 85.40% 0.00 0.00% 10.33 59.10% 0.734 Top

576 MI Wexford Non-metro 16.42% 76.60% 11.12% 84.30% 0.00 0.00% 27.72 89.80% 0.733 Top

577 MT Fallon Non-metro 25.07% 98.10% 11.30% 85.20% 0.00 0.00% 0.00 0.00% 0.733 Top

578 MO Oregon Non-metro 15.69% 71.50% 13.33% 92.70% 0.00 0.00% 16.69 76.20% 0.733 Top

579 CA San Benito San Jose-Sunnyvale-Santa Clara, CA MSA 18.23% 86.30% 10.73% 81.70% 0.00 0.00% 10.72 60.40% 0.732 Top

580 MI Monroe Monroe, MI MSA 16.64% 78.10% 11.50% 86.30% 0.00 0.00% 15.69 74.30% 0.732 Top

581 NY Yates Non-metro 16.77% 78.60% 11.10% 84.30% 0.00 0.00% 18.89 80.30% 0.732 Top

582 VA Fairfax Washington-Arlington-Alexandria, DC-VA-MD-WV MD 17.02% 80.20% 11.49% 86.20% 0.00 0.00% 12.24 65.60% 0.731 Top

583 CT Litchfield Non-metro 18.26% 86.40% 10.38% 78.60% 0.00 0.00% 14.13 70.80% 0.731 Top

584 TX Young Non-metro 16.06% 74.50% 9.53% 71.40% 17.01 93.90% 8.41 53.00% 0.731 Top

585 TX DeWitt Non-metro 17.50% 83.00% 12.26% 89.40% 0.00 0.00% 5.00 40.70% 0.730 Top

586 TN Henderson Non-metro 17.97% 85.10% 16.31% 97.40% 0.00 0.00% 0.00 0.00% 0.730 Top

587 TX Hidalgo Mcallen-Edinburg-Mission, TX MSA 15.35% 68.90% 9.45% 70.70% 31.73 96.30% 16.18 75.20% 0.730 Top

588 OR Lake Non-metro 16.53% 77.30% 11.11% 84.30% 0.00 0.00% 21.05 83.20% 0.730 Top

589 NC Carteret Non-metro 17.20% 81.30% 12.79% 91.20% 0.00 0.00% 4.67 39.50% 0.730 Top

21 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 22: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

590 NY Onondaga Syracuse, NY MSA 18.51% 87.20% 7.99% 54.80% 0.30 74.80% 24.13 86.60% 0.729 Top

591 WA Douglas Wenatchee-East Wenatchee, WA MSA 19.21% 89.50% 10.53% 80.10% 0.00 0.00% 7.91 50.60% 0.729 Top

592 PA Allegheny Pittsburgh, PA MSA 14.88% 65.00% 10.30% 78.00% 7.95 89.30% 12.99 67.50% 0.729 Top

593 IN Kosciusko Non-metro 18.04% 85.30% 10.34% 78.40% 0.00 0.00% 15.55 74.00% 0.729 Top

594 NC Davidson Non-metro 16.43% 76.70% 10.00% 75.20% 1.64 78.60% 5.61 42.60% 0.729 Top

595 RI Bristol Providence-New Bedford-Fall River, RI-MA MSA 17.09% 80.80% 10.40% 78.90% 0.00 0.00% 26.89 89.00% 0.728 Top

596 PA Fayette Pittsburgh, PA MSA 17.48% 82.90% 12.45% 89.90% 0.00 0.00% 3.73 36.30% 0.728 Top

597 PA Westmoreland Pittsburgh, PA MSA 15.22% 67.40% 10.56% 80.20% 1.57 78.50% 10.13 58.30% 0.727 Top

598 VA Russell Non-metro 16.00% 74.00% 11.01% 83.80% 28.57 95.90% 0.00 0.00% 0.727 Top

599 AR Craighead Jonesboro, AR MSA 18.97% 88.50% 10.92% 83.00% 0.00 0.00% 4.87 40.20% 0.726 Top

600 CO Garfield Non-metro 17.73% 84.00% 10.67% 81.10% 0.00 0.00% 12.31 65.80% 0.726 Top

601 PA Erie Erie, PA MSA 18.39% 86.90% 11.56% 86.70% 0.00 0.00% 0.46 31.20% 0.726 Top

602 NY Jefferson Non-metro 18.58% 87.60% 9.87% 74.10% 0.00 0.00% 17.95 78.60% 0.725 Top

603 WI Jefferson Non-metro 18.72% 88.00% 9.24% 68.60% 0.00 0.00% 66.93 98.80% 0.725 Top

604 OH Fairfield Columbus, OH MSA 16.43% 76.80% 8.47% 60.00% 13.11 92.90% 22.26 84.80% 0.725 Top

605 NC Beaufort Non-metro 16.57% 77.60% 8.68% 62.70% 2.55 81.10% 20.01 81.50% 0.724 Top

606 OK Rogers Tulsa, OK MSA 15.29% 68.30% 9.57% 72.00% 14.11 93.10% 13.48 69.30% 0.724 Top

607 OH Jefferson Steubenville-Weirton, OH-WV MSA 17.47% 82.90% 10.32% 78.20% 0.00 0.00% 18.01 78.90% 0.723 Top

608 TX Hays Austin-Round Rock-San Marcos, TX MSA 15.96% 73.50% 9.24% 68.60% 11.37 92.00% 11.43 62.80% 0.723 Top

609 OK Seminole Non-metro 16.25% 75.90% 14.08% 94.50% 0.00 0.00% 5.08 40.90% 0.723 Top

610 SD Lake Non-metro 15.86% 72.80% 12.24% 89.40% 0.00 0.00% 15.40 73.60% 0.722 Top

611 ND Foster Non-metro 15.80% 72.40% 11.90% 88.10% 0.00 0.00% 18.59 79.80% 0.722 Top

612 VA Manassas Park Washington-Arlington-Alexandria, DC-VA-MD-WV MD 19.42% 90.30% 10.13% 76.40% 0.00 0.00% 8.99 54.90% 0.722 Top

613 AR Lonoke Little Rock-North Little Rock-Conway, AR MSA 17.46% 82.80% 12.35% 89.60% 0.00 0.00% 1.92 31.90% 0.722 Top

614 NC Watauga Non-metro 17.42% 82.60% 11.75% 87.50% 0.00 0.00% 5.04 40.80% 0.721 Top

615 NE Dodge Non-metro 16.90% 79.50% 12.42% 89.90% 0.00 0.00% 5.71 43.00% 0.721 Top

616 NH Strafford Rockingham County-Strafford County, NH MD 15.29% 68.30% 9.38% 69.70% 1.10 77.10% 29.62 91.40% 0.721 Top

617 PA Mercer Youngstown-Warren-Boardman, OH-PA MSA 16.93% 79.70% 10.68% 81.20% 0.00 0.00% 16.85 76.50% 0.720 Top

618 MI Macomb Warren-Troy-Farmington Hills, MI MD 17.93% 84.80% 9.57% 72.00% 0.00 0.00% 32.32 92.60% 0.720 Top

619 NE Chase Non-metro 16.79% 78.70% 10.93% 83.10% 0.00 0.00% 14.86 72.50% 0.720 Top

620 AL Lee Auburn-Opelika, AL MSA 17.77% 84.10% 10.89% 82.80% 0.00 0.00% 8.27 52.00% 0.720 Top

22 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 23: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

621 CO Logan Non-metro 17.19% 81.20% 12.06% 88.80% 0.00 0.00% 4.39 38.50% 0.719 Top

622 OK Bryan Non-metro 16.55% 77.50% 13.67% 93.80% 0.00 0.00% 2.70 33.20% 0.718 Top

623 NC Montgomery Non-metro 17.08% 80.70% 10.98% 83.50% 0.00 0.00% 11.06 61.40% 0.718 Top

624 CA San Luis Obispo San Luis Obispo-Paso Robles, CA MSA 17.55% 83.30% 9.98% 75.00% 0.00 0.00% 22.45 85.00% 0.718 Top

625 NY Madison Syracuse, NY MSA 17.94% 84.80% 7.81% 53.00% 2.02 79.70% 24.33 86.90% 0.718 Top

626 SC Greenville Greenville-Mauldin-Easley, SC MSA 16.99% 80.10% 11.16% 84.60% 0.00 0.00% 10.29 59.00% 0.718 Top

627 MI Clare Non-metro 16.48% 77.00% 12.14% 89.10% 0.00 0.00% 8.49 53.30% 0.718 Top

628 ID Jerome Non-metro 20.55% 93.10% 9.09% 66.70% 0.00 0.00% 17.41 77.70% 0.717 Top

629 NC Mecklenburg Charlotte-Gastonia-rock Hill, NC-SC MSA 15.42% 69.50% 9.85% 74.10% 3.68 83.50% 10.27 58.90% 0.717 Second

630 IA Dallas Des Moines-West Des Moines, IA MSA 16.74% 78.40% 10.92% 83.00% 0.00 0.00% 14.19 71.00% 0.717 Second

631 WA Pierce Tacoma, WA MD 15.97% 73.60% 9.22% 68.30% 0.21 74.50% 15.65 74.30% 0.716 Second

632 OH Lawrence Huntington-Ashland, WV-KY-OH MSA 15.80% 72.40% 11.30% 85.20% 0.00 0.00% 23.63 86.00% 0.716 Second

633 SD Marshall Non-metro 19.61% 90.70% 8.72% 63.30% 328.95 99.50% 0.00 0.00% 0.716 Second

634 MO Andrew St. Joseph, MO-KS MSA 17.50% 83.00% 10.19% 76.80% 0.00 0.00% 16.75 76.30% 0.716 Second

635 CA Lassen Non-metro 17.80% 84.20% 9.89% 74.40% 0.00 0.00% 19.56 81.00% 0.715 Second

636 UT Wayne Non-metro 19.87% 91.70% 8.67% 62.40% 0.00 0.00% 65.15 98.60% 0.715 Second

637 SC Jasper Non-metro 16.96% 80.00% 11.90% 88.10% 0.00 0.00% 5.56 42.40% 0.715 Second

638 PA Pike Newark-Union, NJ-PA MD 15.49% 70.10% 9.59% 72.10% 4.60 85.20% 10.86 60.70% 0.715 Second

639 CO Routt Non-metro 17.39% 82.40% 10.64% 80.90% 0.00 0.00% 11.05 61.30% 0.715 Second

640 IN Hamilton Indianapolis-Carmel, IN MSA 17.70% 84.00% 9.47% 70.80% 0.00 0.00% 38.73 95.20% 0.714 Second

641 PA Adams Non-metro 15.91% 73.30% 9.54% 71.60% 8.30 89.60% 6.26 45.10% 0.714 Second

642 CT New Haven New Haven-Milford, CT MSA 17.49% 83.00% 10.30% 78.00% 0.00 0.00% 13.79 70.10% 0.714 Second

643 TX Garza Non-metro 17.30% 81.90% 15.61% 96.60% 0.00 0.00% 0.00 0.00% 0.714 Second

644 WI Dunn Non-metro 18.21% 86.10% 9.57% 72.00% 0.00 0.00% 19.83 81.30% 0.714 Second

645 GA Cobb Atlanta-Sandy Springs-Marietta, GA MSA 15.30% 68.50% 10.04% 75.50% 2.43 80.70% 9.67 56.90% 0.714 Second

646 UT Weber Ogden-Clearfield, UT MSA 15.23% 67.60% 8.83% 64.20% 9.87 90.80% 40.32 95.50% 0.714 Second

647 TX Harris Houston-Sugar Land-baytown, TX MSA 16.02% 74.20% 8.89% 64.80% 8.39 89.70% 13.03 67.60% 0.713 Second

648 SD Walworth Non-metro 17.45% 82.70% 9.50% 71.10% 65.79 98.10% 0.00 0.00% 0.713 Second

649 CA Monterey Salinas, CA MSA 17.25% 81.60% 10.24% 77.40% 0.00 0.00% 17.02 76.90% 0.713 Second

650 NE Colfax Non-metro 17.64% 83.80% 14.04% 94.40% 0.00 0.00% 0.00 0.00% 0.713 Second

651 MD Anne Arundel Baltimore-Towson, MD MSA 15.46% 69.80% 9.49% 71.10% 0.45 75.10% 15.55 74.00% 0.713 Second

23 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 24: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

652 OH Summit Akron, OH MSA 15.68% 71.40% 9.03% 66.20% 0.23 74.60% 24.93 87.70% 0.713 Second

653 IL Monroe St. Louis, MO-IL MSA 17.59% 83.50% 10.84% 82.50% 0.00 0.00% 7.25 48.50% 0.713 Second

654 WY Sheridan Non-metro 16.00% 74.00% 10.61% 80.70% 0.00 0.00% 33.78 93.30% 0.712 Second

655 SD Custer Non-metro 16.67% 78.20% 11.43% 85.80% 0.00 0.00% 9.16 55.30% 0.711 Second

656 MS Lamar Hattiesburg, MS MSA 15.97% 73.70% 10.70% 81.40% 0.00 0.00% 28.72 90.70% 0.711 Second

657 NY Albany Albany-Schenectady-Troy, NY MSA 16.61% 77.80% 8.33% 58.60% 19.30 94.30% 14.19 71.10% 0.711 Second

658 KS Haskell Non-metro 20.18% 92.30% 11.32% 85.40% 0.00 0.00% 0.00 0.00% 0.711 Second

659 CA Kern Bakersfield-Delano, CA MSA 18.56% 87.50% 9.84% 74.00% 0.00 0.00% 11.92 64.80% 0.711 Second

660 IL Piatt Champaign-Urbana, IL MSA 16.30% 76.10% 12.16% 89.20% 0.00 0.00% 7.58 49.60% 0.711 Second

661 TX Briscoe Non-metro 14.07% 58.40% 13.97% 94.30% 0.00 0.00% 100.50 99.60% 0.710 Second

662 CO Arapahoe Denver-Aurora-Broomfield, CO MSA 16.60% 77.80% 10.79% 82.10% 0.00 0.00% 14.00 70.60% 0.710 Second

663 PA Lebanon Lebanon, PA MSA 15.90% 73.10% 9.44% 70.50% 1.10 77.00% 10.17 58.60% 0.710 Second

664 MD Talbot Non-metro 16.52% 77.20% 9.51% 71.20% 3.98 84.00% 1.83 31.70% 0.709 Second

665 CA Nevada Non-metro 17.31% 82.00% 9.98% 75.00% 0.00 0.00% 19.72 81.20% 0.709 Second

666 NC Cabarrus Charlotte-Gastonia-rock Hill, NC-SC MSA 15.64% 71.10% 9.13% 67.00% 4.83 85.70% 13.93 70.40% 0.709 Second

667 SD Spink Non-metro 15.53% 70.40% 10.78% 82.00% 114.75 98.90% 0.00 0.00% 0.709 Second

668 MT McCone Non-metro 17.52% 83.10% 9.30% 69.20% 0.00 0.00% 85.47 99.20% 0.708 Second

669 MO Perry Non-metro 17.56% 83.40% 10.22% 77.20% 0.00 0.00% 12.32 65.80% 0.708 Second

670 UT Cache Logan, UT-ID MSA 16.06% 74.60% 8.14% 56.70% 6.27 87.70% 38.77 95.30% 0.708 Second

671 IL Gallatin Non-metro 17.80% 84.30% 13.29% 92.60% 0.00 0.00% 0.00 0.00% 0.708 Second

672 NC Sampson Non-metro 17.03% 80.30% 10.96% 83.40% 0.00 0.00% 8.36 52.80% 0.708 Second

673 GA Columbia Augusta-Richmond County, GA-SC MSA 17.03% 80.30% 10.78% 82.00% 0.00 0.00% 10.04 58.10% 0.707 Second

674 IL Peoria Peoria, IL MSA 15.22% 67.40% 9.37% 69.60% 0.86 76.20% 20.84 82.90% 0.707 Second

675 CA Santa Barbara Santa Barbara-Santa Maria-Goleta, CA MSA 17.12% 80.90% 10.30% 78.00% 0.00 0.00% 14.28 71.30% 0.707 Second

676 TX Gonzales Non-metro 15.28% 68.20% 9.36% 69.60% 6.97 88.50% 12.95 67.20% 0.707 Second

677 MO Grundy Non-metro 18.97% 88.60% 11.89% 88.10% 0.00 0.00% 0.00 0.00% 0.707 Second

678 OH Richland Mansfield, OH MSA 16.02% 74.20% 9.28% 69.00% 7.40 88.80% 6.22 45.00% 0.707 Second

679 WA Island Non-metro 16.92% 79.60% 11.01% 83.80% 0.00 0.00% 8.41 53.00% 0.707 Second

680 SC Georgetown Non-metro 17.43% 82.60% 10.98% 83.50% 0.00 0.00% 5.45 42.00% 0.706 Second

681 TX Atascosa San Antonio-New Braunfels, TX MSA 16.40% 76.60% 8.89% 64.80% 2.90 82.00% 10.18 58.70% 0.706 Second

682 WI Shawano Non-metro 16.18% 75.50% 9.15% 67.30% 1140.02 99.80% 3.18 34.80% 0.706 Second

24 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 25: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

683 MN Blue Earth Mankato-North Mankato, MN MSA 16.88% 79.40% 9.82% 73.80% 0.00 0.00% 32.46 92.80% 0.706 Second

684 GA Fannin Non-metro 14.08% 58.50% 12.01% 88.60% 3.36 82.70% 3.07 34.40% 0.706 Second

685 TN Macon Nashville-Davidson--Murfreesboro--Franklin, TN MSA 16.03% 74.30% 12.58% 90.40% 0.00 0.00% 6.51 45.90% 0.705 Second

686 NC Buncombe Asheville, NC MSA 14.35% 60.70% 10.56% 80.20% 31.14 96.20% 6.17 44.70% 0.705 Second

687 WA Yakima Yakima, WA MSA 17.85% 84.60% 9.46% 70.80% 0.00 0.00% 20.87 82.90% 0.705 Second

688 SD Hamlin Non-metro 19.78% 91.40% 11.21% 84.70% 0.00 0.00% 0.00 0.00% 0.704 Second

689 CO Clear Creek Denver-Aurora-Broomfield, CO MSA 17.28% 81.90% 9.73% 73.20% 0.00 0.00% 21.16 83.40% 0.704 Second

690 CO Hinsdale Non-metro 22.95% 96.50% 10.45% 79.40% 0.00 0.00% 0.00 0.00% 0.704 Second

691 MO McDonald Fayetteville-Springdale-Rogers, AR-MO MSA 15.87% 72.90% 10.82% 82.30% 0.00 0.00% 20.70 82.70% 0.704 Second

692 OH Van Wert Non-metro 16.11% 74.90% 10.60% 80.70% 0.00 0.00% 18.96 80.30% 0.703 Second

693 MT Broadwater Non-metro 17.61% 83.60% 9.27% 69.00% 0.00 0.00% 31.45 92.10% 0.703 Second

694 MT Toole Non-metro 18.00% 85.10% 12.56% 90.40% 0.00 0.00% 0.00 0.00% 0.702 Second

695 OK Pittsburg Non-metro 15.32% 68.50% 13.40% 93.00% 0.00 0.00% 9.28 55.80% 0.702 Second

696 CA San Bernardino Riverside-San Bernardino-Ontario, CA MSA 17.02% 80.20% 10.20% 77.10% 0.00 0.00% 14.88 72.50% 0.702 Second

697 TX Hardin Beaumont-Port Arthur, TX MSA 16.26% 75.90% 8.71% 63.10% 4.93 85.90% 10.58 59.70% 0.702 Second

698 CO Grand Non-metro 21.53% 94.80% 8.76% 63.70% 0.00 0.00% 13.02 67.50% 0.702 Second

699 KY Campbell Cincinnati-Middletown, OH-KY-IN MSA 15.12% 66.80% 9.83% 73.90% 1.66 78.70% 10.61 59.90% 0.701 Second

700 AK Matanuska-Susitna Anchorage, AK MSA 16.27% 76.00% 10.64% 80.90% 0.00 0.00% 15.26 73.40% 0.701 Second

701 MN Lyon Non-metro 16.67% 78.10% 9.98% 75.00% 0.00 0.00% 25.82 88.40% 0.701 Second

702 OH Clark Springfield, OH MSA 16.81% 78.90% 10.13% 76.40% 0.00 0.00% 18.50 79.60% 0.701 Second

703 TX Guadalupe San Antonio-New Braunfels, TX MSA 15.87% 72.90% 8.67% 62.40% 9.73 90.70% 13.40 68.90% 0.701 Second

704 TX Zapata Non-metro 22.85% 96.40% 6.39% 37.10% 20.69 94.80% 14.56 71.80% 0.701 Second

705 NC Catawba Hickory-Lenoir-Morganton, NC MSA 18.14% 85.80% 10.64% 80.90% 0.00 0.00% 2.85 33.70% 0.701 Second

706 OH Franklin Columbus, OH MSA 15.83% 72.60% 7.97% 54.60% 81.50 98.40% 33.30 93.10% 0.700 Second

707 UT Sanpete Non-metro 17.36% 82.30% 9.17% 67.70% 0.00 0.00% 85.77 99.30% 0.699 Second

708 VA Amelia Richmond, VA MSA 19.85% 91.60% 10.94% 83.20% 0.00 0.00% 0.00 0.00% 0.699 Second

709 TX Aransas Corpus Christi, TX MSA 15.45% 69.80% 9.40% 69.90% 10.80 91.60% 7.22 48.30% 0.699 Second

710 VT Lamoille Non-metro 15.78% 72.30% 8.39% 59.10% 2.95 82.10% 28.93 90.80% 0.699 Second

711 OH Henry Non-metro 16.21% 75.70% 9.90% 74.40% 0.00 0.00% 54.02 97.90% 0.698 Second

712 AK Anchorage Anchorage, AK MSA 16.10% 74.90% 10.65% 81.00% 0.00 0.00% 15.57 74.00% 0.698 Second

713 WA Jefferson Non-metro 17.33% 82.20% 11.03% 84.00% 0.00 0.00% 2.38 32.70% 0.698 Second

25 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 26: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

714 MT Madison Non-metro 18.10% 85.60% 9.24% 68.60% 0.00 0.00% 19.16 80.60% 0.697 Second

715 NC Moore Non-metro 16.02% 74.30% 11.80% 87.80% 0.00 0.00% 7.35 48.80% 0.697 Second

716 NY Schenectady Albany-Schenectady-Troy, NY MSA 17.76% 84.10% 7.74% 52.20% 8.94 90.10% 11.17 61.90% 0.697 Second

717 AZ Santa Cruz Non-metro 18.25% 86.40% 9.71% 73.10% 0.00 0.00% 10.18 58.70% 0.697 Second

718 CA Sacramento Sacramento--Arden-Arcade--Roseville, CA MSA 16.76% 78.50% 10.41% 79.10% 0.00 0.00% 12.52 66.20% 0.697 Second

719 MT Sweet Grass Non-metro 19.29% 89.70% 8.76% 63.70% 0.00 0.00% 20.96 83.00% 0.697 Second

720 CA Imperial El Centro, CA MSA 16.78% 78.70% 9.96% 74.80% 0.00 0.00% 20.53 82.50% 0.697 Second

721 AR Garland Hot Springs, AR MSA 16.39% 76.50% 11.48% 86.20% 0.00 0.00% 6.27 45.20% 0.696 Second

722 AR Stone Non-metro 16.85% 79.20% 14.29% 94.80% 0.00 0.00% 0.00 0.00% 0.696 Second

723 NC Wilson Non-metro 15.58% 70.50% 9.81% 73.70% 3.56 83.30% 3.30 35.10% 0.695 Second

724 TX Newton Non-metro 17.39% 82.40% 12.87% 91.40% 0.00 0.00% 0.00 0.00% 0.695 Second

725 ID Washington Non-metro 18.51% 87.30% 9.52% 71.20% 0.00 0.00% 10.82 60.60% 0.695 Second

726 NY Essex Non-metro 15.76% 72.10% 8.47% 60.00% 2.70 81.50% 22.24 84.70% 0.695 Second

727 WI Racine Racine, WI MSA 16.72% 78.40% 10.04% 75.50% 0.00 0.00% 17.90 78.60% 0.694 Second

728 OR Clackamas Portland-Vancouver-Hillsboro, OR-WA MSA 16.83% 79.00% 10.23% 77.30% 0.00 0.00% 13.37 68.80% 0.694 Second

729 MT Silver Bow Non-metro 16.99% 80.00% 9.66% 72.60% 0.00 0.00% 21.24 83.50% 0.694 Second

730 AL Tuscaloosa Tuscaloosa, AL MSA 17.33% 82.10% 10.82% 82.30% 0.00 0.00% 3.68 36.20% 0.694 Second

731 WI Kenosha Lake County-Kenosha County, IL-WI MD 17.03% 80.40% 9.43% 70.40% 0.00 0.00% 28.42 90.50% 0.694 Second

732 TX Jefferson Beaumont-Port Arthur, TX MSA 14.98% 65.80% 9.48% 71.00% 5.06 86.10% 10.74 60.40% 0.694 Second

733 KY Clark Lexington-Fayette, KY MSA 14.69% 63.40% 10.03% 75.40% 18.29 94.20% 6.10 44.20% 0.694 Second

734 AL Madison Huntsville, AL MSA 16.77% 78.60% 10.58% 80.50% 0.00 0.00% 9.63 56.80% 0.693 Second

735 AK Lake and Peninsula Non-metro 17.20% 81.30% 13.04% 92.00% 0.00 0.00% 0.00 0.00% 0.693 Second

736 GA Macon Non-metro 17.24% 81.60% 12.91% 91.50% 0.00 0.00% 0.00 0.00% 0.692 Second

737 CA Tuolumne Non-metro 18.09% 85.50% 9.40% 69.90% 0.00 0.00% 13.81 70.10% 0.692 Second

738 OR Jackson Medford, OR MSA 17.03% 80.40% 9.33% 69.50% 0.00 0.00% 30.57 91.90% 0.692 Second

739 NC Pitt Greenville, NC MSA 15.41% 69.30% 9.42% 70.20% 8.45 89.80% 5.87 43.50% 0.691 Second

740 ID Benewah Non-metro 18.88% 88.30% 11.15% 84.50% 0.00 0.00% 0.00 0.00% 0.691 Second

741 NE Polk Non-metro 16.54% 77.50% 14.59% 95.20% 0.00 0.00% 0.00 0.00% 0.691 Second

742 TX Hockley Non-metro 19.49% 90.50% 8.75% 63.60% 0.00 0.00% 15.59 74.10% 0.691 Second

743 DC District of Columbia Washington-Arlington-Alexandria, DC-VA-MD-WV MD 14.55% 62.30% 10.07% 75.80% 6.00 87.30% 7.92 50.60% 0.690 Second

744 TX El Paso El Paso, TX MSA 14.41% 61.10% 8.99% 65.90% 70.33 98.30% 21.49 83.90% 0.690 Second

26 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 27: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

745 VA Goochland Richmond, VA MSA 18.44% 87.10% 9.78% 73.50% 0.00 0.00% 7.04 47.80% 0.690 Second

746 PA Clinton Non-metro 16.83% 79.00% 9.66% 72.60% 0.00 0.00% 21.12 83.40% 0.690 Second

747 TX Harrison Non-metro 15.49% 70.20% 9.50% 71.10% 3.84 83.70% 4.87 40.20% 0.689 Second

748 ID Power Pocatello, ID MSA 19.10% 89.00% 10.93% 83.10% 0.00 0.00% 0.00 0.00% 0.688 Second

749 KY Scott Lexington-Fayette, KY MSA 14.60% 62.70% 9.43% 70.40% 8.27 89.50% 12.61 66.50% 0.688 Second

750 NC Brunswick Wilmington, NC MSA 14.66% 63.10% 10.13% 76.40% 0.97 76.60% 8.53 53.50% 0.688 Second

751 MT Big Horn Non-metro 17.10% 80.80% 12.77% 91.10% 0.00 0.00% 0.00 0.00% 0.688 Second

752 NY Chautauqua Non-metro 16.27% 75.90% 7.68% 51.60% 12.80 92.70% 22.28 84.80% 0.688 Second

753 VA Prince William Washington-Arlington-Alexandria, DC-VA-MD-WV MD 14.70% 63.50% 9.61% 72.10% 0.31 74.80% 13.87 70.30% 0.688 Second

754 MO Christian Springfield, MO MSA 15.66% 71.30% 10.12% 76.30% 0.00 0.00% 46.84 97.00% 0.687 Second

755 TX Parmer Non-metro 18.01% 85.20% 11.55% 86.60% 0.00 0.00% 0.00 0.00% 0.687 Second

756 LA Plaquemines New Orleans-Metairie-Kenner, LA MSA 14.89% 65.10% 8.77% 63.80% 51.40 97.80% 15.23 73.30% 0.687 Second

757 MN Benton St. Cloud, MN MSA 17.00% 80.10% 9.10% 66.80% 0.00 0.00% 70.03 99.00% 0.687 Second

758 MT Rosebud Non-metro 16.32% 76.30% 10.16% 76.60% 0.00 0.00% 16.00 74.90% 0.687 Second

759 IN Parke Non-metro 14.70% 63.50% 11.29% 85.20% 0.00 0.00% 29.54 91.30% 0.686 Second

760 OR Deschutes Bend, OR MSA 16.54% 77.40% 10.08% 75.80% 0.00 0.00% 14.77 72.20% 0.685 Second

761 WA Kitsap Bremerton-Silverdale, WA MSA 16.61% 77.90% 10.16% 76.60% 0.00 0.00% 12.84 67.00% 0.685 Second

762 AL Montgomery Montgomery, AL MSA 16.84% 79.10% 10.51% 79.90% 0.00 0.00% 7.38 48.90% 0.685 Second

763 AR Pope Non-metro 15.96% 73.60% 11.24% 85.00% 0.00 0.00% 7.78 50.40% 0.685 Second

764 CO Gilpin Denver-Aurora-Broomfield, CO MSA 17.61% 83.70% 11.75% 87.50% 0.00 0.00% 0.00 0.00% 0.685 Second

765 OK Okfuskee Non-metro 15.92% 73.40% 16.88% 97.80% 0.00 0.00% 0.00 0.00% 0.685 Second

766 OR Hood River Non-metro 16.47% 77.00% 10.52% 80.00% 0.00 0.00% 9.62 56.70% 0.685 Second

767 NH Merrimack Non-metro 15.08% 66.40% 8.33% 58.60% 8.33 89.60% 37.63 94.90% 0.685 Second

768 VA Nottoway Non-metro 15.97% 73.80% 9.65% 72.60% 0.00 0.00% 67.23 98.90% 0.685 Second

769 WI Marquette Non-metro 15.29% 68.40% 8.86% 64.50% 41.63 97.40% 9.05 55.10% 0.684 Second

770 NJ Cumberland Vineland-Millville-Bridgeton, NJ MSA 16.84% 79.10% 8.28% 58.10% 7.85 89.20% 6.54 46.10% 0.684 Second

771 IL DeKalb Chicago-Joliet-Naperville, IL MD 15.60% 70.80% 8.43% 59.60% 4.36 84.80% 17.38 77.60% 0.684 Second

772 MN Steele Non-metro 15.12% 66.90% 10.59% 80.60% 0.00 0.00% 35.10 93.80% 0.684 Second

773 UT San Juan Non-metro 17.94% 84.90% 9.40% 69.90% 0.00 0.00% 11.72 63.90% 0.683 Second

774 TX Moore Non-metro 16.31% 76.10% 10.97% 83.40% 0.00 0.00% 6.15 44.70% 0.683 Second

775 PA Lackawanna Scranton--Wilkes-Barre, PA MSA 16.07% 74.60% 10.40% 78.90% 0.00 0.00% 13.25 68.20% 0.682 Second

27 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 28: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

776 OR Douglas Non-metro 16.55% 77.50% 10.72% 81.60% 0.00 0.00% 6.36 45.50% 0.682 Second

777 OH Lorain Cleveland-Elyria-Mentor, OH MSA 14.71% 63.60% 8.91% 65.00% 0.52 75.50% 30.25 91.80% 0.682 Second

778 IN Boone Indianapolis-Carmel, IN MSA 18.49% 87.20% 8.43% 59.60% 0.00 0.00% 36.22 94.40% 0.682 Second

779 AZ Coconino Flagstaff, AZ MSA 17.55% 83.30% 9.28% 69.00% 0.00 0.00% 14.80 72.30% 0.682 Second

780 MD Baltimore Baltimore-Towson, MD MSA 15.33% 68.60% 9.13% 67.00% 0.14 74.40% 11.89 64.60% 0.681 Second

781 NC Surry Non-metro 15.04% 66.20% 8.52% 60.60% 1.72 78.90% 38.05 95.00% 0.681 Second

782 PA Indiana Non-metro 15.42% 69.50% 9.18% 68.00% 1.67 78.80% 8.30 52.30% 0.681 Second

783 OH Madison Columbus, OH MSA 15.53% 70.40% 7.81% 53.00% 6.48 87.80% 89.58 99.40% 0.681 Second

784 UT Juab Provo-Orem, UT MSA 15.35% 69.00% 10.41% 79.10% 0.00 0.00% 25.58 88.40% 0.681 Second

785 ID Fremont Non-metro 15.74% 72.00% 10.11% 76.10% 0.00 0.00% 25.53 88.30% 0.681 Second

786 MT Garfield Non-metro 16.79% 78.80% 12.79% 91.20% 0.00 0.00% 0.00 0.00% 0.680 Second

787 VA Surry Virginia Beach-Norfolk-Newport News, VA-NC MSA 17.56% 83.40% 11.53% 86.50% 0.00 0.00% 0.00 0.00% 0.680 Second

788 KY Boone Cincinnati-Middletown, OH-KY-IN MSA 15.24% 67.80% 10.47% 79.60% 0.00 0.00% 27.64 89.70% 0.679 Second

789 VA Fauquier Washington-Arlington-Alexandria, DC-VA-MD-WV MD 17.25% 81.70% 10.19% 76.80% 0.00 0.00% 6.34 45.30% 0.679 Second

790 NY Herkimer Utica-Rome, NY MSA 18.28% 86.60% 8.94% 65.50% 0.00 0.00% 14.09 70.80% 0.679 Second

791 MO Iron Non-metro 15.71% 71.70% 10.59% 80.60% 0.00 0.00% 13.66 69.80% 0.679 Second

792 OH Mahoning Youngstown-Warren-Boardman, OH-PA MSA 16.29% 76.10% 9.42% 70.20% 0.00 0.00% 35.38 93.80% 0.679 Second

793 ID Cassia Non-metro 19.13% 89.20% 9.07% 66.50% 0.00 0.00% 9.24 55.70% 0.679 Second

794 VA Halifax Non-metro 19.12% 89.10% 10.58% 80.50% 0.00 0.00% 0.00 0.00% 0.678 Second

795 ND Williams Non-metro 17.67% 83.90% 8.55% 60.90% 0.00 0.00% 67.11 98.80% 0.678 Second

796 VT Rutland Non-metro 15.00% 66.00% 8.38% 59.10% 7.69 89.10% 25.03 87.90% 0.677 Second

797 SC Aiken Augusta-Richmond County, GA-SC MSA 14.57% 62.50% 9.38% 69.70% 0.89 76.40% 14.40 71.40% 0.677 Second

798 PA Luzerne Scranton--Wilkes-Barre, PA MSA 15.97% 73.70% 10.79% 82.10% 0.00 0.00% 8.47 53.30% 0.677 Second

799 AL Mobile Mobile, AL MSA 16.60% 77.80% 10.40% 78.90% 0.00 0.00% 7.54 49.40% 0.676 Second

800 WI Sawyer Non-metro 15.82% 72.50% 8.27% 58.10% 4.63 85.30% 13.30 68.50% 0.676 Second

801 VT Addison Non-metro 15.72% 71.80% 7.71% 51.90% 6.54 87.90% 33.39 93.20% 0.676 Second

802 OR Malheur Non-metro 15.47% 70.00% 10.11% 76.10% 0.00 0.00% 29.33 91.30% 0.676 Second

803 NE Garfield Non-metro 16.42% 76.70% 13.13% 92.20% 0.00 0.00% 0.00 0.00% 0.676 Second

804 CA Humboldt Non-metro 16.92% 79.60% 9.69% 72.90% 0.00 0.00% 12.00 65.00% 0.675 Second

805 IA Chickasaw Non-metro 14.31% 60.30% 11.12% 84.30% 0.00 0.00% 42.49 96.40% 0.675 Second

806 MO Laclede Non-metro 13.47% 52.90% 9.67% 72.80% 3.33 82.70% 27.12 89.30% 0.675 Second

28 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 29: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

807 WI Winnebago Oshkosh-Neenah, WI MSA 14.61% 62.80% 8.48% 60.20% 4.19 84.40% 54.28 98.00% 0.674 Second

808 OK Tulsa Tulsa, OK MSA 13.87% 56.80% 9.55% 71.70% 4.83 85.70% 15.69 74.40% 0.674 Second

809 AL Colbert Florence-Muscle Shoals, AL MSA 17.51% 83.10% 10.08% 75.80% 0.00 0.00% 4.19 37.90% 0.674 Second

810 TX Howard Non-metro 15.72% 71.90% 10.97% 83.40% 0.00 0.00% 8.30 52.20% 0.673 Second

811 TX San Augustine Non-metro 16.35% 76.40% 9.25% 68.80% 0.00 0.00% 31.45 92.10% 0.673 Second

812 MO Callaway Jefferson City, MO MSA 14.89% 65.20% 10.48% 79.70% 0.00 0.00% 33.35 93.10% 0.673 Second

813 OK Creek Tulsa, OK MSA 14.83% 64.70% 8.65% 62.00% 5.32 86.40% 18.44 79.50% 0.673 Second

814 NE Buffalo Non-metro 16.17% 75.30% 9.80% 73.60% 0.00 0.00% 16.91 76.60% 0.672 Second

815 NC Pamlico Non-metro 17.03% 80.40% 11.76% 87.60% 0.00 0.00% 0.00 0.00% 0.672 Second

816 KY Washington Non-metro 16.07% 74.60% 13.53% 93.40% 0.00 0.00% 0.00 0.00% 0.672 Second

817 KY Woodford Lexington-Fayette, KY MSA 14.47% 61.60% 8.40% 59.30% 13.12 92.90% 40.00 95.40% 0.672 Second

818 SC Sumter Sumter, SC MSA 17.60% 83.60% 9.81% 73.70% 0.00 0.00% 5.57 42.40% 0.672 Second

819 AZ Yavapai Prescott, AZ MSA 17.75% 84.10% 8.91% 65.00% 0.00 0.00% 16.01 74.90% 0.671 Second

820 CT Middlesex Hartford-West Hartford-East Hartford, CT MSA 16.20% 75.50% 9.87% 74.10% 0.00 0.00% 15.00 72.80% 0.671 Second

821 SD Jerauld Non-metro 12.17% 43.00% 10.11% 76.10% 643.56 99.70% 38.02 95.00% 0.671 Second

822 LA Lincoln Non-metro 14.82% 64.50% 12.57% 90.40% 0.00 0.00% 8.12 51.20% 0.671 Second

823 ND Billings Non-metro 17.61% 83.70% 11.02% 84.00% 0.00 0.00% 0.00 0.00% 0.671 Second

824 KS Dickinson Non-metro 15.08% 66.50% 10.33% 78.30% 0.00 0.00% 29.67 91.40% 0.671 Second

825 CO Larimer Fort Collins-Loveland, CO MSA 16.46% 77.00% 9.77% 73.50% 0.00 0.00% 13.15 67.90% 0.670 Second

826 CO El Paso Colorado Springs, CO MSA 15.66% 71.20% 10.38% 78.60% 0.00 0.00% 14.03 70.70% 0.670 Second

827 MT Musselshell Non-metro 16.83% 79.00% 11.99% 88.40% 0.00 0.00% 0.00 0.00% 0.670 Second

828 MN Aitkin Non-metro 13.23% 51.20% 9.64% 72.50% 7.21 88.70% 23.63 86.00% 0.670 Second

829 IN Vanderburgh Evansville, IN-KY MSA 16.75% 78.40% 9.68% 72.80% 0.00 0.00% 11.86 64.50% 0.669 Second

830 TX Llano Non-metro 15.23% 67.50% 9.19% 68.10% 8.85 90.00% 3.91 36.90% 0.669 Second

831 OK Adair Non-metro 11.67% 38.20% 11.31% 85.30% 106.05 98.80% 16.79 76.40% 0.669 Second

832 GA Cherokee Atlanta-Sandy Springs-Marietta, GA MSA 15.84% 72.70% 10.42% 79.10% 0.00 0.00% 11.11 61.70% 0.669 Second

833 ID Valley Non-metro 19.45% 90.40% 10.18% 76.80% 0.00 0.00% 0.00 0.00% 0.669 Second

834 MI Kalamazoo Kalamazoo-Portage, MI MSA 14.53% 62.10% 9.12% 66.90% 0.55 75.60% 16.60 76.10% 0.668 Second

835 CO Adams Denver-Aurora-Broomfield, CO MSA 16.14% 75.10% 9.62% 72.20% 0.00 0.00% 17.64 78.20% 0.667 Second

836 WA Okanogan Non-metro 17.26% 81.80% 9.37% 69.60% 0.00 0.00% 11.01 61.20% 0.667 Second

837 AL Limestone Huntsville, AL MSA 17.03% 80.30% 9.17% 67.70% 0.00 0.00% 15.80 74.70% 0.667 Second

29 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 30: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

838 NY Cattaraugus Non-metro 16.54% 77.30% 9.71% 73.10% 0.00 0.00% 12.08 65.10% 0.667 Second

839 PA Delaware Philadelphia, PA MD 14.77% 64.10% 9.38% 69.70% 2.20 80.10% 8.09 51.10% 0.666 Second

840 NE Dawes Non-metro 16.16% 75.30% 12.76% 91.00% 0.00 0.00% 0.00 0.00% 0.665 Second

841 MO Johnson Non-metro 15.25% 67.90% 10.55% 80.20% 0.00 0.00% 14.81 72.40% 0.665 Second

842 NC Durham Durham-Chapel Hill, NC MSA 14.07% 58.30% 10.02% 75.30% 9.60 90.60% 4.79 39.80% 0.665 Second

843 NC Columbus Non-metro 15.25% 67.90% 9.20% 68.20% 2.55 81.10% 4.57 39.30% 0.665 Second

844 NM Mora Non-metro 18.86% 88.30% 10.29% 77.80% 0.00 0.00% 0.00 0.00% 0.664 Second

845 TX Bandera San Antonio-New Braunfels, TX MSA 14.42% 61.20% 8.73% 63.40% 17.43 94.00% 14.61 72.00% 0.664 Second

846 IN Porter Gary, IN MD 16.18% 75.40% 7.80% 52.80% 0.92 76.40% 16.05 75.00% 0.664 Second

847 VT Grand Isle Burlington-South Burlington, VT MSA 17.29% 81.90% 9.31% 69.30% 0.00 0.00% 10.35 59.20% 0.664 Second

848 IL Moultrie Non-metro 18.31% 86.70% 8.87% 64.60% 0.00 0.00% 10.17 58.60% 0.664 Second

849 AL Jefferson Birmingham-Hoover, AL MSA 16.96% 79.90% 9.41% 70.20% 0.00 0.00% 11.41 62.80% 0.663 Second

850 ND McKenzie Non-metro 16.48% 77.10% 12.03% 88.70% 0.00 0.00% 0.00 0.00% 0.663 Second

851 MO Buchanan St. Joseph, MO-KS MSA 16.68% 78.20% 9.98% 75.00% 0.00 0.00% 7.75 50.30% 0.663 Second

852 ND Mountrail Non-metro 16.54% 77.40% 9.15% 67.30% 0.00 0.00% 21.48 83.80% 0.663 Second

853 NC Guilford Greensboro-High Point, NC MSA 14.51% 62.00% 9.39% 69.80% 2.12 80.00% 9.21 55.40% 0.663 Second

854 AK Ketchikan Gateway Non-metro 14.34% 60.60% 10.68% 81.20% 0.00 0.00% 38.30 95.10% 0.662 Second

855 IL De Witt Non-metro 16.02% 74.20% 10.38% 78.60% 0.00 0.00% 8.09 51.10% 0.662 Second

856 IN Bartholomew Columbus, IN MSA 15.76% 72.10% 7.82% 53.20% 2.04 79.80% 19.66 81.20% 0.662 Second

857 OH Ottawa Toledo, OH MSA 15.58% 70.60% 9.55% 71.70% 0.00 0.00% 32.88 92.90% 0.662 Second

858 TX Terry Non-metro 15.87% 72.90% 13.31% 92.60% 0.00 0.00% 0.00 0.00% 0.662 Second

859 UT Box Elder Non-metro 15.23% 67.60% 7.77% 52.60% 11.13 91.90% 27.07 89.20% 0.662 Second

860 AL Houston Dothan, AL MSA 17.24% 81.50% 10.05% 75.60% 0.00 0.00% 2.73 33.40% 0.662 Second

861 TX Willacy Non-metro 12.58% 46.50% 9.47% 70.80% 28.57 95.90% 41.93 96.20% 0.661 Second

862 CO Park Denver-Aurora-Broomfield, CO MSA 16.00% 74.00% 10.72% 81.60% 0.00 0.00% 4.44 38.70% 0.661 Second

863 NC Alexander Hickory-Lenoir-Morganton, NC MSA 15.36% 69.00% 10.56% 80.20% 0.00 0.00% 11.85 64.30% 0.661 Second

864 NM Valencia Albuquerque, NM MSA 14.32% 60.40% 8.67% 62.40% 10.39 91.10% 17.96 78.70% 0.661 Second

865 GA Brooks Valdosta, GA MSA 16.35% 76.40% 10.11% 76.10% 0.00 0.00% 7.94 50.70% 0.661 Second

866 GA Schley Non-metro 16.23% 75.80% 12.21% 89.30% 0.00 0.00% 0.00 0.00% 0.660 Second

867 NV Churchill Non-metro 18.18% 85.90% 10.43% 79.20% 0.00 0.00% 0.00 0.00% 0.660 Second

868 NC Swain Non-metro 14.51% 62.10% 10.40% 78.90% 32.89 96.40% 0.00 0.00% 0.660 Second

30 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 31: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

869 CT Hartford Hartford-West Hartford-East Hartford, CT MSA 15.97% 73.70% 9.67% 72.80% 0.00 0.00% 15.58 74.10% 0.660 Second

870 VA Wythe Non-metro 13.69% 55.00% 10.44% 79.30% 5.31 86.40% 3.76 36.30% 0.660 Second

871 VA Norton Non-metro 14.93% 65.50% 9.94% 74.60% 123.08 99.10% 0.00 0.00% 0.660 Second

872 CA Shasta Redding, CA MSA 17.08% 80.70% 9.17% 67.70% 0.00 0.00% 12.23 65.60% 0.659 Second

873 NC Wilkes Non-metro 16.09% 74.90% 9.83% 73.90% 0.00 0.00% 11.63 63.50% 0.659 Second

874 MD Frederick Bethesda-Rockville-Frederick, MD MD 14.83% 64.60% 9.22% 68.30% 1.02 76.80% 7.62 49.80% 0.658 Second

875 IA Marshall Non-metro 15.37% 69.10% 10.68% 81.20% 0.00 0.00% 9.65 56.90% 0.658 Second

876 VT Essex Non-metro 13.54% 54.00% 8.54% 60.80% 126.58 99.10% 74.21 99.10% 0.657 Second

877 IA Polk Des Moines-West Des Moines, IA MSA 15.13% 66.90% 10.11% 76.10% 0.00 0.00% 22.68 85.30% 0.657 Second

878 NY Ulster Kingston, NY MSA 17.99% 85.10% 8.66% 62.30% 0.00 0.00% 12.98 67.30% 0.657 Second

879 MT Mineral Non-metro 20.00% 92.00% 9.62% 72.20% 0.00 0.00% 0.00 0.00% 0.657 Second

880 MN Chippewa Non-metro 12.93% 48.90% 10.39% 78.80% 26.48 95.70% 7.56 49.50% 0.656 Second

881 SD Meade Rapid City, SD MSA 14.96% 65.70% 9.95% 74.70% 0.00 0.00% 36.13 94.20% 0.656 Second

882 VA Clarke Washington-Arlington-Alexandria, DC-VA-MD-WV MD 17.92% 84.70% 10.43% 79.20% 0.00 0.00% 0.00 0.00% 0.656 Second

883 GA Fayette Atlanta-Sandy Springs-Marietta, GA MSA 14.43% 61.30% 9.26% 68.80% 4.48 85.00% 7.61 49.70% 0.655 Second

884 PA Susquehanna Non-metro 16.48% 77.10% 9.42% 70.20% 0.00 0.00% 12.25 65.70% 0.655 Second

885 GA Echols Valdosta, GA MSA 21.35% 94.50% 9.30% 69.20% 0.00 0.00% 0.00 0.00% 0.655 Second

886 NY Oswego Syracuse, NY MSA 17.08% 80.70% 8.93% 65.40% 0.00 0.00% 13.81 70.10% 0.655 Second

887 MO Platte Kansas City, MO-KS MSA 15.58% 70.60% 9.72% 73.20% 0.00 0.00% 18.32 79.30% 0.655 Second

888 KY Bourbon Lexington-Fayette, KY MSA 13.68% 55.00% 9.26% 68.80% 38.12 97.00% 11.21 62.10% 0.654 Second

889 TX Bexar San Antonio-New Braunfels, TX MSA 14.60% 62.70% 8.25% 57.80% 32.35 96.40% 16.21 75.30% 0.654 Second

890 IN Randolph Non-metro 17.04% 80.50% 10.90% 82.90% 0.00 0.00% 0.00 0.00% 0.654 Second

891 MS Lee Non-metro 15.70% 71.60% 10.34% 78.40% 0.00 0.00% 8.58 53.50% 0.654 Second

892 NY Montgomery Non-metro 18.39% 86.80% 8.15% 56.80% 0.00 0.00% 18.00 78.80% 0.653 Second

893 VT Windham Non-metro 15.29% 68.30% 8.21% 57.40% 4.76 85.50% 11.98 64.90% 0.653 Second

894 NH Cheshire Non-metro 14.99% 65.80% 7.91% 54.00% 1.46 78.30% 40.51 95.60% 0.653 Second

895 VA Fredericksburg Washington-Arlington-Alexandria, DC-VA-MD-WV MD 15.34% 68.80% 9.91% 74.50% 0.00 0.00% 18.51 79.60% 0.653 Second

896 OR Lincoln Non-metro 15.24% 67.80% 9.96% 74.80% 0.00 0.00% 20.14 81.80% 0.652 Second

897 OK Pontotoc Non-metro 14.67% 63.30% 12.21% 89.30% 0.00 0.00% 5.32 41.60% 0.652 Second

898 WA Kittitas Non-metro 15.95% 73.50% 9.40% 69.90% 0.00 0.00% 17.78 78.40% 0.652 Second

899 TX Waller Houston-Sugar Land-baytown, TX MSA 17.06% 80.60% 7.84% 53.50% 2.88 81.90% 2.82 33.60% 0.652 Second

31 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 32: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

900 IN Allen Fort Wayne, IN MSA 16.20% 75.50% 9.16% 67.60% 0.00 0.00% 18.13 79.20% 0.652 Second

901 VA Henrico Richmond, VA MSA 14.30% 60.10% 9.18% 68.00% 2.01 79.60% 10.47 59.50% 0.652 Second

902 KS Sedgwick Wichita, KS MSA 15.44% 69.60% 7.84% 53.50% 0.28 74.70% 21.92 84.30% 0.651 Second

903 TX Dimmit Non-metro 16.31% 76.20% 8.70% 62.90% 21.65 94.90% 0.00 0.00% 0.651 Second

904 OR Umatilla Non-metro 15.76% 72.10% 10.06% 75.70% 0.00 0.00% 10.57 59.70% 0.651 Second

905 IL Warren Non-metro 15.30% 68.50% 13.96% 94.20% 0.00 0.00% 0.00 0.00% 0.651 Second

906 CO Elbert Denver-Aurora-Broomfield, CO MSA 16.01% 74.10% 9.53% 71.40% 0.00 0.00% 13.30 68.50% 0.651 Second

907 VA Gloucester Virginia Beach-Norfolk-Newport News, VA-NC MSA 14.79% 64.30% 10.24% 77.40% 0.00 0.00% 21.31 83.60% 0.650 Second

908 ID Bear Lake Non-metro 15.98% 73.90% 12.01% 88.60% 0.00 0.00% 0.00 0.00% 0.650 Second

909 NY Fulton Non-metro 20.67% 93.50% 7.43% 48.80% 0.00 0.00% 19.50 80.80% 0.650 Second

910 VA Rappahannock Non-metro 17.34% 82.20% 10.55% 80.20% 0.00 0.00% 0.00 0.00% 0.650 Second

911 NY Warren Glens Falls, NY MSA 16.98% 80.00% 8.58% 61.20% 0.00 0.00% 21.70 84.10% 0.649 Second

912 KY Jefferson Louisville/Jefferson County, KY-IN MSA 13.90% 57.10% 8.92% 65.20% 21.12 94.80% 11.94 64.80% 0.649 Second

913 VA Culpeper Non-metro 16.51% 77.10% 10.02% 75.30% 0.00 0.00% 4.56 39.20% 0.649 Second

914 NY Chemung Elmira, NY MSA 14.98% 65.80% 7.50% 49.40% 8.42 89.70% 54.08 97.90% 0.648 Second

915 OK Oklahoma Oklahoma City, OK MSA 15.12% 66.80% 9.17% 67.70% 1.45 78.20% 0.12 31.00% 0.647 Second

916 PA Mifflin Non-metro 14.65% 63.00% 11.15% 84.50% 0.00 0.00% 9.81 57.20% 0.647 Second

917 CO Mineral Non-metro 18.12% 85.80% 10.10% 76.00% 0.00 0.00% 0.00 0.00% 0.647 Second

918 TX Armstrong Amarillo, TX MSA 14.77% 64.30% 16.35% 97.50% 0.00 0.00% 0.00 0.00% 0.647 Second

919 OH Darke Non-metro 16.16% 75.30% 9.65% 72.60% 0.00 0.00% 8.95 54.70% 0.646 Second

920 MT Carter Non-metro 18.44% 87.10% 9.89% 74.40% 0.00 0.00% 0.00 0.00% 0.646 Second

921 AK Petersburg Non-metro 16.80% 78.80% 10.86% 82.70% 0.00 0.00% 0.00 0.00% 0.646 Second

922 OK Lincoln Oklahoma City, OK MSA 15.41% 69.50% 10.19% 76.80% 0.00 0.00% 10.83 60.60% 0.646 Second

923 VA Pittsylvania Danville, VA MSA 16.21% 75.70% 10.25% 77.40% 0.00 0.00% 2.56 32.90% 0.645 Second

924 AL Lauderdale Florence-Muscle Shoals, AL MSA 16.45% 76.90% 10.15% 76.50% 0.00 0.00% 1.36 31.40% 0.645 Second

925 MT Meagher Non-metro 18.52% 87.30% 9.83% 73.90% 0.00 0.00% 0.00 0.00% 0.645 Second

926 NC Gates Non-metro 18.73% 88.00% 7.54% 50.10% 0.00 0.00% 30.21 91.70% 0.644 Second

927 IN Elkhart Elkhart-Goshen, IN MSA 17.20% 81.30% 8.18% 57.10% 0.00 0.00% 27.80 89.90% 0.644 Second

928 GA Lumpkin Non-metro 14.40% 61.00% 10.61% 80.70% 0.00 0.00% 16.86 76.50% 0.643 Second

929 AR Franklin Fort Smith, AR-OK MSA 14.54% 62.20% 11.56% 86.70% 0.00 0.00% 6.96 47.50% 0.643 Second

930 SD Butte Non-metro 13.51% 53.50% 10.94% 83.20% 0.00 0.00% 41.95 96.20% 0.643 Second

32 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 33: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

931 NE Gosper Non-metro 24.03% 97.40% 8.72% 63.30% 0.00 0.00% 0.00 0.00% 0.643 Second

932 VA York Virginia Beach-Norfolk-Newport News, VA-NC MSA 15.33% 68.60% 10.57% 80.40% 0.00 0.00% 6.75 46.60% 0.643 Second

933 OH Stark Canton-Massillon, OH MSA 14.67% 63.20% 8.03% 55.10% 0.36 74.90% 36.23 94.40% 0.643 Second

934 VA Appomattox Lynchburg, VA MSA 17.17% 81.10% 8.08% 55.90% 19.57 94.40% 0.00 0.00% 0.642 Second

935 OK Hughes Non-metro 13.74% 55.70% 13.04% 92.00% 0.00 0.00% 8.13 51.30% 0.642 Second

936 TX Childress Non-metro 15.62% 71.00% 12.33% 89.50% 0.00 0.00% 0.00 0.00% 0.642 Second

937 OR Sherman Non-metro 17.43% 82.60% 10.29% 77.80% 0.00 0.00% 0.00 0.00% 0.642 Second

938 GA Candler Non-metro 15.85% 72.70% 11.78% 87.70% 0.00 0.00% 0.00 0.00% 0.642 Second

939 SD Davison Non-metro 15.71% 71.70% 9.45% 70.70% 0.00 0.00% 13.99 70.60% 0.640 Second

940 CA Siskiyou Non-metro 16.80% 78.80% 8.86% 64.50% 0.00 0.00% 12.81 66.90% 0.640 Second

941 MN Otter Tail Non-metro 14.92% 65.40% 9.96% 74.80% 0.00 0.00% 18.21 79.20% 0.640 Second

942 NC Jackson Non-metro 15.22% 67.50% 9.30% 69.20% 14.09 93.10% 0.00 0.00% 0.640 Second

943 CA Solano Vallejo-Fairfield, CA MSA 15.90% 73.20% 9.69% 72.90% 0.00 0.00% 9.05 55.00% 0.639 Second

944 NH Belknap Non-metro 14.68% 63.30% 7.75% 52.40% 1.53 78.40% 55.20 98.10% 0.639 Second

945 OH Muskingum Non-metro 16.28% 76.00% 8.49% 60.30% 0.00 0.00% 34.88 93.70% 0.639 Second

946 PA York York-Hanover, PA MSA 14.25% 59.60% 8.73% 63.40% 3.13 82.40% 11.79 64.20% 0.639 Second

947 MD Harford Baltimore-Towson, MD MSA 15.66% 71.30% 9.29% 69.10% 0.00 0.00% 16.93 76.70% 0.638 Second

948 TX Cameron Brownsville-Harlingen, TX MSA 13.92% 57.20% 8.31% 58.40% 38.71 97.00% 17.79 78.40% 0.638 Second

949 IN DeKalb Non-metro 15.40% 69.30% 10.09% 76.00% 0.00 0.00% 9.48 56.40% 0.638 Second

950 IA Black Hawk Waterloo-Cedar Falls, IA MSA 13.96% 57.40% 9.22% 68.30% 1.15 77.30% 9.91 57.50% 0.638 Second

951 MI Gratiot Non-metro 15.78% 72.30% 10.33% 78.30% 0.00 0.00% 3.26 35.00% 0.637 Second

952 MI Emmet Non-metro 14.70% 63.50% 7.72% 52.00% 42.13 97.40% 17.57 78.00% 0.637 Second

953 ND Ward Non-metro 16.93% 79.70% 9.20% 68.20% 0.00 0.00% 6.41 45.60% 0.637 Second

954 ND Griggs Non-metro 18.32% 86.70% 9.66% 72.60% 0.00 0.00% 0.00 0.00% 0.637 Second

955 OH Harrison Non-metro 14.13% 59.00% 10.31% 78.20% 0.00 0.00% 25.38 88.10% 0.637 Second

956 CO La Plata Non-metro 15.60% 70.80% 9.29% 69.10% 0.00 0.00% 17.20 77.20% 0.637 Second

957 IL Ford Champaign-Urbana, IL MSA 15.57% 70.50% 12.01% 88.60% 0.00 0.00% 0.00 0.00% 0.636 Second

958 NE Madison Non-metro 14.45% 61.50% 10.00% 75.20% 0.00 0.00% 27.37 89.40% 0.636 Second

959 PA Blair Altoona, PA MSA 16.04% 74.40% 9.13% 67.00% 0.00 0.00% 13.69 69.90% 0.636 Second

960 ID Bannock Pocatello, ID MSA 16.15% 75.20% 9.39% 69.80% 0.00 0.00% 9.13 55.20% 0.635 Second

961 NY Washington Glens Falls, NY MSA 14.80% 64.40% 7.50% 49.40% 6.88 88.20% 30.20 91.60% 0.635 Second

33 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 34: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

962 VA Danville Danville, VA MSA 14.72% 63.70% 11.21% 84.70% 0.00 0.00% 5.29 41.40% 0.635 Second

963 VA James City Virginia Beach-Norfolk-Newport News, VA-NC MSA 14.68% 63.40% 10.17% 76.70% 0.00 0.00% 15.78 74.60% 0.635 Second

964 LA Cameron Lake Charles, LA MSA 13.99% 57.70% 10.27% 77.70% 0.00 0.00% 33.50 93.20% 0.635 Second

965 NC Gaston Charlotte-Gastonia-rock Hill, NC-SC MSA 14.92% 65.40% 8.76% 63.70% 1.41 78.10% 4.85 40.00% 0.635 Second

966 NC Rutherford Non-metro 14.01% 57.80% 9.69% 72.90% 2.08 79.80% 1.85 31.80% 0.634 Second

967 IL Jefferson Non-metro 15.19% 67.20% 9.15% 67.30% 0.00 0.00% 40.63 95.70% 0.634 Second

968 TX Brazoria Houston-Sugar Land-baytown, TX MSA 14.44% 61.40% 8.15% 56.80% 4.59 85.20% 16.33 75.60% 0.634 Second

969 MN Cass Non-metro 14.26% 59.70% 8.77% 63.80% 6.29 87.80% 8.20 51.70% 0.634 Second

970 MO Henry Non-metro 15.42% 69.60% 10.40% 78.90% 0.00 0.00% 4.66 39.40% 0.633 Second

971 CA Mono Non-metro 19.30% 89.90% 9.21% 68.30% 0.00 0.00% 0.00 0.00% 0.633 Second

972 NY Bronx New York-White Plains-Wayne, NY-NJ MD 15.00% 65.90% 7.53% 50.00% 276.75 99.50% 13.62 69.60% 0.633 Second

973 NY Hamilton Non-metro 19.78% 91.30% 7.24% 46.90% 0.00 0.00% 18.48 79.50% 0.632 Second

974 OK Love Non-metro 13.37% 52.20% 11.69% 87.30% 0.00 0.00% 15.55 73.90% 0.632 Second

975 NY Niagara Buffalo-Niagara Falls, NY MSA 16.62% 77.90% 8.24% 57.70% 0.00 0.00% 27.08 89.20% 0.632 Second

976 NC Transylvania Non-metro 14.48% 61.80% 8.60% 61.50% 14.73 93.30% 6.19 44.90% 0.631 Second

977 PA Monroe Non-metro 14.73% 63.80% 9.09% 66.70% 0.84 76.20% 2.37 32.60% 0.631 Second

978 TX Nueces Corpus Christi, TX MSA 14.03% 58.00% 8.56% 60.90% 89.02 98.50% 9.47 56.40% 0.631 Second

979 IN Marshall Non-metro 15.13% 66.90% 9.19% 68.10% 0.00 0.00% 28.21 90.30% 0.630 Second

980 NC Vance Non-metro 14.45% 61.40% 8.92% 65.20% 7.65 89.10% 3.13 34.50% 0.630 Second

981 MN Kandiyohi Non-metro 16.16% 75.20% 8.44% 59.80% 0.00 0.00% 27.86 90.00% 0.630 Second

982 VA Chesterfield Richmond, VA MSA 14.05% 58.10% 8.91% 65.00% 8.20 89.40% 7.12 48.10% 0.630 Second

983 MI Osceola Non-metro 14.90% 65.20% 9.73% 73.20% 0.00 0.00% 16.62 76.10% 0.630 Second

984 TX Wharton Non-metro 15.26% 68.00% 7.93% 54.20% 8.22 89.50% 8.13 51.40% 0.630 Second

985 AR Marion Non-metro 14.85% 64.90% 13.27% 92.50% 0.00 0.00% 0.00 0.00% 0.630 Second

986 IL Winnebago Rockford, IL MSA 14.54% 62.20% 7.84% 53.50% 1.39 78.00% 26.47 88.80% 0.630 Second

987 IN Tippecanoe Lafayette, IN MSA 15.84% 72.70% 8.67% 62.40% 0.00 0.00% 24.94 87.80% 0.628 Second

988 NJ Salem Wilmington, DE-MD-NJ MD 15.48% 70.10% 7.76% 52.50% 2.79 81.80% 9.31 55.90% 0.628 Second

989 NY Otsego Non-metro 15.98% 73.80% 8.69% 62.80% 0.00 0.00% 20.09 81.70% 0.628 Second

990 UT Kane Non-metro 15.60% 70.80% 8.59% 61.30% 0.00 0.00% 97.51 99.50% 0.628 Second

991 SD Potter Non-metro 12.73% 47.70% 11.15% 84.50% 95.24 98.60% 0.00 0.00% 0.627 Second

992 GA Oconee Athens-Clarke County, GA MSA 15.24% 67.80% 10.45% 79.40% 0.00 0.00% 4.33 38.30% 0.627 Second

34 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 35: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

993 ME Aroostook Non-metro 15.44% 69.70% 6.61% 39.90% 9.18 90.30% 59.29 98.30% 0.627 Second

994 GA Lee Albany, GA MSA 15.07% 66.40% 9.23% 68.50% 0.00 0.00% 24.57 87.30% 0.627 Second

995 AR Baxter Non-metro 14.75% 63.90% 11.21% 84.70% 0.00 0.00% 2.23 32.20% 0.627 Second

996 WI Burnett Non-metro 15.67% 71.40% 9.40% 69.90% 0.00 0.00% 10.96 61.00% 0.626 Second

997 PA Jefferson Non-metro 15.53% 70.40% 10.29% 77.80% 0.00 0.00% 2.73 33.30% 0.626 Second

998 SD Perkins Non-metro 16.67% 78.20% 10.33% 78.30% 0.00 0.00% 0.00 0.00% 0.626 Second

999 OH Putnam Non-metro 15.49% 70.20% 8.66% 62.30% 0.00 0.00% 41.04 95.90% 0.626 Second

1000 AK Bristol Bay Non-metro 15.47% 70.00% 8.70% 62.90% 0.00 0.00% 35.97 94.20% 0.626 Second

1001 AK Southeast Fairbanks Non-metro 15.41% 69.40% 8.90% 64.90% 0.00 0.00% 25.48 88.20% 0.625 Second

1002 NC Rockingham Greensboro-High Point, NC MSA 14.59% 62.70% 8.86% 64.50% 1.72 79.00% 4.01 37.10% 0.625 Second

1003 IA Keokuk Non-metro 14.51% 62.00% 10.55% 80.20% 0.00 0.00% 9.30 55.80% 0.625 Second

1004 AZ Pima Tucson, AZ MSA 15.41% 69.40% 9.50% 71.10% 0.00 0.00% 11.29 62.30% 0.624 Second

1005 ND Burleigh Bismarck, ND MSA 15.37% 69.20% 8.99% 65.90% 0.00 0.00% 21.49 83.90% 0.624 Second

1006 AL Barbour Non-metro 14.17% 59.30% 10.84% 82.50% 0.00 0.00% 9.57 56.60% 0.624 Second

1007 NH Grafton Non-metro 13.87% 56.70% 7.60% 50.90% 36.78 96.80% 44.27 96.60% 0.624 Second

1008 VA Accomack Non-metro 14.10% 58.70% 9.98% 75.00% 7.06 88.50% 0.00 0.00% 0.623 Second

1009 OH Carroll Canton-Massillon, OH MSA 15.52% 70.30% 8.63% 61.90% 0.00 0.00% 35.68 94.10% 0.623 Second

1010 NC Jones Non-metro 13.90% 57.10% 10.10% 76.00% 0.00 0.00% 28.37 90.40% 0.623 Second

1011 VA Warren Washington-Arlington-Alexandria, DC-VA-MD-WV MD 16.01% 74.10% 9.24% 68.60% 0.00 0.00% 8.24 51.90% 0.623 Second

1012 OK Kiowa Non-metro 12.10% 42.30% 12.28% 89.40% 0.00 0.00% 41.03 95.80% 0.623 Second

1013 CA Plumas Non-metro 18.24% 86.40% 8.09% 56.00% 0.00 0.00% 8.41 52.90% 0.623 Second

1014 TX Dallas Dallas-Plano-Irving, TX MD 13.88% 56.90% 8.29% 58.20% 10.28 91.00% 13.86 70.30% 0.622 Second

1015 NY Steuben Non-metro 14.83% 64.70% 9.04% 66.30% 0.00 0.00% 49.56 97.40% 0.621 Second

1016 AR Saline Little Rock-North Little Rock-Conway, AR MSA 16.08% 74.70% 9.54% 71.60% 0.00 0.00% 3.65 36.20% 0.621 Second

1017 TN Davidson Nashville-Davidson--Murfreesboro--Franklin, TN MSA 14.77% 64.20% 8.59% 61.30% 1.37 77.90% 5.15 41.20% 0.621 Second

1018 IA Lucas Non-metro 13.66% 54.80% 11.08% 84.20% 0.00 0.00% 11.88 64.50% 0.621 Second

1019 NC Granville Non-metro 14.26% 59.80% 8.60% 61.50% 3.06 82.30% 8.34 52.60% 0.620 Second

1020 GA Colquitt Non-metro 15.61% 71.00% 9.50% 71.10% 0.00 0.00% 8.14 51.40% 0.620 Second

1021 MI Grand Traverse Non-metro 14.51% 61.90% 7.37% 48.50% 1.91 79.50% 66.09 98.70% 0.620 Second

1022 VA Floyd Non-metro 17.30% 82.00% 9.69% 72.90% 0.00 0.00% 0.00 0.00% 0.620 Second

1023 IN Martin Non-metro 15.06% 66.40% 11.99% 88.40% 0.00 0.00% 0.00 0.00% 0.619 Second

35 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 36: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1024 IA Floyd Non-metro 15.26% 68.00% 10.06% 75.70% 0.00 0.00% 6.13 44.40% 0.619 Second

1025 OK Wagoner Tulsa, OK MSA 14.29% 59.90% 8.47% 60.00% 3.48 83.10% 9.54 56.50% 0.619 Second

1026 IN LaPorte Michigan City-La Porte, IN MSA 15.70% 71.50% 8.59% 61.30% 0.00 0.00% 25.12 87.90% 0.619 Second

1027 NE Saline Non-metro 13.72% 55.50% 9.96% 74.80% 0.00 0.00% 49.88 97.40% 0.619 Second

1028 KY Mason Non-metro 15.01% 66.10% 10.30% 78.00% 0.00 0.00% 5.50 42.20% 0.619 Second

1029 TX Tarrant Fort Worth-Arlington, TX MD 13.54% 53.90% 8.51% 60.50% 7.47 88.90% 14.75 72.10% 0.619 Second

1030 NC Madison Asheville, NC MSA 12.76% 47.80% 9.63% 72.40% 20.68 94.70% 5.70 42.80% 0.618 Second

1031 NM Curry Non-metro 15.03% 66.20% 8.85% 64.40% 0.00 0.00% 40.86 95.70% 0.618 Second

1032 TX Bailey Non-metro 14.66% 63.10% 9.82% 73.80% 0.00 0.00% 13.83 70.20% 0.618 Second

1033 MT Fergus Non-metro 15.93% 73.40% 8.23% 57.60% 0.00 0.00% 34.04 93.40% 0.617 Second

1034 VA Bristol Kingsport-Bristol-Bristol, TN-VA MSA 14.76% 64.10% 9.06% 66.40% 23.27 95.20% 0.00 0.00% 0.617 Second

1035 ME Somerset Non-metro 15.11% 66.70% 7.87% 53.80% 2.45 80.80% 8.50 53.40% 0.616 Second

1036 MT Powell Non-metro 15.46% 69.80% 8.58% 61.20% 0.00 0.00% 31.55 92.20% 0.616 Second

1037 NC Cherokee Non-metro 13.71% 55.30% 8.74% 63.50% 11.90 92.10% 7.39 48.90% 0.616 Second

1038 OK Carter Non-metro 14.26% 59.80% 8.57% 61.10% 2.42 80.60% 8.16 51.50% 0.616 Second

1039 GA Crisp Non-metro 14.74% 63.90% 9.07% 66.50% 16.94 93.80% 0.00 0.00% 0.615 Second

1040 VA Augusta Non-metro 16.54% 77.40% 9.15% 67.30% 0.00 0.00% 3.52 35.70% 0.615 Second

1041 CT New London Norwich-New London, CT MSA 15.00% 66.00% 9.48% 71.00% 0.00 0.00% 12.47 66.10% 0.614 Second

1042 TX Kaufman Dallas-Plano-Irving, TX MD 15.03% 66.20% 7.75% 52.40% 2.12 79.90% 10.59 59.80% 0.614 Second

1043 NC Craven Non-metro 14.18% 59.30% 8.82% 64.10% 4.51 85.00% 3.35 35.40% 0.614 Second

1044 OH Hancock Non-metro 15.22% 67.50% 8.64% 61.90% 0.00 0.00% 40.76 95.70% 0.613 Second

1045 AK Juneau Non-metro 13.76% 55.80% 10.32% 78.20% 0.00 0.00% 17.04 77.00% 0.613 Second

1046 GA Worth Albany, GA MSA 15.51% 70.30% 10.89% 82.80% 0.00 0.00% 0.00 0.00% 0.612 Second

1047 ID Minidoka Non-metro 15.90% 73.20% 8.29% 58.20% 0.00 0.00% 24.00 86.40% 0.612 Second

1048 NY Schuyler Non-metro 13.72% 55.40% 7.46% 49.10% 93.93 98.60% 39.40 95.40% 0.612 Second

1049 OH Portage Akron, OH MSA 15.72% 71.90% 8.24% 57.70% 0.00 0.00% 34.74 93.60% 0.612 Second

1050 MS Walthall Non-metro 15.08% 66.50% 11.52% 86.40% 0.00 0.00% 0.00 0.00% 0.612 Second

1051 OH Montgomery Dayton, OH MSA 14.86% 65.00% 7.34% 48.20% 2.17 80.10% 17.91 78.60% 0.612 Second

1052 TX Johnson Fort Worth-Arlington, TX MD 14.21% 59.40% 7.73% 52.10% 4.80 85.60% 18.38 79.40% 0.611 Second

1053 KY Madison Non-metro 12.96% 49.20% 8.67% 62.40% 38.46 97.00% 12.99 67.50% 0.611 Second

1054 PA Cumberland Harrisburg-Carlisle, PA MSA 13.89% 57.00% 8.23% 57.60% 1.17 77.40% 16.15 75.10% 0.611 Second

36 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 37: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1055 MI Crawford Non-metro 12.90% 48.70% 8.15% 56.80% 29.04 96.00% 32.44 92.70% 0.611 Second

1056 ME Oxford Non-metro 14.09% 58.60% 7.51% 49.70% 5.83 87.10% 28.10 90.20% 0.611 Second

1057 NC Lincoln Non-metro 16.33% 76.30% 9.10% 66.80% 0.00 0.00% 4.24 38.10% 0.611 Second

1058 VT Bennington Non-metro 15.82% 72.50% 8.85% 64.40% 0.00 0.00% 11.36 62.60% 0.610 Second

1059 IL Champaign Champaign-Urbana, IL MSA 15.22% 67.40% 9.61% 72.10% 0.00 0.00% 8.28 52.10% 0.610 Second

1060 MT Hill Non-metro 15.88% 73.00% 9.19% 68.10% 0.00 0.00% 6.35 45.40% 0.610 Second

1061 ME Kennebec Non-metro 13.33% 51.80% 8.44% 59.80% 10.75 91.50% 14.55 71.80% 0.610 Second

1062 SC Spartanburg Spartanburg, SC MSA 14.52% 62.10% 8.61% 61.70% 0.98 76.60% 4.03 37.20% 0.609 Second

1063 AL Henry Dothan, AL MSA 16.36% 76.50% 10.06% 75.70% 0.00 0.00% 0.00 0.00% 0.609 Second

1064 WA San Juan Non-metro 15.59% 70.70% 8.68% 62.70% 0.00 0.00% 16.10 75.10% 0.609 Second

1065 AL Coffee Non-metro 15.59% 70.70% 9.72% 73.20% 0.00 0.00% 2.58 33.00% 0.609 Second

1066 NY Greene Non-metro 16.96% 79.90% 6.82% 42.10% 2.42 80.60% 4.85 40.00% 0.609 Second

1067 AZ La Paz Non-metro 16.87% 79.30% 7.43% 48.80% 0.00 0.00% 41.49 96.00% 0.608 Second

1068 IN Vermillion Terre Haute, IN MSA 16.62% 78.00% 9.87% 74.10% 0.00 0.00% 0.00 0.00% 0.608 Second

1069 TX La Salle Non-metro 17.97% 85.00% 7.04% 44.40% 0.00 0.00% 28.99 90.80% 0.608 Second

1070 TN Washington Johnson City, TN MSA 14.54% 62.20% 8.47% 60.00% 1.11 77.10% 5.54 42.40% 0.608 Second

1071 WA Pend Oreille Non-metro 15.65% 71.10% 8.19% 57.20% 0.00 0.00% 38.17 95.00% 0.608 Second

1072 CA Mendocino Non-metro 16.09% 74.80% 8.63% 61.90% 0.00 0.00% 10.91 60.80% 0.608 Second

1073 KY Mercer Non-metro 14.39% 60.90% 12.74% 91.00% 0.00 0.00% 0.00 0.00% 0.608 Second

1074 MD Queen Anne's Baltimore-Towson, MD MSA 14.73% 63.80% 8.04% 55.30% 1.87 79.40% 8.21 51.80% 0.608 Second

1075 KY Warren Bowling Green, KY MSA 14.06% 58.20% 8.33% 58.60% 22.39 95.00% 6.23 45.00% 0.607 Second

1076 NC Anson Charlotte-Gastonia-rock Hill, NC-SC MSA 16.05% 74.50% 8.97% 65.80% 0.00 0.00% 6.52 46.00% 0.607 Second

1077 NE Antelope Non-metro 14.40% 61.10% 12.65% 90.70% 0.00 0.00% 0.00 0.00% 0.607 Second

1078 MO Shannon Non-metro 15.46% 69.90% 10.74% 81.80% 0.00 0.00% 0.00 0.00% 0.607 Second

1079 GA Bartow Atlanta-Sandy Springs-Marietta, GA MSA 13.55% 54.10% 8.14% 56.70% 1.16 77.30% 23.76 86.20% 0.607 Second

1080 TX Chambers Houston-Sugar Land-baytown, TX MSA 16.21% 75.70% 9.11% 66.90% 0.00 0.00% 3.63 36.10% 0.607 Second

1081 IN Shelby Indianapolis-Carmel, IN MSA 15.09% 66.60% 8.88% 64.70% 0.00 0.00% 18.97 80.40% 0.606 Second

1082 MN St. Louis Duluth, MN-WI MSA 13.46% 52.80% 8.11% 56.40% 57.46 98.00% 13.87 70.30% 0.605 Second

1083 LA Lafayette Lafayette, LA MSA 14.81% 64.40% 7.70% 51.80% 2.77 81.70% 10.13 58.30% 0.605 Second

1084 OR Polk Salem, OR MSA 15.70% 71.60% 8.70% 62.90% 0.00 0.00% 12.62 66.50% 0.605 Second

1085 IL Crawford Non-metro 15.69% 71.40% 9.24% 68.60% 0.00 0.00% 6.08 44.20% 0.604 Second

37 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 38: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1086 IN Madison Anderson, IN MSA 14.54% 62.30% 9.62% 72.20% 0.00 0.00% 12.47 66.10% 0.604 Second

1087 OH Lucas Toledo, OH MSA 14.50% 61.80% 9.15% 67.30% 0.00 0.00% 24.77 87.60% 0.604 Second

1088 MO Taney Non-metro 13.26% 51.40% 10.25% 77.40% 0.00 0.00% 25.51 88.30% 0.604 Second

1089 IA Mitchell Non-metro 16.11% 75.00% 10.08% 75.80% 0.00 0.00% 0.00 0.00% 0.603 Second

1090 MO Nodaway Non-metro 15.24% 67.80% 8.80% 64.00% 0.00 0.00% 16.33 75.60% 0.603 Second

1091 PA Washington Pittsburgh, PA MSA 13.54% 53.90% 8.88% 64.70% 1.38 77.90% 7.76 50.30% 0.603 Second

1092 AK Fairbanks North Star Fairbanks, AK MSA 14.86% 65.00% 9.43% 70.40% 0.00 0.00% 10.88 60.70% 0.602 Second

1093 AZ Maricopa Phoenix-Mesa-Glendale, AZ MSA 15.23% 67.70% 8.91% 65.00% 0.00 0.00% 14.45 71.50% 0.602 Second

1094 MO Jasper Joplin, MO MSA 14.37% 60.80% 8.94% 65.50% 0.00 0.00% 42.15 96.30% 0.602 Second

1095 GA Miller Non-metro 16.34% 76.30% 9.84% 74.00% 0.00 0.00% 0.00 0.00% 0.601 Second

1096 IA Benton Cedar Rapids, IA MSA 14.45% 61.50% 9.26% 68.80% 0.00 0.00% 18.77 80.00% 0.601 Second

1097 UT Morgan Ogden-Clearfield, UT MSA 13.08% 49.90% 7.85% 53.70% 9.69 90.70% 41.67 96.10% 0.601 Second

1098 OK Logan Oklahoma City, OK MSA 15.23% 67.70% 9.63% 72.40% 0.00 0.00% 4.98 40.70% 0.601 Second

1099 NC Johnston Raleigh-Cary, NC MSA 15.74% 72.00% 9.42% 70.20% 0.00 0.00% 2.19 32.20% 0.601 Second

1100 NC Nash Rocky Mount, NC MSA 15.90% 73.20% 9.25% 68.80% 0.00 0.00% 2.48 32.80% 0.601 Second

1101 MN Nicollet Mankato-North Mankato, MN MSA 14.06% 58.20% 9.31% 69.30% 0.00 0.00% 28.99 90.80% 0.601 Second

1102 OR Tillamook Non-metro 15.76% 72.10% 9.31% 69.30% 0.00 0.00% 3.33 35.20% 0.601 Second

1103 VA Powhatan Richmond, VA MSA 14.43% 61.30% 8.34% 58.80% 4.27 84.60% 3.48 35.70% 0.601 Second

1104 TX Midland Midland, TX MSA 15.21% 67.30% 7.23% 46.70% 3.52 83.20% 11.07 61.40% 0.601 Second

1105 NY Wayne Rochester, NY MSA 15.25% 67.90% 6.42% 37.40% 5.09 86.20% 33.27 93.10% 0.601 Second

1106 FL Miami-Dade Miami-Miami Beach-Kendall, FL MD 13.69% 55.00% 8.53% 60.70% 6.68 88.00% 7.38 48.90% 0.600 Second

1107 ND Walsh Non-metro 16.08% 74.70% 8.72% 63.30% 0.00 0.00% 6.93 47.30% 0.599 Second

1108 IA Scott Davenport-Moline-Rock Island, IA-IL MSA 13.45% 52.80% 8.10% 56.10% 0.82 76.10% 24.71 87.50% 0.599 Second

1109 IN Jay Non-metro 16.13% 75.10% 9.94% 74.60% 0.00 0.00% 0.00 0.00% 0.599 Second

1110 PA Schuylkill Non-metro 15.18% 67.20% 9.12% 66.90% 0.00 0.00% 11.18 62.00% 0.598 Second

1111 NE Keith Non-metro 14.44% 61.40% 11.90% 88.10% 0.00 0.00% 0.00 0.00% 0.598 Second

1112 KS Pottawatomie Manhattan, KS MSA 15.29% 68.40% 8.46% 60.00% 0.00 0.00% 21.48 83.70% 0.597 Second

1113 FL Gilchrist Gainesville, FL MSA 16.43% 76.80% 9.64% 72.50% 0.00 0.00% 0.00 0.00% 0.597 Second

1114 MT Glacier Non-metro 14.84% 64.80% 9.40% 69.90% 0.00 0.00% 10.03 58.00% 0.597 Second

1115 ME Androscoggin Lewiston-Auburn, ME MSA 14.12% 58.90% 7.33% 48.00% 10.47 91.20% 17.52 77.80% 0.597 Second

1116 MO Clay Kansas City, MO-KS MSA 14.57% 62.50% 9.08% 66.60% 0.00 0.00% 18.79 80.10% 0.597 Second

38 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 39: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1117 WY Fremont Non-metro 14.46% 61.60% 9.07% 66.50% 0.00 0.00% 21.33 83.60% 0.596 Second

1118 GA Chatham Savannah, GA MSA 13.48% 53.10% 8.61% 61.70% 1.82 79.20% 9.90 57.50% 0.596 Second

1119 KS Geary Manhattan, KS MSA 15.15% 67.10% 9.17% 67.70% 0.00 0.00% 9.44 56.30% 0.596 Second

1120 PA Cambria Johnstown, PA MSA 14.84% 64.90% 10.03% 75.40% 0.00 0.00% 2.83 33.70% 0.595 Second

1121 AR Johnson Non-metro 14.55% 62.40% 9.40% 69.90% 0.00 0.00% 12.17 65.40% 0.595 Second

1122 IN Jennings Non-metro 14.15% 59.10% 9.78% 73.50% 0.00 0.00% 11.74 64.00% 0.594 Second

1123 MI Muskegon Muskegon-Norton Shores, MI MSA 15.19% 67.20% 8.40% 59.30% 0.00 0.00% 25.63 88.40% 0.594 Second

1124 MI Wayne Detroit-Livonia-Dearborn, MI MD 13.94% 57.40% 7.95% 54.50% 0.62 75.70% 14.16 70.90% 0.594 Second

1125 IN Johnson Indianapolis-Carmel, IN MSA 14.67% 63.20% 8.65% 62.00% 0.00 0.00% 33.98 93.30% 0.594 Second

1126 VA Martinsville Non-metro 14.56% 62.40% 9.94% 74.60% 0.00 0.00% 6.41 45.60% 0.594 Second

1127 OK Beckham Non-metro 14.32% 60.50% 9.08% 66.60% 0.00 0.00% 22.31 84.90% 0.593 Second

1128 GA White Non-metro 15.37% 69.10% 9.44% 70.50% 0.00 0.00% 3.20 34.80% 0.593 Second

1129 AZ Gila Non-metro 15.71% 71.70% 8.52% 60.60% 0.00 0.00% 11.71 63.80% 0.593 Second

1130 MO Franklin St. Louis, MO-IL MSA 15.47% 70.00% 8.32% 58.40% 0.00 0.00% 18.38 79.30% 0.593 Second

1131 TX Wilson San Antonio-New Braunfels, TX MSA 14.87% 65.00% 7.32% 47.90% 29.99 96.10% 6.17 44.80% 0.593 Second

1132 IN Whitley Fort Wayne, IN MSA 15.11% 66.70% 8.33% 58.60% 0.00 0.00% 29.00 91.00% 0.592 Second

1133 MT Teton Non-metro 15.93% 73.50% 8.19% 57.20% 0.00 0.00% 13.39 68.90% 0.592 Second

1134 NC Pender Wilmington, NC MSA 14.66% 63.10% 8.13% 56.60% 2.36 80.50% 2.14 32.20% 0.592 Second

1135 MI Leelanau Non-metro 14.95% 65.50% 7.60% 50.90% 9.22 90.30% 3.24 34.90% 0.591 Second

1136 AR Pulaski Little Rock-North Little Rock-Conway, AR MSA 14.97% 65.70% 9.44% 70.50% 0.00 0.00% 6.52 46.00% 0.591 Second

1137 MS Rankin Jackson, MS MSA 15.06% 66.30% 8.54% 60.80% 0.00 0.00% 20.47 82.30% 0.591 Second

1138 TN Unicoi Johnson City, TN MSA 13.91% 57.20% 10.19% 76.80% 0.00 0.00% 8.86 54.50% 0.591 Second

1139 WI Manitowoc Non-metro 15.28% 68.20% 8.24% 57.70% 0.00 0.00% 23.51 85.90% 0.590 Second

1140 MN Stearns St. Cloud, MN MSA 15.37% 69.20% 7.85% 53.70% 0.00 0.00% 47.25 97.10% 0.589 Second

1141 TN Knox Knoxville, TN MSA 14.81% 64.50% 7.79% 52.80% 1.30 77.70% 5.38 41.70% 0.589 Second

1142 TX Hartley Non-metro 15.76% 72.20% 9.97% 74.90% 0.00 0.00% 0.00 0.00% 0.588 Second

1143 NC McDowell Non-metro 14.42% 61.20% 8.09% 56.00% 3.47 83.10% 3.52 35.80% 0.588 Second

1144 NC Northampton Non-metro 15.40% 69.30% 10.26% 77.60% 0.00 0.00% 0.00 0.00% 0.588 Second

1145 IL Wayne Non-metro 17.54% 83.30% 7.42% 48.70% 0.00 0.00% 10.32 59.10% 0.587 Second

1146 MS Lowndes Non-metro 15.34% 68.80% 9.19% 68.10% 0.00 0.00% 4.71 39.50% 0.587 Second

1147 TX Lampasas Killeen-Temple-Fort Hood, TX MSA 14.88% 65.10% 8.44% 59.80% 6.20 87.50% 0.00 0.00% 0.587 Second

39 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 40: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1148 OK Johnston Non-metro 14.64% 63.00% 10.99% 83.70% 0.00 0.00% 0.00 0.00% 0.587 Second

1149 IA Linn Cedar Rapids, IA MSA 14.16% 59.20% 8.88% 64.70% 0.00 0.00% 27.98 90.10% 0.586 Second

1150 MO Ste. Genevieve Non-metro 15.13% 67.00% 8.65% 62.00% 0.00 0.00% 13.63 69.70% 0.586 Second

1151 CO Gunnison Non-metro 14.90% 65.20% 9.03% 66.20% 0.00 0.00% 10.40 59.30% 0.585 Second

1152 PA Union Non-metro 15.26% 68.10% 8.44% 59.80% 0.00 0.00% 14.93 72.80% 0.584 Second

1153 VA Wise Non-metro 13.78% 55.90% 8.13% 56.60% 34.86 96.60% 4.11 37.60% 0.584 Second

1154 NC Alamance Burlington, NC MSA 14.23% 59.50% 7.84% 53.50% 0.95 76.50% 9.23 55.50% 0.584 Second

1155 MS Smith Non-metro 13.66% 54.90% 9.02% 66.10% 0.00 0.00% 96.74 99.50% 0.584 Second

1156 OH Huron Non-metro 15.26% 68.10% 8.60% 61.50% 0.00 0.00% 11.92 64.70% 0.583 Second

1157 NH Coos Non-metro 13.07% 49.90% 7.22% 46.70% 55.17 97.90% 61.01 98.40% 0.583 Second

1158 NY Franklin Non-metro 13.40% 52.50% 7.88% 53.90% 2.95 82.10% 15.80 74.70% 0.582 Second

1159 FL Palm Beach West Palm Beach-Boca Raton-Boynton Beach, FL MD 14.02% 57.90% 8.30% 58.40% 1.06 77.00% 4.73 39.60% 0.582 Second

1160 NC Randolph Greensboro-High Point, NC MSA 15.46% 69.90% 8.98% 65.90% 0.00 0.00% 4.44 38.60% 0.582 Second

1161 GA Glynn Brunswick, GA MSA 14.42% 61.20% 9.75% 73.40% 0.00 0.00% 5.63 42.70% 0.581 Second

1162 WA Thurston Olympia, WA MSA 14.95% 65.60% 8.61% 61.70% 0.00 0.00% 14.28 71.30% 0.581 Second

1163 NC Richmond Non-metro 15.26% 68.10% 9.20% 68.20% 0.00 0.00% 3.32 35.10% 0.580 Second

1164 VA Williamsburg Virginia Beach-Norfolk-Newport News, VA-NC MSA 11.80% 39.40% 8.96% 65.70% 10.02 90.80% 13.40 69.00% 0.580 Second

1165 MI Dickinson Non-metro 14.30% 60.10% 6.77% 41.40% 24.89 95.40% 17.99 78.70% 0.580 Second

1166 NE Loup Non-metro 12.68% 47.30% 16.67% 97.70% 0.00 0.00% 0.00 0.00% 0.580 Second

1167 OK Cleveland Oklahoma City, OK MSA 13.87% 56.80% 8.08% 55.90% 0.45 75.10% 8.70 53.90% 0.580 Second

1168 VA Virginia Beach Virginia Beach-Norfolk-Newport News, VA-NC MSA 14.50% 61.90% 9.56% 71.80% 0.00 0.00% 6.21 45.00% 0.580 Second

1169 TX Donley Non-metro 14.79% 64.30% 10.59% 80.60% 0.00 0.00% 0.00 0.00% 0.580 Second

1170 TX Grayson Sherman-Denison, TX MSA 14.23% 59.50% 8.18% 57.10% 1.94 79.60% 2.43 32.80% 0.579 Second

1171 CO Mesa Grand Junction, CO MSA 14.77% 64.20% 9.00% 66.00% 0.00 0.00% 10.02 58.00% 0.579 Second

1172 SD Fall River Non-metro 13.50% 53.50% 10.08% 75.80% 0.00 0.00% 11.06 61.40% 0.579 Second

1173 MI Gladwin Non-metro 14.51% 62.00% 9.22% 68.30% 0.00 0.00% 9.84 57.30% 0.579 Second

1174 OH Belmont Wheeling, WV-OH MSA 15.34% 68.80% 8.44% 59.80% 0.00 0.00% 11.71 63.80% 0.578 Second

1175 OK Payne Non-metro 14.46% 61.60% 8.94% 65.50% 0.00 0.00% 13.53 69.40% 0.578 Second

1176 OR Crook Non-metro 14.67% 63.30% 9.17% 67.70% 0.00 0.00% 8.51 53.40% 0.577 Second

1177 AK Aleutians East Non-metro 14.55% 62.40% 10.75% 81.90% 0.00 0.00% 0.00 0.00% 0.577 Second

1178 MS Lafayette Non-metro 14.08% 58.50% 9.43% 70.40% 0.00 0.00% 11.11 61.50% 0.577 Second

40 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 41: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1179 TX Galveston Houston-Sugar Land-baytown, TX MSA 13.54% 53.90% 7.67% 51.60% 4.34 84.70% 13.95 70.40% 0.577 Second

1180 MI Roscommon Non-metro 12.34% 44.30% 8.55% 60.90% 5.41 86.50% 13.56 69.50% 0.577 Second

1181 IA Fremont Non-metro 14.82% 64.60% 10.47% 79.60% 0.00 0.00% 0.00 0.00% 0.577 Second

1182 VA Rockingham Harrisonburg, VA MSA 15.72% 71.90% 8.65% 62.00% 0.00 0.00% 5.14 41.10% 0.577 Second

1183 WI Eau Claire Eau Claire, WI MSA 13.65% 54.50% 7.19% 46.20% 4.29 84.70% 27.00 89.20% 0.577 Second

1184 IN Warrick Evansville, IN-KY MSA 15.37% 69.10% 8.15% 56.80% 0.00 0.00% 15.05 72.90% 0.577 Second

1185 OR Yamhill Portland-Vancouver-Hillsboro, OR-WA MSA 14.91% 65.40% 9.03% 66.20% 0.00 0.00% 7.62 49.80% 0.576 Second

1186 MI Iron Non-metro 11.79% 39.20% 8.50% 60.40% 1208.25 99.90% 17.47 77.80% 0.576 Second

1187 GA Ben Hill Non-metro 13.77% 55.80% 8.92% 65.20% 0.00 0.00% 31.02 92.00% 0.576 Second

1188 TN Sullivan Kingsport-Bristol-Bristol, TN-VA MSA 14.33% 60.50% 7.92% 54.10% 3.59 83.30% 3.05 34.30% 0.576 Second

1189 TX Ector Odessa, TX MSA 15.09% 66.50% 6.32% 36.30% 0.89 76.30% 25.42 88.20% 0.576 Second

1190 IA Pottawattamie Omaha-Council Bluffs, NE-IA MSA 14.45% 61.50% 9.15% 67.30% 0.00 0.00% 10.65 60.10% 0.575 Second

1191 GA Stewart Non-metro 15.14% 67.10% 10.17% 76.70% 0.00 0.00% 0.00 0.00% 0.575 Second

1192 OH Columbiana Non-metro 14.34% 60.70% 8.37% 58.90% 0.00 0.00% 42.71 96.40% 0.575 Second

1193 OR Linn Non-metro 15.46% 69.90% 8.60% 61.50% 0.00 0.00% 7.42 49.10% 0.575 Second

1194 CO Morgan Non-metro 15.66% 71.20% 8.71% 63.10% 0.00 0.00% 4.05 37.30% 0.575 Second

1195 IA Cerro Gordo Non-metro 13.69% 55.10% 9.02% 66.10% 0.00 0.00% 27.43 89.60% 0.574 Second

1196 CA Mariposa Non-metro 15.63% 71.10% 8.10% 56.10% 0.00 0.00% 12.21 65.50% 0.574 Second

1197 IN Hendricks Indianapolis-Carmel, IN MSA 14.85% 64.90% 8.03% 55.10% 0.00 0.00% 35.45 93.90% 0.574 Second

1198 PA Tioga Non-metro 14.65% 63.00% 9.38% 69.70% 0.00 0.00% 5.61 42.60% 0.573 Second

1199 NC Cumberland Fayetteville, NC MSA 12.90% 48.70% 8.72% 63.30% 2.69 81.50% 5.94 43.70% 0.573 Second

1200 LA Union Monroe, LA MSA 12.53% 45.80% 10.26% 77.60% 0.00 0.00% 18.17 79.20% 0.573 Second

1201 GA Habersham Non-metro 15.25% 68.00% 10.00% 75.20% 0.00 0.00% 0.00 0.00% 0.573 Second

1202 MT Daniels Non-metro 13.78% 56.10% 8.70% 62.90% 0.00 0.00% 44.44 96.70% 0.573 Second

1203 TX Baylor Non-metro 18.74% 88.00% 8.02% 55.10% 0.00 0.00% 0.00 0.00% 0.572 Second

1204 WA Clallam Non-metro 15.66% 71.30% 8.39% 59.10% 0.00 0.00% 7.95 50.70% 0.572 Second

1205 CA Sierra Non-metro 28.87% 99.20% 6.97% 43.80% 0.00 0.00% 0.00 0.00% 0.572 Second

1206 UT Iron Non-metro 13.59% 54.30% 8.85% 64.40% 0.00 0.00% 46.93 97.10% 0.572 Second

1207 WA Stevens Non-metro 15.47% 70.00% 7.61% 51.00% 0.00 0.00% 24.91 87.70% 0.572 Second

1208 IN Lake Gary, IN MD 13.83% 56.50% 7.37% 48.50% 6.97 88.40% 11.29 62.40% 0.571 Second

1209 MO Worth Non-metro 14.75% 64.00% 10.37% 78.60% 0.00 0.00% 0.00 0.00% 0.570 Second

41 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 42: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1210 SC Dorchester Charleston-North Charleston-Summerville, SC MSA 14.70% 63.60% 9.32% 69.40% 0.00 0.00% 4.37 38.40% 0.570 Second

1211 IN Monroe Bloomington, IN MSA 15.39% 69.20% 7.92% 54.10% 0.00 0.00% 17.04 77.10% 0.570 Second

1212 OK Cherokee Non-metro 12.17% 43.00% 8.83% 64.20% 136.18 99.20% 5.48 42.10% 0.570 Second

1213 CA Lake Non-metro 15.01% 66.10% 8.59% 61.30% 0.00 0.00% 10.65 60.10% 0.570 Second

1214 UT Tooele Salt Lake City, UT MSA 12.56% 46.10% 7.42% 48.70% 16.96 93.90% 44.36 96.60% 0.570 Second

1215 CA Yuba Yuba City, CA MSA 15.34% 68.70% 8.93% 65.40% 0.00 0.00% 2.44 32.80% 0.569 Second

1216 IN Dubois Non-metro 15.54% 70.50% 9.56% 71.80% 0.00 0.00% 0.00 0.00% 0.569 Second

1217 VA New Kent Richmond, VA MSA 15.89% 73.10% 9.29% 69.10% 0.00 0.00% 0.00 0.00% 0.569 Second

1218 OR Columbia Portland-Vancouver-Hillsboro, OR-WA MSA 14.08% 58.50% 8.67% 62.40% 0.00 0.00% 22.53 85.10% 0.569 Second

1219 NE Hall Non-metro 13.98% 57.60% 8.84% 64.30% 0.00 0.00% 19.54 80.90% 0.569 Second

1220 TX Hamilton Non-metro 14.11% 58.80% 9.26% 68.80% 0.00 0.00% 10.08 58.10% 0.569 Second

1221 CO Jackson Non-metro 13.79% 56.30% 11.43% 85.80% 0.00 0.00% 0.00 0.00% 0.568 Second

1222 IN Pike Non-metro 13.49% 53.30% 12.05% 88.80% 0.00 0.00% 0.00 0.00% 0.568 Second

1223 OK Muskogee Non-metro 13.88% 56.90% 7.25% 47.10% 10.71 91.40% 10.94 60.90% 0.568 Second

1224 VA Richmond Richmond, VA MSA 13.13% 50.40% 8.07% 55.70% 32.83 96.40% 6.87 47.20% 0.568 Second

1225 ME Franklin Non-metro 12.70% 47.40% 7.56% 50.50% 6.85 88.10% 25.40 88.10% 0.568 Second

1226 NY Chenango Non-metro 13.63% 54.40% 7.14% 45.60% 2.93 82.00% 22.93 85.60% 0.568 Second

1227 NM Rio Arriba Non-metro 14.67% 63.20% 7.21% 46.50% 4.41 84.90% 5.96 43.80% 0.568 Second

1228 TN Loudon Knoxville, TN MSA 15.01% 66.10% 9.16% 67.60% 0.00 0.00% 2.36 32.50% 0.567 Second

1229 SD Yankton Non-metro 15.59% 70.70% 8.29% 58.20% 0.00 0.00% 8.18 51.60% 0.567 Second

1230 MS Covington Non-metro 13.92% 57.30% 8.42% 59.50% 0.00 0.00% 287.10 100.00% 0.567 Second

1231 PA Lycoming Williamsport, PA MSA 13.55% 54.10% 7.54% 50.10% 2.61 81.20% 13.43 69.10% 0.567 Second

1232 OH Erie Sandusky, OH MSA 14.43% 61.30% 8.72% 63.30% 0.00 0.00% 13.14 67.90% 0.566 Second

1233 SC Pickens Greenville-Mauldin-Easley, SC MSA 14.40% 61.00% 9.33% 69.50% 0.00 0.00% 6.08 44.20% 0.566 Second

1234 MI Shiawassee Non-metro 14.64% 62.90% 8.40% 59.30% 0.00 0.00% 17.25 77.30% 0.566 Second

1235 AK Dillingham Non-metro 12.50% 45.60% 9.96% 74.80% 0.00 0.00% 21.93 84.30% 0.566 Second

1236 TN Blount Knoxville, TN MSA 14.90% 65.30% 8.75% 63.60% 0.00 0.00% 7.74 50.20% 0.566 Second

1237 TX Live Oak Non-metro 15.91% 73.30% 7.14% 45.60% 9.03 90.20% 0.00 0.00% 0.566 Second

1238 WY Laramie Cheyenne, WY MSA 13.70% 55.30% 9.14% 67.30% 0.00 0.00% 16.22 75.30% 0.566 Second

1239 MS Issaquena Non-metro 12.66% 47.20% 13.89% 94.20% 0.00 0.00% 0.00 0.00% 0.566 Second

1240 VA Middlesex Non-metro 14.80% 64.40% 10.19% 76.80% 0.00 0.00% 0.00 0.00% 0.565 Second

42 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 43: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1241 LA Rapides Alexandria, LA MSA 11.88% 40.30% 9.13% 67.00% 10.80 91.50% 5.97 43.90% 0.565 Second

1242 AZ Cochise Non-metro 14.31% 60.20% 8.58% 61.20% 0.00 0.00% 17.78 78.40% 0.564 Second

1243 VA Carroll Non-metro 12.55% 46.00% 8.56% 60.90% 40.22 97.20% 4.56 39.20% 0.564 Second

1244 NC Yadkin Winston-Salem, NC MSA 14.99% 65.90% 8.54% 60.80% 0.00 0.00% 9.69 57.00% 0.564 Second

1245 TN Madison Jackson, TN MSA 14.74% 63.90% 9.16% 67.60% 0.00 0.00% 4.17 37.80% 0.564 Second

1246 TX Hutchinson Non-metro 13.69% 55.20% 11.40% 85.70% 0.00 0.00% 0.00 0.00% 0.564 Second

1247 CT Tolland Hartford-West Hartford-East Hartford, CT MSA 15.04% 66.30% 8.22% 57.50% 0.00 0.00% 13.06 67.70% 0.563 Second

1248 NC Burke Hickory-Lenoir-Morganton, NC MSA 14.83% 64.70% 8.98% 65.90% 0.00 0.00% 4.96 40.50% 0.563 Second

1249 IN Vigo Terre Haute, IN MSA 13.99% 57.60% 8.91% 65.00% 0.00 0.00% 14.81 72.40% 0.563 Second

1250 WI Oconto Green Bay, WI MSA 12.62% 46.80% 7.36% 48.40% 121.91 99.00% 20.36 82.20% 0.562 Second

1251 NC Henderson Asheville, NC MSA 13.27% 51.50% 8.18% 57.10% 18.53 94.20% 2.76 33.40% 0.562 Second

1252 MD Calvert Washington-Arlington-Alexandria, DC-VA-MD-WV MD 14.95% 65.60% 8.67% 62.40% 0.00 0.00% 7.63 49.80% 0.562 Second

1253 AL Morgan Decatur, AL MSA 15.18% 67.10% 8.88% 64.70% 0.00 0.00% 3.02 34.20% 0.561 Second

1254 MO Ralls Non-metro 12.30% 43.90% 10.10% 76.00% 0.00 0.00% 20.16 81.80% 0.561 Second

1255 LA Orleans New Orleans-Metairie-Kenner, LA MSA 11.46% 36.40% 9.01% 66.10% 14.97 93.40% 9.91 57.60% 0.561 Second

1256 NY Lewis Non-metro 15.13% 67.00% 7.99% 54.80% 0.00 0.00% 15.44 73.80% 0.561 Second

1257 OR Union Non-metro 14.24% 59.60% 8.92% 65.20% 0.00 0.00% 11.13 61.80% 0.561 Third

1258 AZ Graham Non-metro 16.13% 75.00% 7.55% 50.30% 0.00 0.00% 10.44 59.40% 0.561 Third

1259 LA St. Martin Lafayette, LA MSA 13.59% 54.20% 8.03% 55.10% 6.27 87.70% 3.32 35.10% 0.560 Third

1260 NC Pasquotank Non-metro 14.71% 63.60% 8.06% 55.60% 3.49 83.10% 0.00 0.00% 0.560 Third

1261 NY Schoharie Albany-Schenectady-Troy, NY MSA 15.73% 72.00% 7.12% 45.30% 9.10 90.20% 0.00 0.00% 0.559 Third

1262 TX San Patricio Corpus Christi, TX MSA 13.41% 52.60% 7.06% 44.70% 24.83 95.40% 15.78 74.60% 0.559 Third

1263 MD Dorchester Non-metro 13.00% 49.30% 7.84% 53.50% 10.71 91.40% 9.54 56.50% 0.559 Third

1264 MI Houghton Non-metro 13.03% 49.70% 9.12% 66.90% 12.35 92.50% 0.00 0.00% 0.559 Third

1265 TX Ellis Dallas-Plano-Irving, TX MD 13.38% 52.30% 7.58% 50.70% 5.34 86.40% 10.81 60.50% 0.559 Third

1266 GA Lowndes Valdosta, GA MSA 13.36% 52.00% 8.04% 55.30% 2.65 81.40% 7.16 48.20% 0.559 Third

1267 CO Ouray Non-metro 15.11% 66.70% 7.81% 53.00% 0.00 0.00% 18.54 79.70% 0.559 Third

1268 GA Coffee Non-metro 13.40% 52.50% 9.42% 70.20% 0.00 0.00% 12.99 67.40% 0.558 Third

1269 MN Dodge Rochester, MN MSA 14.36% 60.70% 8.03% 55.10% 0.00 0.00% 36.82 94.70% 0.558 Third

1270 GA Bryan Savannah, GA MSA 14.39% 60.90% 8.07% 55.70% 0.00 0.00% 29.77 91.40% 0.558 Third

1271 NY Sullivan Non-metro 15.37% 69.20% 8.09% 56.00% 0.00 0.00% 9.69 57.00% 0.558 Third

43 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 44: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1272 SD Campbell Non-metro 15.00% 66.00% 9.76% 73.40% 0.00 0.00% 0.00 0.00% 0.558 Third

1273 VA Essex Non-metro 16.75% 78.50% 8.56% 60.90% 0.00 0.00% 0.00 0.00% 0.558 Third

1274 AK Sitka Non-metro 13.19% 50.90% 10.19% 76.80% 0.00 0.00% 6.69 46.40% 0.557 Third

1275 TX Hunt Dallas-Plano-Irving, TX MD 13.61% 54.30% 7.64% 51.30% 2.97 82.10% 8.32 52.50% 0.557 Third

1276 OH Tuscarawas Non-metro 14.60% 62.80% 7.98% 54.70% 0.00 0.00% 24.21 86.80% 0.557 Third

1277 UT Garfield Non-metro 15.20% 67.30% 7.26% 47.30% 0.00 0.00% 61.60 98.40% 0.557 Third

1278 NC Tyrrell Non-metro 15.07% 66.40% 9.68% 72.80% 0.00 0.00% 0.00 0.00% 0.557 Third

1279 NC Davie Winston-Salem, NC MSA 14.57% 62.60% 10.16% 76.60% 0.00 0.00% 0.00 0.00% 0.557 Third

1280 OK Garvin Non-metro 13.79% 56.30% 10.90% 82.90% 0.00 0.00% 0.00 0.00% 0.557 Third

1281 GA Hall Gainesville, GA MSA 14.34% 60.60% 9.14% 67.30% 0.00 0.00% 6.22 45.00% 0.557 Third

1282 WI Rock Janesville, WI MSA 13.27% 51.50% 7.50% 49.40% 2.05 79.80% 15.16 73.10% 0.557 Third

1283 VT Orleans Non-metro 13.75% 55.70% 6.21% 34.70% 56.14 98.00% 44.80 96.80% 0.556 Third

1284 GA Whitfield Dalton, GA MSA 14.03% 58.00% 8.69% 62.80% 0.00 0.00% 15.06 72.90% 0.556 Third

1285 TX Grimes Non-metro 15.29% 68.40% 7.64% 51.30% 0.00 0.00% 17.04 77.00% 0.556 Third

1286 OR Jefferson Non-metro 15.79% 72.40% 9.07% 66.50% 0.00 0.00% 0.00 0.00% 0.556 Third

1287 TX Kleberg Non-metro 12.32% 44.10% 7.91% 54.00% 10.54 91.20% 14.61 72.00% 0.556 Third

1288 IN Clinton Non-metro 15.42% 69.60% 7.75% 52.40% 0.00 0.00% 12.96 67.30% 0.555 Third

1289 IL Knox Non-metro 13.37% 52.20% 9.52% 71.20% 0.00 0.00% 10.80 60.50% 0.554 Third

1290 IL Putnam Non-metro 15.96% 73.60% 8.89% 64.80% 0.00 0.00% 0.00 0.00% 0.554 Third

1291 IA Story Ames, IA MSA 14.12% 58.90% 8.95% 65.70% 0.00 0.00% 8.71 54.00% 0.552 Third

1292 SD Hanson Non-metro 15.65% 71.20% 9.12% 66.90% 0.00 0.00% 0.00 0.00% 0.552 Third

1293 WI La Crosse La Crosse, WI-MN MSA 14.58% 62.60% 7.59% 50.80% 0.00 0.00% 62.26 98.50% 0.552 Third

1294 CA Trinity Non-metro 17.84% 84.40% 6.05% 33.00% 0.00 0.00% 20.39 82.20% 0.552 Third

1295 NY Clinton Non-metro 13.66% 54.80% 7.24% 46.90% 2.02 79.70% 11.89 64.70% 0.551 Third

1296 IN Dearborn Cincinnati-Middletown, OH-KY-IN MSA 15.05% 66.30% 8.43% 59.60% 0.00 0.00% 6.93 47.50% 0.551 Third

1297 IN St. Joseph South Bend-Mishawaka, IN-MI MSA 14.14% 59.00% 8.08% 55.90% 0.00 0.00% 28.24 90.30% 0.550 Third

1298 PA Centre State College, PA MSA 13.08% 50.00% 10.23% 77.30% 0.00 0.00% 4.64 39.30% 0.549 Third

1299 VA Spotsylvania Washington-Arlington-Alexandria, DC-VA-MD-WV MD 14.03% 58.00% 8.71% 63.10% 0.00 0.00% 11.74 63.90% 0.548 Third

1300 WA Klickitat Non-metro 15.31% 68.50% 8.29% 58.20% 0.00 0.00% 5.12 41.00% 0.548 Third

1301 WI Barron Non-metro 14.31% 60.30% 7.88% 53.90% 10.16 90.90% 0.00 0.00% 0.548 Third

1302 TX Roberts Non-metro 13.21% 51.10% 11.43% 85.80% 0.00 0.00% 0.00 0.00% 0.548 Third

44 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 45: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1303 MS Lincoln Non-metro 14.97% 65.70% 8.40% 59.30% 0.00 0.00% 6.98 47.60% 0.548 Third

1304 NC Wayne Goldsboro, NC MSA 15.50% 70.20% 8.15% 56.80% 0.00 0.00% 4.60 39.30% 0.547 Third

1305 MS Holmes Non-metro 12.86% 48.50% 11.90% 88.10% 0.00 0.00% 0.00 0.00% 0.546 Third

1306 IN Floyd Louisville/Jefferson County, KY-IN MSA 14.09% 58.60% 8.53% 60.70% 0.00 0.00% 13.31 68.60% 0.546 Third

1307 MO Lafayette Kansas City, MO-KS MSA 13.78% 56.00% 8.57% 61.10% 0.00 0.00% 17.22 77.30% 0.546 Third

1308 NC Scotland Non-metro 13.36% 52.20% 8.69% 62.80% 4.77 85.50% 0.00 0.00% 0.546 Third

1309 KY Nelson Louisville/Jefferson County, KY-IN MSA 12.58% 46.40% 8.10% 56.10% 5.51 86.70% 7.16 48.20% 0.545 Third

1310 TX Matagorda Non-metro 14.28% 59.90% 8.84% 64.30% 0.00 0.00% 6.83 47.00% 0.544 Third

1311 CO Montrose Non-metro 14.32% 60.40% 8.06% 55.60% 0.00 0.00% 18.18 79.20% 0.543 Third

1312 KY Calloway Non-metro 14.14% 59.00% 9.23% 68.50% 0.00 0.00% 2.70 33.20% 0.543 Third

1313 OH Paulding Non-metro 13.85% 56.60% 8.53% 60.70% 0.00 0.00% 15.38 73.60% 0.543 Third

1314 NC Greene Greenville, NC MSA 14.84% 64.80% 8.23% 57.60% 0.00 0.00% 8.43 53.10% 0.543 Third

1315 IN Hancock Indianapolis-Carmel, IN MSA 15.09% 66.60% 7.20% 46.40% 0.00 0.00% 28.49 90.60% 0.543 Third

1316 ND Renville Non-metro 18.62% 87.70% 7.32% 47.90% 0.00 0.00% 0.00 0.00% 0.542 Third

1317 KY Rowan Non-metro 12.40% 44.60% 9.63% 72.40% 0.00 0.00% 15.63 74.20% 0.542 Third

1318 SC Berkeley Charleston-North Charleston-Summerville, SC MSA 13.79% 56.20% 9.04% 66.30% 0.00 0.00% 8.21 51.80% 0.542 Third

1319 KS Stanton Non-metro 14.22% 59.50% 7.69% 51.80% 0.00 0.00% 43.10 96.40% 0.542 Third

1320 TX Glasscock Non-metro 24.18% 97.50% 6.45% 37.90% 0.00 0.00% 0.00 0.00% 0.542 Third

1321 MI Clinton Lansing-East Lansing, MI MSA 14.40% 61.00% 7.68% 51.60% 0.00 0.00% 29.17 91.10% 0.542 Third

1322 NC Halifax Non-metro 14.08% 58.50% 9.23% 68.50% 0.00 0.00% 2.78 33.50% 0.542 Third

1323 IN Decatur Non-metro 16.85% 79.20% 8.10% 56.10% 0.00 0.00% 0.00 0.00% 0.541 Third

1324 GA Clarke Athens-Clarke County, GA MSA 13.56% 54.20% 9.61% 72.10% 0.00 0.00% 3.61 36.00% 0.541 Third

1325 VA Frederick Winchester, VA-WV MSA 14.88% 65.10% 8.51% 60.50% 0.00 0.00% 4.37 38.50% 0.541 Third

1326 TN Clay Non-metro 12.42% 44.90% 9.52% 71.20% 0.00 0.00% 16.78 76.30% 0.541 Third

1327 MI Midland Non-metro 14.09% 58.70% 8.22% 57.50% 0.00 0.00% 16.47 75.90% 0.541 Third

1328 ID Franklin Logan, UT-ID MSA 13.65% 54.50% 8.61% 61.70% 0.00 0.00% 16.35 75.70% 0.541 Third

1329 FL Broward Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 12.97% 49.20% 7.94% 54.30% 3.82 83.70% 5.60 42.60% 0.540 Third

1330 PA Clarion Non-metro 13.80% 56.40% 10.38% 78.60% 0.00 0.00% 0.00 0.00% 0.540 Third

1331 IA Jasper Non-metro 13.50% 53.30% 8.69% 62.80% 0.00 0.00% 15.84 74.80% 0.539 Third

1332 OH Preble Dayton, OH MSA 13.93% 57.30% 7.96% 54.60% 0.00 0.00% 30.07 91.60% 0.539 Third

1333 GA Jackson Non-metro 12.42% 44.90% 7.82% 53.20% 3.88 83.80% 11.47 62.90% 0.539 Third

45 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 46: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1334 GA Marion Columbus, GA-AL MSA 14.63% 62.90% 9.56% 71.80% 0.00 0.00% 0.00 0.00% 0.539 Third

1335 IL Boone Rockford, IL MSA 14.77% 64.20% 7.23% 46.70% 0.00 0.00% 36.99 94.80% 0.538 Third

1336 GA Pickens Atlanta-Sandy Springs-Marietta, GA MSA 12.84% 48.30% 8.93% 65.40% 0.00 0.00% 21.09 83.30% 0.538 Third

1337 MS Oktibbeha Non-metro 13.02% 49.40% 8.91% 65.00% 0.00 0.00% 19.01 80.50% 0.538 Third

1338 VT Franklin Burlington-South Burlington, VT MSA 13.20% 50.90% 7.12% 45.30% 2.37 80.60% 14.88 72.60% 0.538 Third

1339 TX Menard Non-metro 10.43% 28.50% 10.69% 81.40% 68.97 98.30% 0.00 0.00% 0.538 Third

1340 MN Goodhue Non-metro 13.84% 56.60% 8.01% 54.90% 0.00 0.00% 29.29 91.20% 0.537 Third

1341 VA Chesapeake Virginia Beach-Norfolk-Newport News, VA-NC MSA 14.60% 62.80% 8.37% 58.90% 0.00 0.00% 7.65 50.00% 0.537 Third

1342 KS Wyandotte Kansas City, MO-KS MSA 14.57% 62.50% 7.57% 50.60% 0.00 0.00% 21.58 84.00% 0.536 Third

1343 NC Lenoir Non-metro 14.99% 65.90% 8.35% 58.80% 0.00 0.00% 4.10 37.40% 0.536 Third

1344 OH Seneca Non-metro 14.36% 60.70% 7.65% 51.40% 0.00 0.00% 22.95 85.60% 0.534 Third

1345 IL Sangamon Springfield, IL MSA 11.68% 38.30% 7.70% 51.80% 2.70 81.50% 29.86 91.50% 0.533 Third

1346 AL Autauga Montgomery, AL MSA 13.22% 51.10% 9.17% 67.70% 0.00 0.00% 9.96 57.80% 0.533 Third

1347 MI Lenawee Non-metro 13.46% 52.90% 8.26% 57.90% 0.00 0.00% 27.24 89.30% 0.533 Third

1348 IN Gibson Evansville, IN-KY MSA 14.61% 62.80% 8.14% 56.70% 0.00 0.00% 8.80 54.40% 0.532 Third

1349 NM McKinley Non-metro 14.72% 63.70% 9.32% 69.40% 0.00 0.00% 0.00 0.00% 0.532 Third

1350 FL Collier Naples-Marco Island, FL MSA 13.54% 53.80% 7.62% 51.10% 0.52 75.50% 3.88 36.80% 0.532 Third

1351 NM Doña Ana Las Cruces, NM MSA 12.79% 47.90% 7.39% 48.60% 4.87 85.80% 10.63 60.00% 0.532 Third

1352 TX Hudspeth Non-metro 17.68% 83.90% 5.15% 23.80% 714.29 99.70% 0.00 0.00% 0.531 Third

1353 OH Pickaway Columbus, OH MSA 12.70% 47.50% 6.72% 41.00% 13.97 93.00% 20.69 82.70% 0.530 Third

1354 TX Wise Fort Worth-Arlington, TX MD 13.86% 56.70% 7.12% 45.30% 5.56 86.80% 3.18 34.80% 0.530 Third

1355 TX Cooke Non-metro 13.50% 53.30% 7.42% 48.70% 2.58 81.20% 4.88 40.40% 0.530 Third

1356 WA Walla Walla Non-metro 13.09% 50.10% 8.97% 65.80% 0.00 0.00% 12.31 65.70% 0.529 Third

1357 TX Medina San Antonio-New Braunfels, TX MSA 14.38% 60.90% 6.84% 42.40% 2.88 81.90% 3.03 34.20% 0.529 Third

1358 WY Sublette Non-metro 16.92% 79.60% 7.78% 52.70% 0.00 0.00% 0.00 0.00% 0.529 Third

1359 IN Steuben Non-metro 13.65% 54.60% 8.05% 55.50% 0.00 0.00% 26.12 88.60% 0.529 Third

1360 ID Butte Non-metro 14.08% 58.60% 9.80% 73.60% 0.00 0.00% 0.00 0.00% 0.529 Third

1361 VA Charlottesville Charlottesville, VA MSA 14.54% 62.30% 8.29% 58.20% 0.00 0.00% 6.59 46.20% 0.528 Third

1362 NM San Juan Farmington, NM MSA 15.41% 69.40% 7.30% 47.80% 0.00 0.00% 10.38 59.30% 0.528 Third

1363 NC Franklin Raleigh-Cary, NC MSA 13.26% 51.40% 7.29% 47.70% 4.69 85.40% 6.67 46.30% 0.528 Third

1364 MI Berrien Niles-Benton Harbor, MI MSA 13.78% 56.00% 7.91% 54.00% 0.00 0.00% 25.21 88.00% 0.528 Third

46 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 47: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1365 AR Izard Non-metro 11.94% 40.70% 9.56% 71.80% 0.00 0.00% 17.30 77.40% 0.527 Third

1366 IL Henderson Non-metro 15.33% 68.70% 8.71% 63.10% 0.00 0.00% 0.00 0.00% 0.527 Third

1367 NC Stokes Winston-Salem, NC MSA 13.78% 56.10% 8.91% 65.00% 0.00 0.00% 5.68 42.80% 0.527 Third

1368 IA Wayne Non-metro 11.97% 40.80% 9.80% 73.60% 0.00 0.00% 13.61 69.60% 0.527 Third

1369 ND Morton Bismarck, ND MSA 14.76% 64.10% 7.01% 44.20% 0.00 0.00% 35.60 94.00% 0.527 Third

1370 SC Edgefield Augusta-Richmond County, GA-SC MSA 14.07% 58.40% 7.72% 52.00% 0.00 0.00% 22.70 85.30% 0.527 Third

1371 WY Niobrara Non-metro 12.25% 43.50% 8.74% 63.50% 0.00 0.00% 66.23 98.80% 0.527 Third

1372 GA DeKalb Atlanta-Sandy Springs-Marietta, GA MSA 11.82% 39.50% 8.26% 57.90% 5.10 86.30% 7.96 50.80% 0.527 Third

1373 MD St. Mary's Non-metro 14.25% 59.60% 8.76% 63.70% 0.00 0.00% 2.79 33.50% 0.527 Third

1374 MI Charlevoix Non-metro 12.17% 42.90% 6.82% 42.10% 6.60 88.00% 64.06 98.60% 0.527 Third

1375 WA Skamania Portland-Vancouver-Hillsboro, OR-WA MSA 15.52% 70.30% 7.19% 46.20% 0.00 0.00% 10.78 60.40% 0.526 Third

1376 MO Newton Joplin, MO MSA 13.98% 57.60% 8.26% 57.90% 0.00 0.00% 11.57 63.30% 0.525 Third

1377 PA Northumberland Non-metro 14.69% 63.50% 7.54% 50.10% 0.00 0.00% 14.14 70.90% 0.525 Third

1378 MI Montcalm Non-metro 13.79% 56.20% 8.32% 58.40% 0.00 0.00% 12.78 66.80% 0.525 Third

1379 SC Kershaw Columbia, SC MSA 13.87% 56.80% 8.66% 62.30% 0.00 0.00% 7.24 48.50% 0.525 Third

1380 MS Yazoo Non-metro 12.91% 48.90% 10.81% 82.30% 0.00 0.00% 0.00 0.00% 0.525 Third

1381 SD Brule Non-metro 13.85% 56.70% 9.91% 74.50% 0.00 0.00% 0.00 0.00% 0.525 Third

1382 IL Johnson Non-metro 13.41% 52.60% 8.06% 55.60% 11.26 91.90% 0.00 0.00% 0.525 Third

1383 MN Meeker Non-metro 13.49% 53.20% 6.90% 42.90% 4.95 86.00% 8.59 53.60% 0.524 Third

1384 NE Hayes Non-metro 11.76% 39.00% 13.04% 92.00% 0.00 0.00% 0.00 0.00% 0.524 Third

1385 CO Archuleta Non-metro 14.02% 57.90% 8.39% 59.10% 0.00 0.00% 9.20 55.30% 0.523 Third

1386 VA Emporia Non-metro 10.93% 32.80% 9.85% 74.10% 26.95 95.70% 0.00 0.00% 0.523 Third

1387 NE Lincoln Non-metro 13.12% 50.30% 8.13% 56.60% 0.00 0.00% 40.33 95.60% 0.523 Third

1388 GA Thomas Non-metro 13.71% 55.30% 9.15% 67.30% 0.00 0.00% 2.13 32.10% 0.523 Third

1389 MD Cecil Wilmington, DE-MD-NJ MD 15.18% 67.10% 8.06% 55.60% 0.00 0.00% 1.35 31.40% 0.522 Third

1390 MN McLeod Non-metro 12.40% 44.60% 6.64% 40.20% 3.39 82.80% 72.75 99.10% 0.521 Third

1391 TX Falls Non-metro 13.47% 53.00% 8.33% 58.60% 0.00 0.00% 15.22 73.20% 0.520 Third

1392 GA Grady Non-metro 15.83% 72.60% 8.20% 57.30% 0.00 0.00% 0.00 0.00% 0.520 Third

1393 IN White Non-metro 13.92% 57.30% 7.55% 50.30% 0.00 0.00% 26.19 88.70% 0.519 Third

1394 MO Warren St. Louis, MO-IL MSA 14.96% 65.70% 7.98% 54.70% 0.00 0.00% 4.05 37.30% 0.519 Third

1395 AR Cleburne Non-metro 14.11% 58.70% 8.37% 58.90% 0.00 0.00% 7.22 48.30% 0.519 Third

47 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 48: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1396 MN Chisago Minneapolis-St. Paul-bloomington, MN-WI MSA 13.54% 54.00% 8.11% 56.40% 0.00 0.00% 16.78 76.40% 0.518 Third

1397 WI Iron Non-metro 16.89% 79.50% 7.53% 50.00% 0.00 0.00% 0.00 0.00% 0.518 Third

1398 NE Hamilton Non-metro 13.94% 57.40% 8.42% 59.50% 0.00 0.00% 7.75 50.30% 0.518 Third

1399 MI Ogemaw Non-metro 12.20% 43.20% 7.09% 45.00% 12.52 92.60% 14.76 72.20% 0.518 Third

1400 IL Kankakee Kankakee-Bradley, IL MSA 12.73% 47.60% 7.18% 46.10% 11.65 92.10% 7.83 50.50% 0.517 Third

1401 OH Trumbull Youngstown-Warren-Boardman, OH-PA MSA 14.25% 59.70% 7.23% 46.70% 0.00 0.00% 30.25 91.80% 0.517 Third

1402 IA Jefferson Non-metro 14.12% 58.90% 8.59% 61.30% 0.00 0.00% 3.57 35.90% 0.517 Third

1403 TX Jasper Non-metro 13.68% 55.00% 6.05% 33.00% 3.37 82.70% 20.22 82.00% 0.517 Third

1404 VA Poquoson Virginia Beach-Norfolk-Newport News, VA-NC MSA 14.51% 62.10% 9.13% 67.00% 0.00 0.00% 0.00 0.00% 0.516 Third

1405 AL Choctaw Non-metro 14.47% 61.70% 9.15% 67.30% 0.00 0.00% 0.00 0.00% 0.516 Third

1406 MD Washington Hagerstown-Martinsburg, MD-WV MSA 13.90% 57.10% 8.05% 55.50% 0.00 0.00% 12.16 65.30% 0.516 Third

1407 VA Bedford Lynchburg, VA MSA 13.75% 55.70% 8.40% 59.30% 0.00 0.00% 8.99 54.80% 0.515 Third

1408 TX Nacogdoches Non-metro 13.53% 53.70% 8.10% 56.10% 0.00 0.00% 16.16 75.20% 0.514 Third

1409 TN Shelby Memphis, TN-MS-AR MSA 13.03% 49.50% 7.34% 48.20% 0.22 74.50% 7.40 49.00% 0.514 Third

1410 VA Dickenson Non-metro 13.03% 49.70% 7.94% 54.30% 67.80 98.20% 0.00 0.00% 0.514 Third

1411 AK Wrangell Non-metro 15.13% 67.00% 8.60% 61.50% 0.00 0.00% 0.00 0.00% 0.514 Third

1412 NC Onslow Jacksonville, NC MSA 13.97% 57.50% 8.06% 55.60% 0.00 0.00% 11.06 61.40% 0.514 Third

1413 FL Monroe Non-metro 13.61% 54.40% 8.94% 65.50% 0.00 0.00% 2.90 33.90% 0.514 Third

1414 SD Dewey Non-metro 10.76% 31.00% 9.63% 72.40% 714.29 99.70% 0.00 0.00% 0.513 Third

1415 KS Miami Kansas City, MO-KS MSA 12.39% 44.50% 7.06% 44.70% 3.45 83.00% 15.08 73.00% 0.513 Third

1416 ID Boise Boise City-Nampa, ID MSA 13.79% 56.30% 9.56% 71.80% 0.00 0.00% 0.00 0.00% 0.512 Third

1417 MO Barry Non-metro 13.42% 52.70% 8.44% 59.80% 0.00 0.00% 11.25 62.20% 0.512 Third

1418 KS Russell Non-metro 15.23% 67.70% 8.49% 60.30% 0.00 0.00% 0.00 0.00% 0.512 Third

1419 TX Liberty Houston-Sugar Land-baytown, TX MSA 14.20% 59.40% 6.56% 39.40% 1.92 79.50% 4.00 37.10% 0.512 Third

1420 GA Sumter Non-metro 13.78% 55.90% 8.45% 59.90% 0.00 0.00% 7.24 48.50% 0.512 Third

1421 TX Austin Houston-Sugar Land-baytown, TX MSA 13.16% 50.60% 6.44% 37.70% 10.26 90.90% 12.74 66.80% 0.511 Third

1422 CO Huerfano Non-metro 12.82% 48.10% 8.25% 57.80% 0.00 0.00% 24.42 87.10% 0.511 Third

1423 FL St. Johns Jacksonville, FL MSA 13.38% 52.30% 8.51% 60.50% 0.00 0.00% 10.35 59.20% 0.510 Third

1424 KS Wichita Non-metro 14.11% 58.80% 9.26% 68.80% 0.00 0.00% 0.00 0.00% 0.510 Third

1425 TN Sumner Nashville-Davidson--Murfreesboro--Franklin, TN MSA 14.28% 59.90% 8.18% 57.10% 0.00 0.00% 5.50 42.20% 0.510 Third

1426 OK Custer Non-metro 11.66% 38.00% 7.64% 51.30% 4.02 84.10% 13.32 68.60% 0.510 Third

48 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 49: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1427 NC Haywood Asheville, NC MSA 12.07% 41.80% 7.85% 53.70% 27.72 95.90% 1.71 31.70% 0.510 Third

1428 OR Wasco Non-metro 15.09% 66.60% 7.68% 51.60% 0.00 0.00% 3.79 36.40% 0.509 Third

1429 KS Butler Wichita, KS MSA 14.05% 58.20% 8.48% 60.20% 0.00 0.00% 3.46 35.60% 0.509 Third

1430 WI Polk Non-metro 12.71% 47.50% 6.77% 41.40% 2.50 81.00% 14.63 72.00% 0.509 Third

1431 GA Walton Atlanta-Sandy Springs-Marietta, GA MSA 13.49% 53.20% 8.56% 60.90% 0.00 0.00% 8.28 52.10% 0.509 Third

1432 ND Ramsey Non-metro 12.66% 47.10% 8.22% 57.50% 0.00 0.00% 27.97 90.10% 0.509 Third

1433 TX Rusk Longview, TX MSA 14.00% 57.80% 9.31% 69.30% 0.00 0.00% 0.00 0.00% 0.508 Third

1434 WI Sauk Non-metro 14.00% 57.70% 7.19% 46.20% 0.00 0.00% 32.37 92.70% 0.508 Third

1435 CO Teller Colorado Springs, CO MSA 13.53% 53.60% 8.47% 60.00% 0.00 0.00% 8.53 53.50% 0.508 Third

1436 IA Humboldt Non-metro 12.99% 49.30% 8.78% 64.00% 0.00 0.00% 8.72 54.00% 0.507 Third

1437 TN Fayette Memphis, TN-MS-AR MSA 14.77% 64.20% 7.70% 51.80% 0.00 0.00% 5.75 43.10% 0.507 Third

1438 FL Alachua Gainesville, FL MSA 12.31% 44.00% 7.75% 52.40% 0.53 75.60% 6.43 45.70% 0.507 Third

1439 VA Brunswick Non-metro 12.06% 41.80% 7.33% 48.00% 12.18 92.30% 9.21 55.40% 0.507 Third

1440 IA Marion Non-metro 13.35% 52.00% 8.19% 57.20% 0.00 0.00% 13.45 69.20% 0.506 Third

1441 IL Fayette Non-metro 14.95% 65.60% 7.44% 49.00% 0.00 0.00% 6.92 47.30% 0.506 Third

1442 MI Lapeer Warren-Troy-Farmington Hills, MI MD 14.47% 61.70% 7.82% 53.20% 0.00 0.00% 6.56 46.10% 0.506 Third

1443 VA Stafford Washington-Arlington-Alexandria, DC-VA-MD-WV MD 13.30% 51.70% 8.07% 55.70% 0.00 0.00% 16.56 76.00% 0.506 Third

1444 TX Bastrop Austin-Round Rock-San Marcos, TX MSA 12.41% 44.70% 6.95% 43.60% 5.10 86.20% 12.35 65.90% 0.505 Third

1445 AK Haines Non-metro 12.50% 45.60% 8.43% 59.60% 0.00 0.00% 21.55 84.00% 0.505 Third

1446 MO Stone Non-metro 13.25% 51.30% 7.99% 54.80% 0.00 0.00% 18.97 80.40% 0.505 Third

1447 AR Hot Spring Non-metro 13.70% 55.20% 8.61% 61.70% 0.00 0.00% 4.00 37.10% 0.505 Third

1448 IN Adams Non-metro 12.92% 48.90% 8.04% 55.30% 0.00 0.00% 24.69 87.40% 0.504 Third

1449 MI Bay Bay City, MI MSA 13.11% 50.20% 8.77% 63.80% 0.00 0.00% 7.12 48.10% 0.504 Third

1450 MN Lake Non-metro 10.87% 32.10% 7.63% 51.20% 20.10 94.60% 16.34 75.60% 0.503 Third

1451 LA Jefferson New Orleans-Metairie-Kenner, LA MSA 11.87% 40.10% 7.66% 51.50% 7.81 89.20% 6.90 47.30% 0.503 Third

1452 VA Albemarle Charlottesville, VA MSA 12.64% 47.00% 7.50% 49.40% 1.04 76.90% 4.86 40.20% 0.503 Third

1453 GA Calhoun Non-metro 13.96% 57.50% 6.95% 43.60% 0.00 0.00% 50.76 97.60% 0.502 Third

1454 KY McLean Owensboro, KY MSA 11.47% 36.60% 9.07% 66.50% 0.00 0.00% 26.99 89.20% 0.502 Third

1455 TX Karnes Non-metro 12.46% 45.10% 6.98% 44.00% 9.64 90.60% 8.90 54.60% 0.502 Third

1456 VA Caroline Richmond, VA MSA 13.65% 54.70% 8.50% 60.40% 0.00 0.00% 5.17 41.20% 0.502 Third

1457 OK McClain Oklahoma City, OK MSA 14.02% 57.90% 7.68% 51.60% 0.00 0.00% 11.17 62.00% 0.500 Third

49 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 50: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1458 PA Dauphin Harrisburg-Carlisle, PA MSA 11.94% 40.70% 7.25% 47.10% 2.75 81.70% 12.53 66.30% 0.499 Third

1459 IL LaSalle Non-metro 13.48% 53.10% 7.73% 52.10% 1.34 77.80% 0.00 0.00% 0.499 Third

1460 OR Coos Non-metro 12.95% 49.10% 8.82% 64.10% 0.00 0.00% 6.42 45.70% 0.499 Third

1461 FL Pinellas Tampa-St. Petersburg-Clearwater, FL MSA 12.25% 43.50% 7.61% 51.00% 0.23 74.60% 6.46 45.80% 0.498 Third

1462 KS Shawnee Topeka, KS MSA 14.07% 58.30% 7.55% 50.30% 0.00 0.00% 11.68 63.70% 0.498 Third

1463 WI Forest Non-metro 12.10% 42.20% 6.26% 35.30% 909.09 99.80% 25.55 88.30% 0.498 Third

1464 WY Park Non-metro 11.58% 37.30% 7.09% 45.00% 2.63 81.30% 24.64 87.40% 0.498 Third

1465 AL Walker Birmingham-Hoover, AL MSA 14.27% 59.80% 8.87% 64.60% 0.00 0.00% 0.00 0.00% 0.498 Third

1466 WI Marinette Non-metro 12.45% 45.00% 6.25% 35.20% 17.01 93.90% 20.75 82.80% 0.498 Third

1467 IL Pope Non-metro 15.34% 68.90% 8.04% 55.30% 0.00 0.00% 0.00 0.00% 0.497 Third

1468 VA Tazewell Non-metro 12.56% 46.10% 7.20% 46.40% 14.68 93.20% 2.77 33.50% 0.497 Third

1469 MI Alpena Non-metro 10.95% 32.90% 7.39% 48.60% 12.52 92.50% 17.61 78.00% 0.497 Third

1470 TX Cochran Non-metro 17.05% 80.50% 6.94% 43.50% 0.00 0.00% 0.00 0.00% 0.496 Third

1471 KS Gray Non-metro 14.61% 62.90% 8.57% 61.10% 0.00 0.00% 0.00 0.00% 0.496 Third

1472 ND Nelson Non-metro 12.53% 45.90% 7.89% 54.00% 26.46 95.60% 0.00 0.00% 0.495 Third

1473 VA Roanoke Roanoke, VA MSA 14.17% 59.30% 8.09% 56.00% 0.00 0.00% 2.94 34.00% 0.495 Third

1474 ND McLean Non-metro 12.17% 42.90% 6.50% 38.50% 12.33 92.50% 17.14 77.10% 0.495 Third

1475 KY Bullitt Louisville/Jefferson County, KY-IN MSA 11.88% 40.30% 7.95% 54.50% 4.15 84.30% 1.68 31.60% 0.495 Third

1476 VA Salem Roanoke, VA MSA 13.81% 56.40% 9.15% 67.30% 0.00 0.00% 0.00 0.00% 0.495 Third

1477 VA Staunton Non-metro 14.16% 59.20% 8.86% 64.50% 0.00 0.00% 0.00 0.00% 0.495 Third

1478 GA Bibb Macon, GA MSA 12.91% 48.80% 8.94% 65.50% 0.00 0.00% 4.11 37.50% 0.495 Third

1479 NM Eddy Non-metro 12.61% 46.80% 8.01% 54.90% 0.00 0.00% 25.06 87.90% 0.495 Third

1480 TX Washington Non-metro 13.02% 49.40% 6.42% 37.40% 6.27 87.60% 10.52 59.60% 0.494 Third

1481 NM Guadalupe Non-metro 11.20% 35.00% 8.80% 64.00% 0.00 0.00% 56.02 98.20% 0.494 Third

1482 NC Clay Non-metro 13.99% 57.70% 8.97% 65.80% 0.00 0.00% 0.00 0.00% 0.494 Third

1483 PA Columbia Non-metro 13.69% 55.10% 8.39% 59.10% 0.00 0.00% 3.87 36.80% 0.494 Third

1484 KY Boyle Non-metro 12.02% 41.30% 8.56% 60.90% 4.27 84.60% 0.00 0.00% 0.493 Third

1485 KY Pendleton Cincinnati-Middletown, OH-KY-IN MSA 11.75% 38.90% 8.49% 60.30% 31.25 96.20% 0.00 0.00% 0.493 Third

1486 AL Russell Columbus, GA-AL MSA 13.06% 49.80% 8.90% 64.90% 0.00 0.00% 2.99 34.10% 0.493 Third

1487 NC Ashe Non-metro 13.72% 55.50% 9.16% 67.60% 0.00 0.00% 0.00 0.00% 0.492 Third

1488 MN Marshall Non-metro 13.89% 57.00% 7.17% 45.90% 0.00 0.00% 19.29 80.70% 0.492 Third

50 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 51: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1489 CO Pueblo Pueblo, CO MSA 13.12% 50.30% 8.40% 59.30% 0.00 0.00% 8.64 53.70% 0.492 Third

1490 LA St. Tammany New Orleans-Metairie-Kenner, LA MSA 11.86% 40.00% 7.35% 48.30% 3.86 83.80% 8.83 54.50% 0.492 Third

1491 TX Bell Killeen-Temple-Fort Hood, TX MSA 11.79% 39.20% 7.21% 46.50% 10.21 90.90% 9.95 57.70% 0.491 Third

1492 WI Green Non-metro 14.31% 60.30% 7.26% 47.30% 0.00 0.00% 10.81 60.50% 0.491 Third

1493 OH Champaign Non-metro 12.19% 43.10% 7.05% 44.50% 15.58 93.60% 6.70 46.50% 0.491 Third

1494 AR Crawford Fort Smith, AR-OK MSA 14.32% 60.40% 7.92% 54.10% 0.00 0.00% 2.32 32.40% 0.490 Third

1495 AL Franklin Non-metro 13.28% 51.60% 7.91% 54.00% 0.00 0.00% 12.82 66.90% 0.489 Third

1496 TX Madison Non-metro 15.98% 73.90% 7.35% 48.30% 0.00 0.00% 0.00 0.00% 0.489 Third

1497 VA Isle of Wight Virginia Beach-Norfolk-Newport News, VA-NC MSA 14.71% 63.70% 8.32% 58.40% 0.00 0.00% 0.00 0.00% 0.488 Third

1498 NV Lincoln Non-metro 14.15% 59.10% 8.70% 62.90% 0.00 0.00% 0.00 0.00% 0.488 Third

1499 WI Pepin Non-metro 15.48% 70.10% 6.12% 33.70% 0.00 0.00% 14.88 72.60% 0.488 Third

1500 VA Rockbridge Non-metro 14.47% 61.70% 7.54% 50.10% 0.00 0.00% 4.94 40.50% 0.488 Third

1501 PA Montour Non-metro 12.83% 48.30% 8.64% 61.90% 0.00 0.00% 6.79 46.80% 0.488 Third

1502 PA Carbon Allentown-Bethlehem-Easton, PA-NJ MSA 13.63% 54.50% 8.10% 56.10% 0.00 0.00% 6.25 45.10% 0.488 Third

1503 FL Walton Non-metro 14.30% 60.20% 7.82% 53.20% 0.00 0.00% 2.88 33.80% 0.487 Third

1504 GA Floyd Rome, GA MSA 12.61% 46.60% 8.73% 63.40% 0.00 0.00% 6.77 46.70% 0.487 Third

1505 FL Martin Port St. Lucie, FL MSA 12.18% 43.10% 7.20% 46.40% 0.58 75.70% 8.40 52.90% 0.487 Third

1506 NE Washington Omaha-Council Bluffs, NE-IA MSA 13.65% 54.70% 7.82% 53.20% 0.00 0.00% 9.01 54.90% 0.487 Third

1507 IA Hamilton Non-metro 13.53% 53.70% 8.15% 56.80% 0.00 0.00% 6.12 44.40% 0.486 Third

1508 IL Clark Non-metro 13.20% 51.00% 9.43% 70.40% 0.00 0.00% 0.00 0.00% 0.486 Third

1509 MD Charles Washington-Arlington-Alexandria, DC-VA-MD-WV MD 13.50% 53.40% 8.34% 58.80% 0.00 0.00% 3.86 36.70% 0.486 Third

1510 ND Stutsman Non-metro 13.74% 55.60% 7.50% 49.40% 0.00 0.00% 12.09 65.20% 0.485 Third

1511 AL St. Clair Birmingham-Hoover, AL MSA 14.29% 60.00% 7.83% 53.40% 0.00 0.00% 1.51 31.50% 0.485 Third

1512 GA Troup Non-metro 11.09% 34.10% 7.72% 52.00% 1.72 79.00% 11.11 61.60% 0.485 Third

1513 SC Anderson Anderson, SC MSA 13.38% 52.40% 8.30% 58.40% 0.00 0.00% 5.37 41.70% 0.485 Third

1514 IA Webster Non-metro 12.93% 49.00% 7.49% 49.40% 0.00 0.00% 29.15 91.10% 0.485 Third

1515 GA Gwinnett Atlanta-Sandy Springs-Marietta, GA MSA 11.43% 36.20% 7.76% 52.50% 2.34 80.40% 7.53 49.30% 0.485 Third

1516 VA Prince Edward Non-metro 14.68% 63.40% 7.24% 46.90% 0.00 0.00% 5.78 43.30% 0.485 Third

1517 SC Orangeburg Non-metro 13.13% 50.50% 8.37% 58.90% 0.00 0.00% 6.74 46.60% 0.484 Third

1518 MO Atchison Non-metro 13.55% 54.20% 6.89% 42.90% 0.00 0.00% 40.65 95.70% 0.484 Third

1519 MI Ingham Lansing-East Lansing, MI MSA 12.05% 41.60% 7.08% 45.00% 0.47 75.20% 11.31 62.40% 0.484 Third

51 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 52: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1520 IN Marion Indianapolis-Carmel, IN MSA 13.65% 54.60% 7.10% 45.20% 0.00 0.00% 22.18 84.60% 0.484 Third

1521 MS Calhoun Non-metro 13.16% 50.60% 8.26% 57.90% 0.00 0.00% 7.60 49.70% 0.484 Third

1522 MI Arenac Non-metro 12.62% 46.90% 8.11% 56.40% 0.00 0.00% 13.95 70.50% 0.484 Third

1523 MO Holt Non-metro 13.09% 50.00% 7.71% 51.90% 0.00 0.00% 16.37 75.70% 0.483 Third

1524 OH Ashtabula Non-metro 12.57% 46.40% 7.76% 52.50% 0.00 0.00% 24.74 87.50% 0.483 Third

1525 ND Sheridan Non-metro 11.76% 39.00% 10.71% 81.50% 0.00 0.00% 0.00 0.00% 0.482 Third

1526 IA Wapello Non-metro 12.86% 48.40% 9.60% 72.10% 0.00 0.00% 0.00 0.00% 0.482 Third

1527 AR Jefferson Pine Bluff, AR MSA 12.57% 46.30% 8.65% 62.00% 0.00 0.00% 7.14 48.20% 0.481 Third

1528 TX Burleson College Station-Bryan, TX MSA 14.93% 65.50% 6.49% 38.30% 0.00 0.00% 12.34 65.90% 0.481 Third

1529 MO Lincoln St. Louis, MO-IL MSA 12.47% 45.20% 8.18% 57.10% 0.00 0.00% 14.48 71.60% 0.481 Third

1530 VA Dinwiddie Richmond, VA MSA 13.47% 53.00% 6.97% 43.80% 14.72 93.30% 0.00 0.00% 0.481 Third

1531 IN Rush Non-metro 13.54% 54.00% 9.01% 66.10% 0.00 0.00% 0.00 0.00% 0.480 Third

1532 GA Dawson Atlanta-Sandy Springs-Marietta, GA MSA 12.00% 41.10% 8.61% 61.70% 0.00 0.00% 13.40 69.00% 0.480 Third

1533 NM Chaves Non-metro 11.99% 41.00% 8.67% 62.40% 0.00 0.00% 12.65 66.60% 0.480 Third

1534 ND Bowman Non-metro 13.21% 51.00% 7.03% 44.40% 0.00 0.00% 55.05 98.00% 0.480 Third

1535 NC Stanly Non-metro 13.55% 54.10% 5.90% 31.20% 2.20 80.10% 10.11 58.20% 0.480 Third

1536 PA Armstrong Pittsburgh, PA MSA 11.66% 38.00% 7.58% 50.70% 7.13 88.60% 3.62 36.10% 0.480 Third

1537 IL Franklin Non-metro 14.37% 60.80% 6.50% 38.50% 0.00 0.00% 20.39 82.20% 0.479 Third

1538 MO Cass Kansas City, MO-KS MSA 13.91% 57.20% 7.55% 50.30% 0.00 0.00% 7.47 49.20% 0.479 Third

1539 NE Saunders Omaha-Council Bluffs, NE-IA MSA 13.41% 52.60% 7.53% 50.00% 0.00 0.00% 13.37 68.80% 0.479 Third

1540 VA Radford Blacksburg-Christiansburg-Radford, VA MSA 12.60% 46.60% 7.80% 52.80% 0.00 0.00% 20.00 81.50% 0.479 Third

1541 MI Oceana Non-metro 11.35% 35.90% 6.43% 37.60% 4.84 85.70% 70.36 99.00% 0.479 Third

1542 NE Cass Omaha-Council Bluffs, NE-IA MSA 13.16% 50.50% 6.22% 34.80% 4.65 85.30% 8.23 51.90% 0.478 Third

1543 SD Kingsbury Non-metro 12.27% 43.70% 7.65% 51.40% 48.62 97.70% 0.00 0.00% 0.478 Third

1544 IL Williamson Non-metro 14.16% 59.20% 7.37% 48.50% 0.00 0.00% 6.83 46.90% 0.478 Third

1545 IN LaGrange Non-metro 13.65% 54.60% 7.11% 45.20% 0.00 0.00% 17.63 78.10% 0.477 Third

1546 TX Van Zandt Non-metro 13.76% 55.80% 7.52% 49.90% 0.00 0.00% 8.81 54.40% 0.477 Third

1547 OK Delaware Non-metro 10.58% 29.90% 6.96% 43.70% 34.18 96.60% 23.63 86.10% 0.477 Third

1548 IL Shelby Non-metro 14.18% 59.40% 8.43% 59.60% 0.00 0.00% 0.00 0.00% 0.476 Third

1549 IL Effingham Non-metro 16.05% 74.50% 7.04% 44.40% 0.00 0.00% 0.00 0.00% 0.476 Third

1550 KY Fleming Non-metro 12.26% 43.60% 6.67% 40.50% 13.40 92.90% 6.63 46.30% 0.476 Third

52 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 53: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1551 IN Jasper Gary, IN MD 12.94% 49.10% 7.44% 49.00% 0.00 0.00% 20.75 82.80% 0.475 Third

1552 MN Mower Non-metro 12.80% 48.00% 8.13% 56.60% 0.00 0.00% 9.57 56.60% 0.475 Third

1553 MO Marion Non-metro 11.51% 36.80% 8.80% 64.00% 0.00 0.00% 14.47 71.50% 0.475 Third

1554 NC Hyde Non-metro 15.77% 72.20% 7.20% 46.40% 0.00 0.00% 0.00 0.00% 0.474 Third

1555 MN Itasca Non-metro 10.83% 31.80% 6.77% 41.40% 26.29 95.50% 23.64 86.10% 0.474 Third

1556 SC Newberry Non-metro 15.44% 69.70% 6.58% 39.70% 0.00 0.00% 3.86 36.80% 0.474 Third

1557 MO Shelby Non-metro 13.47% 53.10% 8.93% 65.40% 0.00 0.00% 0.00 0.00% 0.474 Third

1558 PA Perry Harrisburg-Carlisle, PA MSA 13.16% 50.70% 8.11% 56.40% 0.00 0.00% 6.36 45.40% 0.474 Third

1559 IL Macoupin St. Louis, MO-IL MSA 13.38% 52.40% 9.00% 66.00% 0.00 0.00% 0.00 0.00% 0.474 Third

1560 OK Cimarron Non-metro 12.31% 44.10% 9.88% 74.30% 0.00 0.00% 0.00 0.00% 0.474 Third

1561 IN Spencer Non-metro 14.76% 64.00% 6.90% 42.90% 0.00 0.00% 6.42 45.70% 0.473 Third

1562 GA Brantley Brunswick, GA MSA 13.77% 55.90% 6.73% 41.10% 0.00 0.00% 22.57 85.20% 0.473 Third

1563 OR Benton Corvallis, OR MSA 13.33% 51.90% 7.81% 53.00% 0.00 0.00% 8.44 53.20% 0.473 Third

1564 IA Dubuque Dubuque, IA MSA 13.88% 56.90% 7.30% 47.80% 0.00 0.00% 8.73 54.00% 0.473 Third

1565 ME Sagadahoc Portland-South Portland-Biddeford, ME MSA 11.84% 39.70% 6.90% 42.90% 5.36 86.50% 9.27 55.70% 0.473 Third

1566 OR Harney Non-metro 13.74% 55.70% 8.67% 62.40% 0.00 0.00% 0.00 0.00% 0.472 Third

1567 GA Dooly Non-metro 11.65% 37.90% 6.57% 39.50% 51.48 97.80% 11.76 64.10% 0.472 Third

1568 IN Fulton Non-metro 13.16% 50.60% 7.73% 52.10% 0.00 0.00% 10.66 60.20% 0.471 Third

1569 IA Cedar Non-metro 11.84% 39.70% 8.47% 60.00% 0.00 0.00% 14.73 72.10% 0.471 Third

1570 CA Inyo Non-metro 15.35% 69.00% 7.40% 48.70% 0.00 0.00% 0.00 0.00% 0.471 Third

1571 IN Tipton Kokomo, IN MSA 13.32% 51.80% 6.91% 43.10% 0.00 0.00% 29.11 91.00% 0.471 Third

1572 MI Newaygo Grand Rapids-Wyoming, MI MSA 12.19% 43.10% 7.72% 52.00% 0.00 0.00% 27.71 89.80% 0.470 Third

1573 AR Clark Non-metro 11.90% 40.40% 8.15% 56.80% 0.00 0.00% 19.84 81.30% 0.470 Third

1574 AR Van Buren Non-metro 13.29% 51.70% 8.95% 65.70% 0.00 0.00% 0.00 0.00% 0.470 Third

1575 GA Muscogee Columbus, GA-AL MSA 12.94% 49.00% 8.06% 55.60% 0.00 0.00% 8.06 51.00% 0.469 Third

1576 OK Washita Non-metro 12.30% 44.00% 8.37% 58.90% 0.00 0.00% 9.84 57.30% 0.469 Third

1577 GA Monroe Macon, GA MSA 12.14% 42.60% 8.40% 59.30% 0.00 0.00% 10.97 61.10% 0.469 Third

1578 MO Texas Non-metro 11.57% 37.20% 9.02% 66.10% 0.00 0.00% 9.11 55.20% 0.468 Third

1579 TX Dawson Non-metro 14.06% 58.30% 8.35% 58.80% 0.00 0.00% 0.00 0.00% 0.468 Third

1580 VT Windsor Non-metro 12.03% 41.40% 6.38% 36.90% 2.69 81.50% 15.26 73.40% 0.468 Third

1581 AZ Pinal Phoenix-Mesa-Glendale, AZ MSA 13.27% 51.60% 7.51% 49.70% 0.00 0.00% 11.38 62.70% 0.468 Third

53 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 54: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1582 DE Kent Dover, DE MSA 12.83% 48.20% 7.52% 49.90% 0.00 0.00% 16.26 75.50% 0.468 Third

1583 AK Yukon-Koyukuk Non-metro 10.79% 31.30% 8.65% 62.00% 0.00 0.00% 36.56 94.50% 0.468 Third

1584 MO Schuyler Non-metro 14.83% 64.80% 7.73% 52.10% 0.00 0.00% 0.00 0.00% 0.468 Third

1585 MI Saginaw Saginaw-Saginaw Township North, MI MSA 13.78% 56.00% 7.12% 45.30% 0.00 0.00% 11.24 62.20% 0.467 Third

1586 GA Rockdale Atlanta-Sandy Springs-Marietta, GA MSA 11.61% 37.60% 7.06% 44.70% 7.13 88.60% 7.56 49.50% 0.467 Third

1587 OR Josephine Non-metro 13.50% 53.40% 8.04% 55.30% 0.00 0.00% 2.23 32.30% 0.467 Third

1588 NC Warren Non-metro 14.50% 61.90% 7.99% 54.80% 0.00 0.00% 0.00 0.00% 0.467 Third

1589 AL Escambia Non-metro 12.21% 43.30% 7.98% 54.70% 0.00 0.00% 15.58 74.10% 0.466 Third

1590 TX Caldwell Austin-Round Rock-San Marcos, TX MSA 11.25% 35.30% 6.63% 40.10% 18.46 94.20% 13.85 70.20% 0.466 Third

1591 OH Mercer Non-metro 14.74% 63.80% 6.99% 44.10% 0.00 0.00% 2.96 34.00% 0.466 Third

1592 TX Andrews Non-metro 13.83% 56.60% 5.30% 25.10% 7.74 89.20% 7.60 49.60% 0.466 Third

1593 NC Bladen Non-metro 13.21% 51.10% 8.92% 65.20% 0.00 0.00% 0.00 0.00% 0.465 Third

1594 OR Klamath Non-metro 13.20% 50.90% 7.64% 51.30% 0.00 0.00% 9.46 56.40% 0.465 Third

1595 KY Marion Non-metro 12.49% 45.50% 7.38% 48.50% 7.30 88.70% 0.00 0.00% 0.465 Third

1596 MI St. Clair Warren-Troy-Farmington Hills, MI MD 14.30% 60.20% 6.54% 39.10% 0.00 0.00% 12.89 67.10% 0.464 Third

1597 SC Cherokee Non-metro 14.49% 61.80% 6.66% 40.40% 0.00 0.00% 8.80 54.30% 0.463 Third

1598 GA Paulding Atlanta-Sandy Springs-Marietta, GA MSA 11.15% 34.60% 7.48% 49.20% 0.89 76.30% 8.15 51.50% 0.463 Third

1599 MD Garrett Non-metro 15.85% 72.80% 6.89% 42.90% 0.00 0.00% 0.00 0.00% 0.463 Third

1600 KY Floyd Non-metro 11.84% 39.80% 7.71% 51.90% 27.06 95.80% 0.00 0.00% 0.463 Third

1601 OK Cotton Non-metro 11.99% 41.00% 7.57% 50.60% 27.03 95.80% 0.00 0.00% 0.462 Third

1602 OR Baker Non-metro 11.63% 37.80% 7.15% 45.80% 6.59 87.90% 4.81 39.80% 0.462 Third

1603 VA Bland Non-metro 13.24% 51.30% 8.83% 64.20% 0.00 0.00% 0.00 0.00% 0.462 Third

1604 GA Burke Augusta-Richmond County, GA-SC MSA 13.61% 54.40% 8.57% 61.10% 0.00 0.00% 0.00 0.00% 0.462 Third

1605 TX Jack Non-metro 15.99% 73.90% 6.78% 41.60% 0.00 0.00% 0.00 0.00% 0.462 Third

1606 VA Montgomery Blacksburg-Christiansburg-Radford, VA MSA 13.71% 55.40% 7.50% 49.40% 0.00 0.00% 5.51 42.30% 0.462 Third

1607 TX Martin Non-metro 15.71% 71.80% 6.94% 43.50% 0.00 0.00% 0.00 0.00% 0.461 Third

1608 MT Golden Valley Non-metro 17.53% 83.20% 5.97% 32.10% 0.00 0.00% 0.00 0.00% 0.461 Third

1609 TN Rutherford Nashville-Davidson--Murfreesboro--Franklin, TN MSA 11.85% 39.90% 7.13% 45.50% 0.50 75.40% 6.00 44.10% 0.461 Third

1610 OH Noble Non-metro 14.04% 58.10% 6.81% 42.00% 0.00 0.00% 10.72 60.30% 0.461 Third

1611 WI Washburn Non-metro 13.89% 57.00% 7.21% 46.50% 0.00 0.00% 6.71 46.50% 0.461 Third

1612 WY Albany Non-metro 12.40% 44.70% 8.24% 57.70% 0.00 0.00% 8.03 50.90% 0.461 Third

54 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 55: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1613 OH Washington Parkersburg-Marietta-Vienna, WV-OH MSA 13.53% 53.70% 7.74% 52.20% 0.00 0.00% 3.80 36.50% 0.460 Third

1614 WI Taylor Non-metro 12.79% 48.00% 6.92% 43.20% 0.00 0.00% 38.42 95.10% 0.460 Third

1615 VA Southampton Non-metro 13.67% 54.90% 7.24% 46.90% 0.00 0.00% 8.33 52.60% 0.460 Third

1616 NE Phelps Non-metro 13.69% 55.10% 7.26% 47.30% 0.00 0.00% 7.65 49.90% 0.460 Third

1617 AZ Greenlee Non-metro 11.60% 37.60% 10.22% 77.20% 0.00 0.00% 0.00 0.00% 0.459 Third

1618 KS Greeley Non-metro 12.80% 48.00% 6.85% 42.50% 0.00 0.00% 47.39 97.10% 0.459 Third

1619 MS Leflore Non-metro 12.00% 41.10% 8.65% 62.00% 0.00 0.00% 6.78 46.70% 0.459 Third

1620 VA Lynchburg Lynchburg, VA MSA 13.01% 49.30% 8.23% 57.60% 0.00 0.00% 1.44 31.40% 0.459 Third

1621 IN Union Non-metro 13.45% 52.80% 8.63% 61.90% 0.00 0.00% 0.00 0.00% 0.459 Third

1622 KS Finney Non-metro 14.29% 60.00% 6.88% 42.70% 0.00 0.00% 7.06 47.80% 0.459 Third

1623 TX Calhoun Victoria, TX MSA 13.16% 50.70% 6.80% 41.80% 6.28 87.70% 0.00 0.00% 0.458 Third

1624 TN Jackson Non-metro 11.57% 37.30% 10.20% 77.10% 0.00 0.00% 0.00 0.00% 0.458 Third

1625 MT Roosevelt Non-metro 12.08% 42.00% 7.44% 49.00% 15.20 93.50% 0.00 0.00% 0.458 Third

1626 IA Montgomery Non-metro 12.16% 42.90% 9.53% 71.40% 0.00 0.00% 0.00 0.00% 0.457 Third

1627 MO Cooper Non-metro 11.86% 40.00% 8.22% 57.50% 0.00 0.00% 12.82 67.00% 0.457 Third

1628 VA King George Non-metro 12.48% 45.30% 8.32% 58.40% 0.00 0.00% 5.40 41.90% 0.457 Third

1629 MD Baltimore Baltimore-Towson, MD MSA 11.24% 35.20% 7.16% 45.80% 0.23 74.60% 9.96 57.80% 0.456 Third

1630 MO Howell Non-metro 12.50% 45.70% 8.28% 58.10% 0.00 0.00% 5.15 41.10% 0.456 Third

1631 FL Okeechobee Non-metro 11.59% 37.40% 6.52% 38.80% 3.93 83.90% 12.88 67.10% 0.456 Third

1632 VA Waynesboro Non-metro 12.69% 47.40% 8.11% 56.40% 0.00 0.00% 4.94 40.50% 0.456 Third

1633 VA Mathews Virginia Beach-Norfolk-Newport News, VA-NC MSA 14.25% 59.70% 7.93% 54.20% 0.00 0.00% 0.00 0.00% 0.456 Third

1634 OH Allen Lima, OH MSA 13.82% 56.50% 6.28% 35.70% 0.00 0.00% 23.87 86.30% 0.455 Third

1635 AZ Mohave Lake Havasu City-Kingman, AZ MSA 13.17% 50.70% 6.92% 43.20% 0.00 0.00% 18.04 79.00% 0.455 Third

1636 MI Barry Grand Rapids-Wyoming, MI MSA 12.36% 44.40% 7.33% 48.00% 0.00 0.00% 22.07 84.40% 0.454 Third

1637 NE Merrick Non-metro 12.56% 46.30% 9.13% 67.00% 0.00 0.00% 0.00 0.00% 0.453 Third

1638 MN Polk Grand Forks, ND-MN MSA 13.65% 54.70% 6.64% 40.20% 0.00 0.00% 15.34 73.50% 0.453 Third

1639 WA Grays Harbor Non-metro 11.21% 35.10% 6.91% 43.10% 2.37 80.50% 10.34 59.10% 0.452 Third

1640 TX Brown Non-metro 11.02% 33.50% 8.64% 61.90% 0.00 0.00% 14.03 70.70% 0.452 Third

1641 VA Lee Non-metro 10.88% 32.30% 6.84% 42.40% 23.04 95.10% 9.98 57.90% 0.452 Third

1642 MN Lake of the Woods Non-metro 13.66% 54.80% 6.47% 38.00% 0.00 0.00% 18.98 80.40% 0.452 Third

1643 IL Ogle Non-metro 13.79% 56.20% 7.01% 44.20% 0.00 0.00% 7.69 50.00% 0.452 Third

55 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 56: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1644 FL Manatee North Port-Bradenton-Sarasota, FL MSA 11.80% 39.30% 6.76% 41.30% 1.02 76.80% 8.29 52.20% 0.451 Third

1645 NC Caldwell Hickory-Lenoir-Morganton, NC MSA 13.50% 53.40% 7.56% 50.50% 0.00 0.00% 3.48 35.70% 0.451 Third

1646 IA Mahaska Non-metro 12.89% 48.60% 7.54% 50.10% 0.00 0.00% 9.51 56.40% 0.451 Third

1647 KY Garrard Non-metro 13.67% 54.90% 8.26% 57.90% 0.00 0.00% 0.00 0.00% 0.451 Third

1648 WY Campbell Non-metro 12.08% 42.00% 7.47% 49.20% 0.00 0.00% 23.68 86.20% 0.451 Third

1649 MD Kent Non-metro 14.07% 58.40% 7.94% 54.30% 0.00 0.00% 0.00 0.00% 0.451 Third

1650 IL Carroll Non-metro 13.03% 49.50% 7.19% 46.20% 0.00 0.00% 13.10 67.80% 0.451 Third

1651 TN Gibson Non-metro 12.78% 47.90% 7.77% 52.60% 0.00 0.00% 7.30 48.60% 0.451 Third

1652 NM Los Alamos Non-metro 12.00% 41.20% 9.53% 71.40% 0.00 0.00% 0.00 0.00% 0.450 Third

1653 IN Clay Terre Haute, IN MSA 12.14% 42.70% 7.13% 45.50% 0.00 0.00% 48.57 97.20% 0.450 Third

1654 TX Anderson Non-metro 13.96% 57.50% 7.23% 46.70% 0.00 0.00% 2.67 33.10% 0.450 Third

1655 GA Coweta Atlanta-Sandy Springs-Marietta, GA MSA 11.88% 40.30% 8.07% 55.70% 0.00 0.00% 12.23 65.60% 0.450 Third

1656 TX Somervell Non-metro 14.04% 58.10% 7.94% 54.30% 0.00 0.00% 0.00 0.00% 0.450 Third

1657 LA Ouachita Monroe, LA MSA 10.95% 32.90% 7.30% 47.80% 1.39 78.00% 7.34 48.70% 0.450 Third

1658 MD Caroline Non-metro 12.66% 47.10% 7.57% 50.60% 0.00 0.00% 10.10 58.20% 0.449 Third

1659 TN Cheatham Nashville-Davidson--Murfreesboro--Franklin, TN MSA 13.26% 51.50% 6.59% 39.80% 0.00 0.00% 21.49 83.80% 0.449 Third

1660 IA Woodbury Sioux City, IA-NE-SD MSA 12.22% 43.40% 7.48% 49.20% 0.00 0.00% 17.53 77.90% 0.448 Third

1661 GA Banks Non-metro 12.51% 45.70% 8.01% 54.90% 0.00 0.00% 6.45 45.80% 0.448 Third

1662 IL Vermilion Danville, IL MSA 12.30% 43.90% 7.25% 47.10% 0.00 0.00% 21.48 83.80% 0.448 Third

1663 CT Windham Non-metro 14.82% 64.50% 6.26% 35.30% 0.00 0.00% 7.22 48.40% 0.448 Third

1664 MO Polk Springfield, MO MSA 12.00% 41.10% 7.51% 49.70% 0.00 0.00% 21.81 84.20% 0.447 Third

1665 TX Kent Non-metro 14.41% 61.10% 7.58% 50.70% 0.00 0.00% 0.00 0.00% 0.447 Third

1666 GA Stephens Non-metro 12.70% 47.50% 7.06% 44.70% 0.00 0.00% 17.64 78.20% 0.447 Third

1667 NE Scotts Bluff Non-metro 13.36% 52.00% 6.73% 41.10% 0.00 0.00% 15.72 74.50% 0.447 Third

1668 MN Morrison Non-metro 12.10% 42.30% 7.26% 47.30% 0.00 0.00% 25.50 88.20% 0.447 Third

1669 VA Colonial Heights Richmond, VA MSA 11.38% 36.00% 7.74% 52.20% 16.54 93.80% 0.00 0.00% 0.447 Third

1670 MI Van Buren Kalamazoo-Portage, MI MSA 12.65% 47.10% 7.06% 44.70% 0.00 0.00% 18.00 78.90% 0.446 Third

1671 NC Perquimans Non-metro 14.11% 58.80% 7.78% 52.70% 0.00 0.00% 0.00 0.00% 0.446 Third

1672 CO Saguache Non-metro 14.33% 60.50% 7.60% 50.90% 0.00 0.00% 0.00 0.00% 0.446 Third

1673 OH Highland Non-metro 12.10% 42.30% 8.52% 60.60% 0.00 0.00% 2.94 34.00% 0.446 Third

1674 ND Golden Valley Non-metro 13.44% 52.70% 8.33% 58.60% 0.00 0.00% 0.00 0.00% 0.445 Third

56 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 57: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1675 NM Lincoln Non-metro 13.24% 51.20% 6.49% 38.30% 0.00 0.00% 24.51 87.20% 0.445 Third

1676 VA Portsmouth Virginia Beach-Norfolk-Newport News, VA-NC MSA 13.03% 49.60% 7.74% 52.20% 0.00 0.00% 4.18 37.90% 0.445 Third

1677 NM Colfax Non-metro 12.09% 42.20% 7.62% 51.10% 0.00 0.00% 14.48 71.60% 0.445 Third

1678 MI Delta Non-metro 11.10% 34.20% 6.77% 41.40% 37.58 96.90% 6.34 45.30% 0.445 Third

1679 MI Mackinac Non-metro 11.02% 33.50% 6.22% 34.80% 24.47 95.40% 16.45 75.80% 0.444 Third

1680 TX Yoakum Non-metro 14.44% 61.40% 7.51% 49.70% 0.00 0.00% 0.00 0.00% 0.444 Third

1681 TX Hood Non-metro 13.03% 49.60% 6.69% 40.70% 0.00 0.00% 20.75 82.80% 0.444 Third

1682 ND Cavalier Non-metro 12.60% 46.60% 6.75% 41.20% 0.00 0.00% 31.50 92.20% 0.443 Third

1683 IN Henry Non-metro 12.81% 48.10% 7.21% 46.50% 0.00 0.00% 11.89 64.60% 0.443 Third

1684 MN Norman Non-metro 11.38% 36.00% 7.54% 50.10% 0.00 0.00% 55.80 98.10% 0.443 Third

1685 MI Keweenaw Non-metro 10.81% 31.60% 7.94% 54.30% 48.78 97.70% 0.00 0.00% 0.441 Third

1686 OH Sandusky Non-metro 11.86% 40.00% 7.24% 46.90% 0.00 0.00% 33.13 93.00% 0.441 Third

1687 MI Antrim Non-metro 11.28% 35.50% 5.73% 30.00% 12.28 92.40% 22.80 85.50% 0.440 Third

1688 ND Burke Non-metro 14.75% 64.00% 7.17% 45.90% 0.00 0.00% 0.00 0.00% 0.440 Third

1689 WI Clark Non-metro 13.53% 53.80% 6.00% 32.40% 0.00 0.00% 36.47 94.50% 0.439 Third

1690 CA Modoc Non-metro 13.27% 51.60% 8.27% 58.10% 0.00 0.00% 0.00 0.00% 0.439 Third

1691 GA Towns Non-metro 11.86% 40.10% 9.36% 69.60% 0.00 0.00% 0.00 0.00% 0.439 Third

1692 KY Johnson Non-metro 11.20% 35.00% 6.57% 39.50% 103.43 98.70% 5.39 41.80% 0.439 Third

1693 NE Thomas Non-metro 14.29% 60.00% 5.26% 24.90% 0.00 0.00% 68.03 98.90% 0.439 Third

1694 LA Ascension Baton Rouge, LA MSA 11.45% 36.30% 6.46% 37.90% 5.95 87.20% 8.73 54.10% 0.438 Third

1695 GA Richmond Augusta-Richmond County, GA-SC MSA 12.41% 44.80% 7.68% 51.60% 0.00 0.00% 8.30 52.30% 0.438 Third

1696 IN Wells Fort Wayne, IN MSA 13.72% 55.50% 6.63% 40.10% 0.00 0.00% 9.18 55.30% 0.438 Third

1697 KY Whitley Non-metro 12.41% 44.70% 5.50% 27.60% 39.70 97.10% 8.11 51.20% 0.438 Third

1698 VA Patrick Non-metro 12.55% 46.00% 7.18% 46.10% 0.00 0.00% 13.42 69.10% 0.438 Third

1699 OK Kay Non-metro 13.46% 52.90% 7.35% 48.30% 0.00 0.00% 2.37 32.60% 0.437 Third

1700 ND Rolette Non-metro 15.90% 73.30% 6.30% 36.00% 0.00 0.00% 0.00 0.00% 0.437 Third

1701 CA Del Norte Non-metro 13.71% 55.40% 7.86% 53.80% 0.00 0.00% 0.00 0.00% 0.437 Third

1702 TX McLennan Waco, TX MSA 12.15% 42.70% 6.17% 34.20% 1.87 79.50% 7.58 49.60% 0.437 Third

1703 IA Warren Des Moines-West Des Moines, IA MSA 12.57% 46.40% 7.19% 46.20% 0.00 0.00% 12.49 66.20% 0.437 Third

1704 NC Mitchell Non-metro 12.48% 45.40% 8.76% 63.70% 0.00 0.00% 0.00 0.00% 0.436 Third

1705 TX Panola Non-metro 14.17% 59.20% 3.88% 12.60% 22.16 95.00% 8.67 53.80% 0.436 Third

57 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 58: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1706 GA Henry Atlanta-Sandy Springs-Marietta, GA MSA 10.65% 30.30% 6.90% 42.90% 4.91 85.90% 9.82 57.20% 0.436 Third

1707 WI Wood Non-metro 11.28% 35.60% 5.92% 31.60% 10.28 91.00% 16.45 75.90% 0.436 Third

1708 GA Quitman Non-metro 13.78% 56.10% 7.80% 52.80% 0.00 0.00% 0.00 0.00% 0.436 Third

1709 NE Adams Non-metro 13.59% 54.30% 7.15% 45.80% 0.00 0.00% 3.13 34.60% 0.435 Third

1710 VA Page Non-metro 11.25% 35.40% 5.89% 31.00% 6.25 87.60% 20.17 81.80% 0.435 Third

1711 PA Fulton Non-metro 12.85% 48.40% 8.49% 60.30% 0.00 0.00% 0.00 0.00% 0.435 Third

1712 VA Orange Non-metro 14.33% 60.60% 7.33% 48.00% 0.00 0.00% 0.00 0.00% 0.434 Third

1713 VA Roanoke Roanoke, VA MSA 12.48% 45.40% 7.94% 54.30% 0.00 0.00% 3.29 35.00% 0.434 Third

1714 FL Hillsborough Tampa-St. Petersburg-Clearwater, FL MSA 11.64% 37.80% 6.72% 41.00% 0.52 75.50% 5.62 42.70% 0.433 Third

1715 IN Sullivan Terre Haute, IN MSA 13.25% 51.30% 8.17% 57.00% 0.00 0.00% 0.00 0.00% 0.433 Third

1716 WY Uinta Non-metro 12.32% 44.20% 7.56% 50.50% 0.00 0.00% 8.77 54.20% 0.433 Third

1717 TX Tom Green San Angelo, TX MSA 11.19% 34.90% 6.33% 36.40% 3.37 82.80% 11.76 64.10% 0.432 Third

1718 MN Rice Non-metro 11.74% 38.80% 7.21% 46.50% 0.00 0.00% 28.99 90.80% 0.432 Third

1719 IL Union Non-metro 13.52% 53.60% 7.93% 54.20% 0.00 0.00% 0.00 0.00% 0.431 Third

1720 AL Fayette Non-metro 11.63% 37.80% 9.40% 69.90% 0.00 0.00% 0.00 0.00% 0.431 Third

1721 KY Shelby Louisville/Jefferson County, KY-IN MSA 11.85% 39.90% 6.25% 35.20% 2.95 82.10% 7.11 48.00% 0.431 Third

1722 ID Adams Non-metro 14.57% 62.60% 7.08% 45.00% 0.00 0.00% 0.00 0.00% 0.430 Third

1723 TN Wilson Nashville-Davidson--Murfreesboro--Franklin, TN MSA 12.96% 49.20% 7.14% 45.60% 0.00 0.00% 8.08 51.00% 0.430 Third

1724 VA Suffolk Virginia Beach-Norfolk-Newport News, VA-NC MSA 12.54% 45.90% 7.32% 47.90% 0.00 0.00% 8.86 54.60% 0.430 Third

1725 IA Decatur Non-metro 10.56% 29.70% 8.15% 56.80% 0.00 0.00% 21.12 83.40% 0.429 Third

1726 NM Taos Non-metro 12.05% 41.70% 5.93% 31.70% 5.01 86.10% 7.52 49.20% 0.429 Third

1727 GA Taylor Non-metro 13.08% 50.00% 6.08% 33.40% 0.00 0.00% 36.83 94.70% 0.428 Third

1728 NC Person Durham-Chapel Hill, NC MSA 13.52% 53.60% 6.76% 41.30% 0.00 0.00% 7.14 48.10% 0.428 Third

1729 SC Florence Florence, SC MSA 13.33% 51.90% 7.12% 45.30% 0.00 0.00% 4.45 38.70% 0.428 Third

1730 IN Huntington Non-metro 12.27% 43.70% 7.28% 47.50% 0.00 0.00% 11.36 62.60% 0.427 Third

1731 SD Moody Non-metro 13.34% 51.90% 8.01% 54.90% 0.00 0.00% 0.00 0.00% 0.427 Third

1732 GA Houston Warner Robins, GA MSA 11.93% 40.60% 8.20% 57.30% 0.00 0.00% 3.34 35.30% 0.427 Third

1733 MI Luce Non-metro 9.38% 20.40% 6.55% 39.20% 22.08 94.90% 34.72 93.50% 0.427 Third

1734 MI Calhoun Battle Creek, MI MSA 11.47% 36.60% 6.16% 34.10% 2.44 80.70% 11.58 63.30% 0.427 Third

1735 OK Osage Tulsa, OK MSA 11.69% 38.50% 7.28% 47.50% 3.01 82.20% 0.00 0.00% 0.426 Third

1736 SD Union Sioux City, IA-NE-SD MSA 12.21% 43.40% 6.55% 39.20% 0.00 0.00% 38.31 95.10% 0.426 Third

58 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 59: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1737 WA Mason Non-metro 13.18% 50.80% 7.03% 44.40% 0.00 0.00% 6.14 44.60% 0.425 Third

1738 IL Marshall Peoria, IL MSA 12.32% 44.10% 6.78% 41.60% 0.00 0.00% 20.53 82.50% 0.425 Third

1739 SC Oconee Non-metro 12.66% 47.20% 7.16% 45.80% 0.00 0.00% 8.41 52.90% 0.425 Third

1740 IN Wabash Non-metro 13.03% 49.60% 6.70% 40.80% 0.00 0.00% 11.57 63.20% 0.425 Third

1741 MI Cass South Bend-Mishawaka, IN-MI MSA 11.60% 37.50% 6.98% 44.00% 0.00 0.00% 59.14 98.30% 0.424 Third

1742 NE Sioux Non-metro 10.47% 28.80% 7.80% 52.80% 0.00 0.00% 52.36 97.80% 0.424 Third

1743 MO Hickory Non-metro 12.67% 47.30% 6.12% 33.70% 0.00 0.00% 113.42 99.70% 0.424 Third

1744 AR Lincoln Pine Bluff, AR MSA 16.44% 76.80% 5.62% 29.10% 0.00 0.00% 0.00 0.00% 0.424 Third

1745 PA Philadelphia Philadelphia, PA MD 10.52% 29.30% 6.69% 40.70% 5.58 86.80% 9.62 56.70% 0.424 Third

1746 MS Attala Non-metro 10.51% 29.20% 9.11% 66.90% 0.00 0.00% 4.47 38.90% 0.423 Third

1747 VA Lunenburg Non-metro 12.62% 46.90% 8.36% 58.90% 0.00 0.00% 0.00 0.00% 0.423 Third

1748 SC Lancaster Non-metro 12.41% 44.80% 7.34% 48.20% 0.00 0.00% 8.00 50.90% 0.423 Third

1749 NE Grant Non-metro 13.45% 52.80% 7.79% 52.80% 0.00 0.00% 0.00 0.00% 0.422 Third

1750 NE Custer Non-metro 10.87% 32.20% 7.64% 51.30% 6.94 88.30% 0.00 0.00% 0.422 Third

1751 GA Haralson Atlanta-Sandy Springs-Marietta, GA MSA 11.84% 39.70% 7.80% 52.80% 0.00 0.00% 8.25 52.00% 0.422 Third

1752 AZ Yuma Yuma, AZ MSA 13.40% 52.50% 6.55% 39.20% 0.00 0.00% 8.98 54.80% 0.422 Third

1753 IL White Non-metro 13.81% 56.40% 7.44% 49.00% 0.00 0.00% 0.00 0.00% 0.422 Third

1754 KS Crawford Non-metro 12.34% 44.30% 6.62% 40.00% 0.00 0.00% 21.65 84.10% 0.421 Third

1755 IN Cass Non-metro 12.07% 41.90% 6.80% 41.80% 0.00 0.00% 23.97 86.40% 0.421 Third

1756 TX Wood Non-metro 10.66% 30.40% 6.33% 36.40% 2.55 81.10% 14.87 72.50% 0.421 Third

1757 WA Cowlitz Longview, WA MSA 13.36% 52.10% 6.40% 37.20% 0.00 0.00% 11.62 63.40% 0.421 Third

1758 GA Union Non-metro 11.86% 40.10% 8.90% 64.90% 0.00 0.00% 0.00 0.00% 0.420 Third

1759 NM Catron Non-metro 11.64% 37.90% 7.07% 44.90% 0.00 0.00% 26.46 88.70% 0.420 Third

1760 GA Ware Non-metro 12.61% 46.70% 7.52% 49.90% 0.00 0.00% 2.73 33.30% 0.420 Third

1761 IL Livingston Non-metro 13.13% 50.40% 7.16% 45.80% 0.00 0.00% 3.13 34.60% 0.419 Third

1762 NM Harding Non-metro 9.93% 24.00% 8.08% 55.90% 0.00 0.00% 141.84 99.80% 0.419 Third

1763 MT Treasure Non-metro 11.03% 33.60% 9.52% 71.20% 0.00 0.00% 0.00 0.00% 0.419 Third

1764 NC Camden Non-metro 13.73% 55.60% 7.45% 49.10% 0.00 0.00% 0.00 0.00% 0.419 Third

1765 VA Madison Non-metro 14.82% 64.60% 6.59% 39.80% 0.00 0.00% 0.00 0.00% 0.418 Third

1766 MO Butler Non-metro 12.47% 45.20% 7.42% 48.70% 0.00 0.00% 5.34 41.60% 0.417 Third

1767 MO Bates Kansas City, MO-KS MSA 13.70% 55.20% 6.27% 35.60% 0.00 0.00% 8.67 53.90% 0.417 Third

59 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 60: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1768 MI Mason Non-metro 12.64% 47.00% 7.06% 44.70% 0.00 0.00% 7.73 50.20% 0.417 Third

1769 MN Freeborn Non-metro 12.09% 42.10% 7.27% 47.40% 0.00 0.00% 10.16 58.50% 0.417 Third

1770 NY Tioga Binghamton, NY MSA 11.03% 33.50% 5.91% 31.40% 9.23 90.40% 12.59 66.40% 0.416 Third

1771 MO Webster Springfield, MO MSA 11.61% 37.70% 6.97% 43.80% 0.00 0.00% 27.93 90.00% 0.416 Third

1772 KS Leavenworth Kansas City, MO-KS MSA 11.28% 35.50% 6.00% 32.40% 2.36 80.40% 11.67 63.70% 0.416 Third

1773 NC Alleghany Non-metro 13.48% 53.20% 7.57% 50.60% 0.00 0.00% 0.00 0.00% 0.415 Third

1774 MO Putnam Non-metro 13.11% 50.30% 7.83% 53.40% 0.00 0.00% 0.00 0.00% 0.415 Third

1775 FL Okaloosa Crestview-Fort Walton Beach-Destin, FL MSA 10.94% 32.80% 6.38% 36.90% 1.20 77.40% 10.11 58.30% 0.415 Third

1776 VA Prince George Richmond, VA MSA 10.93% 32.70% 6.22% 34.80% 12.30 92.40% 8.28 52.10% 0.415 Third

1777 IL Jersey St. Louis, MO-IL MSA 11.76% 38.90% 7.53% 50.00% 0.00 0.00% 10.18 58.70% 0.414 Third

1778 NE Red Willow Non-metro 9.98% 24.20% 6.25% 35.20% 9.15 90.30% 22.87 85.60% 0.414 Third

1779 VA Petersburg Richmond, VA MSA 9.78% 22.60% 6.79% 41.70% 19.82 94.50% 11.11 61.60% 0.413 Third

1780 VA Charles City Richmond, VA MSA 14.90% 65.30% 6.47% 38.00% 0.00 0.00% 0.00 0.00% 0.413 Third

1781 IN Clark Louisville/Jefferson County, KY-IN MSA 12.61% 46.70% 6.79% 41.70% 0.00 0.00% 10.40 59.30% 0.413 Third

1782 GA Taliaferro Non-metro 12.73% 47.70% 5.79% 30.40% 0.00 0.00% 181.82 99.90% 0.412 Third

1783 OH Fayette Non-metro 10.77% 31.00% 5.48% 27.30% 40.18 97.20% 20.04 81.60% 0.412 Third

1784 WI Juneau Non-metro 12.51% 45.80% 6.01% 32.60% 0.00 0.00% 56.38 98.20% 0.412 Third

1785 AL Lamar Non-metro 11.54% 37.00% 7.80% 52.80% 0.00 0.00% 8.30 52.20% 0.411 Third

1786 AZ Navajo Non-metro 13.26% 51.40% 6.11% 33.60% 0.00 0.00% 14.26 71.20% 0.411 Third

1787 IL Bond St. Louis, MO-IL MSA 12.03% 41.50% 8.59% 61.30% 0.00 0.00% 0.00 0.00% 0.411 Third

1788 WA Wahkiakum Non-metro 14.15% 59.10% 6.96% 43.70% 0.00 0.00% 0.00 0.00% 0.411 Third

1789 WA Pacific Non-metro 13.36% 52.10% 6.70% 40.80% 0.00 0.00% 4.53 39.10% 0.411 Third

1790 VA Louisa Richmond, VA MSA 13.36% 52.10% 6.53% 38.90% 0.00 0.00% 6.76 46.60% 0.411 Third

1791 IA Des Moines Non-metro 11.97% 40.80% 7.11% 45.20% 0.00 0.00% 12.68 66.60% 0.411 Third

1792 OH Marion Non-metro 12.47% 45.20% 6.79% 41.70% 0.00 0.00% 11.21 62.10% 0.410 Third

1793 TX Real Non-metro 16.07% 74.70% 5.51% 27.70% 0.00 0.00% 0.00 0.00% 0.410 Third

1794 TX Castro Non-metro 13.02% 49.40% 7.81% 53.00% 0.00 0.00% 0.00 0.00% 0.410 Third

1795 VA Galax Non-metro 10.71% 30.70% 7.24% 46.90% 113.85 98.90% 0.00 0.00% 0.409 Third

1796 VA Mecklenburg Non-metro 13.50% 53.50% 6.61% 39.90% 0.00 0.00% 3.46 35.60% 0.409 Third

1797 NC Edgecombe Rocky Mount, NC MSA 10.55% 29.50% 6.23% 34.90% 6.02 87.30% 11.82 64.20% 0.409 Third

1798 MD Prince George's Washington-Arlington-Alexandria, DC-VA-MD-WV MD 10.58% 29.90% 6.55% 39.20% 1.86 79.30% 8.44 53.20% 0.409 Third

60 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 61: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1799 KY Spencer Louisville/Jefferson County, KY-IN MSA 12.06% 41.70% 5.41% 26.50% 7.44 88.90% 6.70 46.40% 0.408 Third

1800 VA Amherst Lynchburg, VA MSA 13.25% 51.40% 7.56% 50.50% 0.00 0.00% 0.00 0.00% 0.408 Third

1801 TN Bradley Cleveland, TN MSA 12.89% 48.70% 7.09% 45.00% 0.00 0.00% 2.36 32.60% 0.407 Third

1802 WI Langlade Non-metro 12.52% 45.80% 5.86% 30.90% 3010.62 100.00% 0.00 0.00% 0.407 Third

1803 NC Polk Non-metro 11.54% 37.10% 6.70% 40.80% 23.38 95.20% 0.00 0.00% 0.407 Third

1804 VA Hopewell Richmond, VA MSA 12.31% 44.00% 6.13% 33.90% 19.90 94.60% 0.00 0.00% 0.406 Third

1805 OK Canadian Oklahoma City, OK MSA 12.71% 47.60% 6.76% 41.30% 0.00 0.00% 7.71 50.10% 0.406 Third

1806 KY Allen Non-metro 11.25% 35.30% 5.90% 31.20% 26.72 95.70% 5.98 44.00% 0.406 Third

1807 IA Boone Non-metro 12.32% 44.20% 7.05% 44.50% 0.00 0.00% 7.95 50.70% 0.406 Third

1808 FL Nassau Jacksonville, FL MSA 12.14% 42.60% 6.93% 43.30% 0.00 0.00% 11.10 61.50% 0.405 Third

1809 VA Richmond Non-metro 11.91% 40.50% 6.88% 42.70% 0.00 0.00% 14.71 72.10% 0.405 Third

1810 MT Valley Non-metro 11.72% 38.70% 6.48% 38.20% 0.00 0.00% 45.98 96.90% 0.405 Third

1811 WA Lewis Non-metro 12.16% 42.80% 6.53% 38.90% 0.00 0.00% 17.40 77.70% 0.405 Third

1812 PA Franklin Non-metro 12.56% 46.20% 7.05% 44.50% 0.00 0.00% 5.31 41.50% 0.404 Third

1813 MI Jackson Jackson, MI MSA 13.06% 49.90% 6.27% 35.60% 0.00 0.00% 11.21 62.10% 0.404 Third

1814 TX Eastland Non-metro 11.72% 38.70% 6.99% 44.10% 0.00 0.00% 15.02 72.80% 0.404 Third

1815 IN Brown Indianapolis-Carmel, IN MSA 12.61% 46.70% 6.94% 43.50% 0.00 0.00% 5.70 43.00% 0.404 Third

1816 IL Rock Island Davenport-Moline-Rock Island, IA-IL MSA 12.21% 43.40% 7.09% 45.00% 0.00 0.00% 7.41 49.10% 0.403 Third

1817 WY Converse Non-metro 13.10% 50.10% 6.51% 38.70% 0.00 0.00% 6.82 46.90% 0.402 Third

1818 OH Crawford Non-metro 11.51% 36.90% 6.90% 42.90% 0.00 0.00% 20.81 82.90% 0.402 Third

1819 UT Carbon Non-metro 12.82% 48.20% 5.77% 30.20% 0.00 0.00% 25.96 88.50% 0.402 Third

1820 TX Deaf Smith Non-metro 13.80% 56.40% 7.00% 44.10% 0.00 0.00% 0.00 0.00% 0.402 Third

1821 MN Isanti Minneapolis-St. Paul-bloomington, MN-WI MSA 11.84% 39.80% 6.75% 41.20% 0.00 0.00% 17.45 77.80% 0.402 Third

1822 KY Logan Non-metro 11.21% 35.10% 6.82% 42.10% 14.00 93.00% 0.00 0.00% 0.402 Third

1823 FL Bay Panama City-Lynn Haven-panama City Beach, FL MSA 11.07% 33.90% 6.29% 35.80% 0.70 75.90% 6.83 47.00% 0.402 Third

1824 WA Columbia Non-metro 12.56% 46.30% 7.92% 54.10% 0.00 0.00% 0.00 0.00% 0.402 Third

1825 IA Clarke Non-metro 10.65% 30.40% 8.03% 55.10% 0.00 0.00% 10.55 59.60% 0.402 Third

1826 PA Venango Non-metro 12.68% 47.40% 7.81% 53.00% 0.00 0.00% 0.00 0.00% 0.402 Third

1827 KS Marion Non-metro 13.39% 52.40% 5.20% 24.40% 0.00 0.00% 36.18 94.30% 0.402 Third

1828 FL Duval Jacksonville, FL MSA 10.78% 31.10% 6.48% 38.20% 0.41 75.00% 7.36 48.80% 0.401 Third

1829 LA Terrebonne Houma-Bayou Cane-Thibodaux, LA MSA 10.50% 29.10% 5.99% 32.20% 3.42 82.90% 14.93 72.70% 0.401 Third

61 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 62: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1830 ID Oneida Non-metro 11.98% 40.90% 6.53% 38.90% 0.00 0.00% 19.96 81.40% 0.401 Third

1831 LA St. Charles New Orleans-Metairie-Kenner, LA MSA 10.11% 25.70% 6.81% 42.00% 4.62 85.30% 6.10 44.30% 0.400 Third

1832 IL Brown Non-metro 16.22% 75.80% 5.19% 24.20% 0.00 0.00% 0.00 0.00% 0.400 Third

1833 KS Franklin Kansas City, MO-KS MSA 11.83% 39.60% 6.71% 40.90% 0.00 0.00% 17.53 77.90% 0.400 Third

1834 PA Bedford Non-metro 11.99% 41.00% 7.25% 47.10% 0.00 0.00% 6.86 47.10% 0.400 Third

1835 KY Butler Non-metro 12.74% 47.70% 6.46% 37.90% 0.00 0.00% 9.65 56.90% 0.399 Third

1836 AK Yakutat Non-metro 14.29% 60.00% 6.58% 39.70% 0.00 0.00% 0.00 0.00% 0.399 Third

1837 TX Polk Non-metro 13.50% 53.50% 5.36% 25.90% 2.57 81.20% 0.00 0.00% 0.399 Third

1838 MS DeSoto Memphis, TN-MS-AR MSA 11.67% 38.20% 7.35% 48.30% 0.00 0.00% 8.35 52.70% 0.399 Third

1839 AR Yell Non-metro 11.77% 39.10% 6.65% 40.30% 0.00 0.00% 19.51 80.90% 0.399 Third

1840 IN Grant Non-metro 12.16% 42.80% 6.82% 42.10% 0.00 0.00% 10.29 58.90% 0.399 Third

1841 PA Huntingdon Non-metro 12.86% 48.50% 7.62% 51.10% 0.00 0.00% 0.00 0.00% 0.398 Third

1842 TN Sevier Non-metro 12.25% 43.50% 7.11% 45.20% 0.00 0.00% 5.76 43.30% 0.398 Third

1843 MT Deer Lodge Non-metro 12.12% 42.40% 6.63% 40.10% 0.00 0.00% 13.18 68.00% 0.398 Third

1844 TX Bee Non-metro 11.57% 37.20% 5.51% 27.70% 16.96 93.90% 5.96 43.80% 0.397 Third

1845 TX Motley Non-metro 10.98% 33.30% 8.99% 65.90% 0.00 0.00% 0.00 0.00% 0.397 Third

1846 MO Scott Non-metro 12.80% 48.10% 6.23% 34.90% 0.00 0.00% 11.83 64.20% 0.396 Third

1847 TX Duval Non-metro 11.43% 36.20% 6.54% 39.10% 22.52 95.00% 0.00 0.00% 0.396 Third

1848 NM De Baca Non-metro 11.23% 35.20% 8.77% 63.80% 0.00 0.00% 0.00 0.00% 0.396 Third

1849 SD Hughes Non-metro 9.08% 18.20% 6.76% 41.30% 10.85 91.60% 12.49 66.10% 0.396 Third

1850 NE Harlan Non-metro 10.79% 31.40% 6.93% 43.30% 0.00 0.00% 41.49 96.00% 0.395 Third

1851 GA Douglas Atlanta-Sandy Springs-Marietta, GA MSA 10.45% 28.60% 6.35% 36.60% 4.24 84.40% 7.49 49.20% 0.394 Third

1852 WY Johnson Non-metro 10.49% 29.00% 7.46% 49.10% 0.00 0.00% 20.17 81.90% 0.394 Third

1853 CO Delta Non-metro 12.26% 43.60% 6.70% 40.80% 0.00 0.00% 9.58 56.60% 0.394 Third

1854 GA Newton Atlanta-Sandy Springs-Marietta, GA MSA 9.56% 21.30% 6.78% 41.60% 1.13 77.10% 11.96 64.90% 0.394 Third

1855 FL Sarasota North Port-Bradenton-Sarasota, FL MSA 12.03% 41.40% 7.28% 47.50% 0.00 0.00% 4.15 37.80% 0.393 Third

1856 KS Kearny Non-metro 10.86% 32.10% 6.96% 43.70% 0.00 0.00% 27.86 90.00% 0.393 Third

1857 MS Forrest Hattiesburg, MS MSA 11.92% 40.60% 6.83% 42.30% 0.00 0.00% 11.11 61.60% 0.393 Third

1858 FL Orange Orlando-Kissimmee-Sanford, FL MSA 11.01% 33.40% 6.24% 35.10% 1.00 76.70% 5.20 41.40% 0.392 Third

1859 TX Leon Non-metro 13.31% 51.70% 5.21% 24.50% 0.00 0.00% 24.54 87.30% 0.392 Third

1860 WI Buffalo Non-metro 12.54% 45.90% 5.50% 27.60% 0.00 0.00% 50.85 97.60% 0.392 Third

62 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 63: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1861 MO Adair Non-metro 13.08% 50.00% 7.30% 47.80% 0.00 0.00% 0.00 0.00% 0.391 Third

1862 FL Seminole Orlando-Kissimmee-Sanford, FL MSA 11.37% 36.00% 6.02% 32.70% 0.90 76.40% 4.78 39.70% 0.391 Third

1863 NC Rowan Non-metro 13.09% 50.10% 6.29% 35.80% 0.00 0.00% 6.89 47.20% 0.391 Third

1864 MN Swift Non-metro 11.45% 36.30% 7.28% 47.50% 0.00 0.00% 9.23 55.50% 0.391 Third

1865 IN Fayette Non-metro 10.78% 31.20% 9.05% 66.40% 0.00 0.00% 0.00 0.00% 0.390 Third

1866 AL Etowah Gadsden, AL MSA 12.63% 46.90% 6.54% 39.10% 0.00 0.00% 6.49 45.90% 0.390 Third

1867 MI Kalkaska Non-metro 12.40% 44.60% 5.62% 29.10% 0.00 0.00% 38.14 95.00% 0.390 Third

1868 NC Macon Non-metro 11.09% 34.20% 6.59% 39.80% 15.75 93.60% 0.00 0.00% 0.390 Third

1869 PA Wayne Non-metro 12.28% 43.80% 7.01% 44.20% 0.00 0.00% 4.12 37.60% 0.390 Third

1870 IL Wabash Non-metro 13.04% 49.80% 7.28% 47.50% 0.00 0.00% 0.00 0.00% 0.389 Third

1871 TN Robertson Nashville-Davidson--Murfreesboro--Franklin, TN MSA 13.36% 52.10% 6.31% 36.10% 0.00 0.00% 3.59 36.00% 0.389 Third

1872 KS Hamilton Non-metro 12.13% 42.50% 7.97% 54.60% 0.00 0.00% 0.00 0.00% 0.388 Third

1873 TX Kimble Non-metro 10.24% 27.00% 7.11% 45.20% 241.16 99.40% 0.00 0.00% 0.388 Third

1874 NE Pawnee Non-metro 10.57% 29.80% 7.02% 44.30% 0.00 0.00% 30.21 91.70% 0.388 Third

1875 VA Pulaski Blacksburg-Christiansburg-Radford, VA MSA 12.39% 44.50% 6.59% 39.80% 0.00 0.00% 7.94 50.70% 0.388 Third

1876 VA Norfolk Virginia Beach-Norfolk-Newport News, VA-NC MSA 11.78% 39.20% 7.26% 47.30% 0.00 0.00% 5.27 41.40% 0.387 Third

1877 IN Greene Bloomington, IN MSA 13.58% 54.20% 6.87% 42.60% 0.00 0.00% 0.00 0.00% 0.387 Third

1878 OR Curry Non-metro 13.18% 50.80% 6.36% 36.70% 0.00 0.00% 3.86 36.70% 0.387 Third

1879 GA Hart Non-metro 11.69% 38.40% 7.05% 44.50% 0.00 0.00% 9.03 55.00% 0.387 Third

1880 VA Northampton Non-metro 13.02% 49.50% 7.25% 47.10% 0.00 0.00% 0.00 0.00% 0.386 Third

1881 GA Rabun Non-metro 12.01% 41.30% 8.03% 55.10% 0.00 0.00% 0.00 0.00% 0.386 Third

1882 ID Elmore Non-metro 12.15% 42.80% 6.45% 37.90% 0.00 0.00% 11.36 62.60% 0.385 Third

1883 GA Pierce Non-metro 12.76% 47.80% 7.38% 48.50% 0.00 0.00% 0.00 0.00% 0.385 Third

1884 PA Greene Non-metro 11.83% 39.60% 6.88% 42.70% 0.00 0.00% 9.34 55.90% 0.385 Third

1885 TN Hamilton Chattanooga, TN-GA MSA 12.48% 45.30% 6.61% 39.90% 0.00 0.00% 5.97 44.00% 0.385 Fourth

1886 MI Cheboygan Non-metro 10.65% 30.40% 6.80% 41.80% 27.89 95.90% 0.00 0.00% 0.385 Fourth

1887 NH Sullivan Non-metro 10.88% 32.30% 4.73% 19.90% 5.08 86.10% 27.64 89.70% 0.385 Fourth

1888 GA McDuffie Augusta-Richmond County, GA-SC MSA 11.78% 39.10% 6.51% 38.70% 0.00 0.00% 15.23 73.30% 0.385 Fourth

1889 PA Sullivan Non-metro 12.87% 48.50% 5.49% 27.50% 0.00 0.00% 18.66 79.90% 0.384 Fourth

1890 NM Roosevelt Non-metro 11.74% 38.80% 6.28% 35.70% 0.00 0.00% 23.17 85.80% 0.384 Fourth

1891 NE Seward Lincoln, NE MSA 12.05% 41.70% 6.21% 34.70% 0.00 0.00% 17.64 78.20% 0.384 Fourth

63 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 64: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1892 MS Hinds Jackson, MS MSA 11.52% 36.90% 7.27% 47.40% 0.00 0.00% 6.72 46.50% 0.384 Fourth

1893 MS Pike Non-metro 11.69% 38.50% 6.95% 43.60% 0.00 0.00% 9.12 55.20% 0.384 Fourth

1894 TN Crockett Non-metro 10.95% 33.00% 8.70% 62.90% 0.00 0.00% 0.00 0.00% 0.384 Fourth

1895 KY Laurel Non-metro 10.90% 32.50% 5.90% 31.20% 30.59 96.20% 1.94 32.00% 0.383 Fourth

1896 GA Toombs Non-metro 12.03% 41.50% 6.40% 37.20% 0.00 0.00% 13.18 68.00% 0.383 Fourth

1897 NE Hooker Non-metro 11.03% 33.60% 8.65% 62.00% 0.00 0.00% 0.00 0.00% 0.382 Fourth

1898 OH Scioto Non-metro 11.24% 35.30% 7.59% 50.80% 0.00 0.00% 3.82 36.60% 0.381 Fourth

1899 MN Stevens Non-metro 13.18% 50.80% 7.04% 44.40% 0.00 0.00% 0.00 0.00% 0.381 Fourth

1900 IN Montgomery Non-metro 11.06% 33.80% 6.73% 41.10% 0.00 0.00% 19.58 81.10% 0.381 Fourth

1901 OH Wyandot Non-metro 11.78% 39.10% 5.98% 32.20% 0.00 0.00% 38.61 95.20% 0.380 Fourth

1902 TX Lee Non-metro 12.84% 48.30% 6.30% 36.00% 0.00 0.00% 5.68 42.80% 0.380 Fourth

1903 KY Knox Non-metro 9.35% 20.20% 6.12% 33.70% 3.89 83.80% 19.08 80.50% 0.380 Fourth

1904 MN Carlton Duluth, MN-WI MSA 9.43% 20.70% 5.54% 28.20% 20.57 94.70% 27.38 89.50% 0.380 Fourth

1905 MN Cook Non-metro 11.64% 37.90% 6.02% 32.70% 40.86 97.30% 0.00 0.00% 0.380 Fourth

1906 TX Fannin Non-metro 12.49% 45.50% 7.50% 49.40% 0.00 0.00% 0.00 0.00% 0.380 Fourth

1907 WY Sweetwater Non-metro 12.34% 44.30% 6.52% 38.80% 0.00 0.00% 6.89 47.20% 0.380 Fourth

1908 IL Iroquois Non-metro 10.02% 24.70% 6.01% 32.60% 3.92 83.90% 12.58 66.40% 0.380 Fourth

1909 MS Jones Non-metro 12.13% 42.50% 5.66% 29.40% 0.00 0.00% 30.61 91.90% 0.380 Fourth

1910 TX Walker Non-metro 12.55% 46.00% 6.54% 39.10% 0.00 0.00% 4.52 39.10% 0.380 Fourth

1911 IL Perry Non-metro 12.17% 43.00% 5.94% 31.90% 0.00 0.00% 18.63 79.80% 0.379 Fourth

1912 TX Irion San Angelo, TX MSA 16.20% 75.60% 4.63% 19.20% 0.00 0.00% 0.00 0.00% 0.379 Fourth

1913 TX Bowie Texarkana, TX-TEXARKANA, AR MSA 12.15% 42.80% 6.93% 43.30% 0.00 0.00% 3.13 34.60% 0.379 Fourth

1914 KY Hancock Owensboro, KY MSA 12.90% 48.80% 7.17% 45.90% 0.00 0.00% 0.00 0.00% 0.379 Fourth

1915 TX Palo Pinto Non-metro 10.89% 32.50% 4.53% 18.30% 4.26 84.50% 28.56 90.70% 0.378 Fourth

1916 TX Edwards Non-metro 10.19% 26.60% 9.18% 68.00% 0.00 0.00% 0.00 0.00% 0.378 Fourth

1917 SD Brookings Non-metro 11.41% 36.10% 6.46% 37.90% 0.00 0.00% 20.32 82.10% 0.378 Fourth

1918 OH Logan Non-metro 12.56% 46.10% 5.30% 25.10% 0.00 0.00% 33.11 93.00% 0.378 Fourth

1919 LA East Baton Rouge Baton Rouge, LA MSA 10.12% 25.80% 6.26% 35.30% 8.43 89.80% 5.59 42.50% 0.377 Fourth

1920 IN Noble Non-metro 11.81% 39.40% 6.23% 34.90% 0.00 0.00% 17.99 78.70% 0.376 Fourth

1921 AL Lawrence Decatur, AL MSA 10.84% 31.90% 7.46% 49.10% 0.00 0.00% 8.12 51.30% 0.375 Fourth

1922 IN Jackson Non-metro 12.47% 45.10% 6.64% 40.20% 0.00 0.00% 3.00 34.10% 0.375 Fourth

64 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 65: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1923 ND Ransom Non-metro 12.36% 44.40% 7.50% 49.40% 0.00 0.00% 0.00 0.00% 0.375 Fourth

1924 SD Todd Non-metro 12.04% 41.60% 7.74% 52.20% 0.00 0.00% 0.00 0.00% 0.375 Fourth

1925 KY Carroll Non-metro 10.73% 30.80% 6.58% 39.70% 0.00 0.00% 32.19 92.50% 0.375 Fourth

1926 ID Lincoln Non-metro 14.01% 57.80% 6.29% 35.80% 0.00 0.00% 0.00 0.00% 0.374 Fourth

1927 IN Pulaski Non-metro 11.40% 36.10% 6.26% 35.30% 0.00 0.00% 24.96 87.80% 0.373 Fourth

1928 IN Ohio Cincinnati-Middletown, OH-KY-IN MSA 11.49% 36.70% 6.34% 36.60% 0.00 0.00% 18.83 80.10% 0.373 Fourth

1929 LA Caddo Shreveport-Bossier City, LA MSA 9.99% 24.30% 6.49% 38.30% 9.61 90.60% 2.03 32.10% 0.373 Fourth

1930 VA Campbell Lynchburg, VA MSA 13.89% 57.10% 6.31% 36.10% 0.00 0.00% 0.00 0.00% 0.373 Fourth

1931 TX Robertson College Station-Bryan, TX MSA 13.04% 49.70% 4.73% 19.90% 0.00 0.00% 35.57 94.00% 0.372 Fourth

1932 VA Buckingham Non-metro 13.73% 55.60% 4.40% 17.10% 0.00 0.00% 19.90 81.40% 0.372 Fourth

1933 WY Lincoln Non-metro 12.75% 47.80% 5.48% 27.30% 0.00 0.00% 14.27 71.20% 0.372 Fourth

1934 TN Montgomery Clarksville, TN-KY MSA 11.54% 37.10% 6.23% 34.90% 0.00 0.00% 20.99 83.10% 0.371 Fourth

1935 TX Starr Non-metro 10.14% 26.00% 6.17% 34.20% 12.84 92.80% 3.83 36.60% 0.370 Fourth

1936 MN Winona Non-metro 11.28% 35.60% 6.47% 38.00% 0.00 0.00% 16.44 75.80% 0.370 Fourth

1937 GA Jefferson Non-metro 13.53% 53.80% 6.51% 38.70% 0.00 0.00% 0.00 0.00% 0.370 Fourth

1938 VA Lexington Non-metro 10.11% 25.80% 7.48% 49.20% 0.00 0.00% 13.48 69.30% 0.369 Fourth

1939 OK Sequoyah Fort Smith, AR-OK MSA 11.16% 34.80% 4.79% 20.70% 34.91 96.60% 7.70 50.10% 0.369 Fourth

1940 NM Otero Non-metro 10.49% 29.00% 5.77% 30.20% 2.62 81.30% 7.79 50.40% 0.369 Fourth

1941 TN Jefferson Morristown, TN MSA 12.01% 41.30% 6.44% 37.70% 0.00 0.00% 8.30 52.40% 0.368 Fourth

1942 KY Hopkins Non-metro 10.92% 32.60% 5.32% 25.40% 3.62 83.40% 8.37 52.80% 0.368 Fourth

1943 TX Callahan Abilene, TX MSA 11.67% 38.30% 6.03% 32.90% 0.00 0.00% 21.10 83.30% 0.368 Fourth

1944 OH Perry Non-metro 11.45% 36.40% 6.07% 33.30% 0.00 0.00% 26.94 89.00% 0.368 Fourth

1945 FL Leon Tallahassee, FL MSA 11.19% 35.00% 7.28% 47.50% 0.00 0.00% 4.11 37.50% 0.368 Fourth

1946 TX Val Verde Non-metro 9.99% 24.40% 5.96% 32.00% 18.89 94.30% 6.96 47.50% 0.367 Fourth

1947 GA Cook Non-metro 12.06% 41.80% 7.52% 49.90% 0.00 0.00% 0.00 0.00% 0.367 Fourth

1948 MN Grant Non-metro 11.91% 40.50% 7.63% 51.20% 0.00 0.00% 0.00 0.00% 0.367 Fourth

1949 VA Franklin Roanoke, VA MSA 12.41% 44.80% 7.24% 46.90% 0.00 0.00% 0.00 0.00% 0.367 Fourth

1950 GA Camden Non-metro 10.80% 31.50% 7.17% 45.90% 0.00 0.00% 9.76 57.10% 0.367 Fourth

1951 TX Tyler Non-metro 11.88% 40.40% 7.63% 51.20% 0.00 0.00% 0.00 0.00% 0.366 Fourth

1952 IL Stephenson Non-metro 12.67% 47.20% 5.92% 31.60% 0.00 0.00% 7.97 50.80% 0.366 Fourth

1953 IL Bureau Non-metro 11.66% 38.00% 7.01% 44.20% 0.00 0.00% 3.91 37.00% 0.366 Fourth

65 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 66: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1954 AK Prince of Wales-Hyder Non-metro 11.97% 40.90% 7.56% 50.50% 0.00 0.00% 0.00 0.00% 0.366 Fourth

1955 MI Eaton Lansing-East Lansing, MI MSA 11.72% 38.60% 6.67% 40.50% 0.00 0.00% 7.52 49.20% 0.366 Fourth

1956 TX Jim Hogg Non-metro 13.42% 52.70% 4.21% 15.00% 21.01 94.80% 0.00 0.00% 0.366 Fourth

1957 VA Henry Non-metro 12.93% 49.00% 6.83% 42.30% 0.00 0.00% 0.00 0.00% 0.365 Fourth

1958 SC Clarendon Non-metro 11.28% 35.60% 7.19% 46.20% 0.00 0.00% 4.18 37.80% 0.365 Fourth

1959 VA Cumberland Richmond, VA MSA 15.27% 68.20% 5.07% 23.00% 0.00 0.00% 0.00 0.00% 0.365 Fourth

1960 LA Calcasieu Lake Charles, LA MSA 9.83% 23.10% 6.40% 37.20% 1.43 78.10% 6.30 45.30% 0.365 Fourth

1961 VT Orange Non-metro 11.29% 35.70% 6.09% 33.50% 0.00 0.00% 24.61 87.30% 0.364 Fourth

1962 AR Searcy Non-metro 11.35% 35.90% 8.02% 55.10% 0.00 0.00% 0.00 0.00% 0.364 Fourth

1963 KS Harper Non-metro 13.82% 56.50% 6.18% 34.50% 0.00 0.00% 0.00 0.00% 0.364 Fourth

1964 GA Gilmer Non-metro 10.17% 26.20% 6.98% 44.00% 0.00 0.00% 20.76 82.80% 0.364 Fourth

1965 WY Crook Non-metro 11.97% 40.90% 7.53% 50.00% 0.00 0.00% 0.00 0.00% 0.364 Fourth

1966 AK Bethel Non-metro 11.09% 34.20% 8.11% 56.40% 0.00 0.00% 0.00 0.00% 0.362 Fourth

1967 TX Cass Non-metro 11.05% 33.70% 5.40% 26.40% 4.86 85.80% 3.69 36.20% 0.362 Fourth

1968 AL Geneva Dothan, AL MSA 12.04% 41.50% 6.57% 39.50% 0.00 0.00% 4.30 38.20% 0.362 Fourth

1969 OK Murray Non-metro 10.34% 27.80% 8.68% 62.70% 0.00 0.00% 0.00 0.00% 0.362 Fourth

1970 TX Wichita Wichita Falls, TX MSA 10.39% 28.10% 5.42% 26.60% 4.26 84.50% 10.14 58.40% 0.362 Fourth

1971 LA West Feliciana Baton Rouge, LA MSA 11.10% 34.30% 8.10% 56.10% 0.00 0.00% 0.00 0.00% 0.362 Fourth

1972 MN Le Sueur Non-metro 12.65% 47.10% 5.91% 31.40% 0.00 0.00% 6.93 47.40% 0.361 Fourth

1973 FL Sumter Non-metro 12.45% 45.10% 6.38% 36.90% 0.00 0.00% 2.70 33.20% 0.361 Fourth

1974 GA Evans Non-metro 12.88% 48.60% 4.78% 20.60% 0.00 0.00% 21.46 83.70% 0.361 Fourth

1975 MN Houston La Crosse, WI-MN MSA 9.80% 22.80% 5.30% 25.10% 5.88 87.10% 20.10 81.70% 0.360 Fourth

1976 NC Caswell Non-metro 11.61% 37.70% 6.66% 40.40% 0.00 0.00% 7.08 47.90% 0.360 Fourth

1977 WI Iowa Madison, WI MSA 10.73% 30.90% 6.46% 37.90% 4.51 85.00% 0.00 0.00% 0.360 Fourth

1978 KY Lee Non-metro 10.39% 28.30% 6.42% 37.40% 39.22 97.10% 0.00 0.00% 0.360 Fourth

1979 CO Lake Non-metro 10.48% 28.80% 6.57% 39.50% 0.00 0.00% 24.10 86.60% 0.360 Fourth

1980 OH Brown Cincinnati-Middletown, OH-KY-IN MSA 12.33% 44.20% 7.14% 45.60% 0.00 0.00% 0.00 0.00% 0.359 Fourth

1981 AL Cherokee Non-metro 12.20% 43.20% 7.21% 46.50% 0.00 0.00% 0.00 0.00% 0.359 Fourth

1982 CO Dolores Non-metro 15.60% 70.90% 4.58% 18.80% 0.00 0.00% 0.00 0.00% 0.359 Fourth

1983 NY Delaware Non-metro 12.38% 44.40% 6.40% 37.20% 0.00 0.00% 2.31 32.40% 0.359 Fourth

1984 TX Ochiltree Non-metro 13.10% 50.20% 6.57% 39.50% 0.00 0.00% 0.00 0.00% 0.359 Fourth

66 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 67: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

1985 GA Barrow Atlanta-Sandy Springs-Marietta, GA MSA 10.80% 31.40% 6.82% 42.10% 0.00 0.00% 11.86 64.40% 0.358 Fourth

1986 VA Bedford Lynchburg, VA MSA 11.84% 39.90% 7.51% 49.70% 0.00 0.00% 0.00 0.00% 0.358 Fourth

1987 AK Nome Non-metro 10.96% 33.00% 6.42% 37.40% 0.00 0.00% 16.86 76.50% 0.358 Fourth

1988 FL Lee Cape Coral-Fort Myers, FL MSA 10.35% 27.80% 6.06% 33.20% 0.16 74.40% 4.67 39.40% 0.358 Fourth

1989 TN Decatur Non-metro 14.01% 57.80% 5.92% 31.60% 0.00 0.00% 0.00 0.00% 0.358 Fourth

1990 GA Seminole Non-metro 11.90% 40.40% 7.43% 48.80% 0.00 0.00% 0.00 0.00% 0.357 Fourth

1991 PA Cameron Non-metro 9.17% 18.70% 9.44% 70.50% 0.00 0.00% 0.00 0.00% 0.357 Fourth

1992 IN Posey Evansville, IN-KY MSA 12.57% 46.40% 6.00% 32.40% 0.00 0.00% 5.19 41.30% 0.357 Fourth

1993 NE Jefferson Non-metro 11.46% 36.50% 7.77% 52.60% 0.00 0.00% 0.00 0.00% 0.356 Fourth

1994 MN Pine Non-metro 11.69% 38.50% 6.21% 34.70% 0.00 0.00% 11.58 63.30% 0.356 Fourth

1995 MO Gasconade Non-metro 10.70% 30.70% 6.49% 38.30% 0.00 0.00% 18.77 80.10% 0.356 Fourth

1996 NV Esmeralda Non-metro 8.00% 11.40% 10.26% 77.60% 0.00 0.00% 0.00 0.00% 0.356 Fourth

1997 AL Elmore Montgomery, AL MSA 11.87% 40.20% 6.62% 40.00% 0.00 0.00% 3.26 35.00% 0.356 Fourth

1998 MO Crawford Non-metro 12.87% 48.50% 4.97% 22.10% 0.00 0.00% 15.20 73.20% 0.356 Fourth

1999 MO Gentry Non-metro 11.55% 37.10% 6.24% 35.10% 0.00 0.00% 12.69 66.60% 0.355 Fourth

2000 LA St. Landry Non-metro 10.85% 32.00% 5.56% 28.50% 1.57 78.50% 3.16 34.70% 0.355 Fourth

2001 TX Upton Non-metro 18.22% 86.20% 2.29% 2.50% 0.00 0.00% 0.00 0.00% 0.355 Fourth

2002 IN Putnam Indianapolis-Carmel, IN MSA 11.83% 39.50% 5.70% 29.90% 0.00 0.00% 17.05 77.10% 0.355 Fourth

2003 AL Calhoun Anniston-Oxford, AL MSA 12.03% 41.40% 6.41% 37.30% 0.00 0.00% 4.64 39.40% 0.354 Fourth

2004 VA Shenandoah Non-metro 12.49% 45.60% 6.90% 42.90% 0.00 0.00% 0.00 0.00% 0.354 Fourth

2005 IN Howard Kokomo, IN MSA 11.50% 36.80% 6.06% 33.20% 0.00 0.00% 15.44 73.80% 0.354 Fourth

2006 TX Frio Non-metro 12.68% 47.30% 5.35% 25.80% 0.00 0.00% 11.03 61.30% 0.354 Fourth

2007 KY McCracken Non-metro 11.56% 37.10% 6.12% 33.70% 0.00 0.00% 13.94 70.40% 0.354 Fourth

2008 IA Butler Non-metro 11.52% 36.90% 5.89% 31.00% 0.00 0.00% 20.22 81.90% 0.354 Fourth

2009 MI Huron Non-metro 11.82% 39.50% 6.23% 34.90% 0.00 0.00% 9.23 55.50% 0.353 Fourth

2010 IA Lyon Non-metro 11.94% 40.70% 7.28% 47.50% 0.00 0.00% 0.00 0.00% 0.353 Fourth

2011 MO Ray Kansas City, MO-KS MSA 12.72% 47.60% 6.68% 40.60% 0.00 0.00% 0.00 0.00% 0.353 Fourth

2012 MO Washington St. Louis, MO-IL MSA 10.50% 29.10% 6.80% 41.80% 0.00 0.00% 13.29 68.40% 0.352 Fourth

2013 VA Fluvanna Charlottesville, VA MSA 11.59% 37.50% 5.83% 30.70% 0.00 0.00% 17.97 78.70% 0.352 Fourth

2014 IN Carroll Lafayette, IN MSA 12.10% 42.20% 5.77% 30.20% 0.00 0.00% 11.15 61.80% 0.351 Fourth

2015 MO Livingston Non-metro 12.20% 43.20% 6.02% 32.70% 0.00 0.00% 7.05 47.80% 0.351 Fourth

67 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 68: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2016 TX Hall Non-metro 11.06% 33.90% 7.87% 53.80% 0.00 0.00% 0.00 0.00% 0.351 Fourth

2017 IA Grundy Waterloo-Cedar Falls, IA MSA 10.88% 32.40% 5.88% 31.00% 0.00 0.00% 45.98 96.90% 0.351 Fourth

2018 FL Indian River Sebastian-Vero Beach, FL MSA 9.24% 19.20% 6.77% 41.40% 0.70 75.90% 2.04 32.10% 0.350 Fourth

2019 GA Harris Columbus, GA-AL MSA 12.82% 48.20% 6.56% 39.40% 0.00 0.00% 0.00 0.00% 0.350 Fourth

2020 KY Franklin Non-metro 9.76% 22.40% 6.05% 33.00% 33.20 96.50% 1.92 31.90% 0.350 Fourth

2021 LA Iberia Non-metro 10.56% 29.70% 5.52% 27.90% 2.77 81.70% 3.83 36.60% 0.349 Fourth

2022 GA Franklin Non-metro 11.24% 35.20% 5.82% 30.70% 0.00 0.00% 22.48 85.00% 0.349 Fourth

2023 NM Cibola Non-metro 12.27% 43.80% 6.93% 43.30% 0.00 0.00% 0.00 0.00% 0.348 Fourth

2024 MS Harrison Gulfport-Biloxi, MS MSA 10.96% 33.10% 6.87% 42.60% 0.00 0.00% 6.37 45.50% 0.348 Fourth

2025 KS Lane Non-metro 13.47% 53.00% 6.15% 34.00% 0.00 0.00% 0.00 0.00% 0.348 Fourth

2026 MT Wheatland Non-metro 14.36% 60.80% 5.38% 26.20% 0.00 0.00% 0.00 0.00% 0.348 Fourth

2027 TX Henderson Non-metro 11.84% 39.80% 6.53% 38.90% 0.00 0.00% 2.62 33.10% 0.348 Fourth

2028 ND Traill Non-metro 13.15% 50.50% 4.98% 22.10% 0.00 0.00% 9.81 57.20% 0.348 Fourth

2029 KS Rawlins Non-metro 13.17% 50.70% 6.31% 36.10% 0.00 0.00% 0.00 0.00% 0.347 Fourth

2030 MN Waseca Non-metro 12.30% 43.90% 5.99% 32.20% 0.00 0.00% 5.59 42.50% 0.347 Fourth

2031 MI Chippewa Non-metro 8.20% 12.30% 5.41% 26.50% 12.17 92.30% 74.81 99.20% 0.347 Fourth

2032 MO Clinton Kansas City, MO-KS MSA 11.70% 38.60% 5.32% 25.40% 0.00 0.00% 28.54 90.60% 0.347 Fourth

2033 KY Grant Cincinnati-Middletown, OH-KY-IN MSA 9.76% 22.50% 6.83% 42.30% 6.02 87.30% 0.00 0.00% 0.347 Fourth

2034 WA Ferry Non-metro 13.10% 50.20% 6.33% 36.40% 0.00 0.00% 0.00 0.00% 0.346 Fourth

2035 FL Pasco Tampa-St. Petersburg-Clearwater, FL MSA 10.18% 26.40% 5.80% 30.50% 1.71 78.90% 4.53 39.10% 0.346 Fourth

2036 MN Fillmore Non-metro 11.04% 33.60% 5.97% 32.10% 0.00 0.00% 20.75 82.70% 0.346 Fourth

2037 MO Pike Non-metro 10.81% 31.60% 6.96% 43.70% 0.00 0.00% 6.11 44.30% 0.346 Fourth

2038 SD Turner Sioux Falls, SD MSA 11.45% 36.40% 6.22% 34.80% 0.00 0.00% 10.60 59.90% 0.345 Fourth

2039 GA Screven Non-metro 12.56% 46.20% 6.60% 39.90% 0.00 0.00% 0.00 0.00% 0.344 Fourth

2040 MS Chickasaw Non-metro 11.85% 40.00% 7.18% 46.10% 0.00 0.00% 0.00 0.00% 0.344 Fourth

2041 KY Barren Non-metro 9.71% 22.00% 4.75% 20.20% 2.70 81.50% 32.44 92.70% 0.343 Fourth

2042 TX Limestone Non-metro 10.82% 31.70% 4.44% 17.50% 6.55 87.90% 9.93 57.60% 0.342 Fourth

2043 SD Beadle Non-metro 10.32% 27.60% 6.14% 33.90% 29.03 96.00% 0.00 0.00% 0.342 Fourth

2044 KY Edmonson Bowling Green, KY MSA 9.00% 17.80% 5.55% 28.30% 31.58 96.30% 10.98 61.10% 0.342 Fourth

2045 LA Bossier Shreveport-Bossier City, LA MSA 9.38% 20.40% 5.80% 30.50% 2.28 80.30% 9.98 57.80% 0.342 Fourth

2046 IN Morgan Indianapolis-Carmel, IN MSA 12.08% 41.90% 5.46% 26.90% 0.00 0.00% 12.52 66.30% 0.342 Fourth

68 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 69: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2047 CO Chaffee Non-metro 11.31% 35.80% 5.81% 30.60% 0.00 0.00% 16.35 75.70% 0.341 Fourth

2048 IL Richland Non-metro 11.34% 35.90% 7.50% 49.40% 0.00 0.00% 0.00 0.00% 0.341 Fourth

2049 GA Jones Macon, GA MSA 11.54% 37.00% 6.51% 38.70% 0.00 0.00% 4.34 38.30% 0.341 Fourth

2050 NC Robeson Non-metro 11.10% 34.30% 6.79% 41.70% 0.00 0.00% 3.97 37.00% 0.341 Fourth

2051 MS Noxubee Non-metro 10.93% 32.80% 6.00% 32.40% 0.00 0.00% 18.69 80.00% 0.341 Fourth

2052 IA Mills Omaha-Council Bluffs, NE-IA MSA 11.56% 37.20% 7.30% 47.80% 0.00 0.00% 0.00 0.00% 0.340 Fourth

2053 IL Marion Non-metro 11.67% 38.20% 5.79% 30.40% 0.00 0.00% 12.10 65.20% 0.340 Fourth

2054 FL Bradford Non-metro 11.79% 39.30% 6.29% 35.80% 0.00 0.00% 4.48 39.00% 0.339 Fourth

2055 KS Allen Non-metro 10.61% 30.10% 6.84% 42.40% 0.00 0.00% 7.52 49.30% 0.339 Fourth

2056 KS Osborne Non-metro 10.06% 25.00% 6.71% 40.90% 0.00 0.00% 16.23 75.40% 0.339 Fourth

2057 LA Lafourche Houma-Bayou Cane-Thibodaux, LA MSA 9.99% 24.30% 5.89% 31.00% 1.36 77.90% 4.82 39.90% 0.339 Fourth

2058 OK Major Non-metro 12.08% 42.10% 6.87% 42.60% 0.00 0.00% 0.00 0.00% 0.339 Fourth

2059 NY St. Lawrence Non-metro 11.80% 39.40% 5.97% 32.10% 0.00 0.00% 8.19 51.70% 0.338 Fourth

2060 KY Hardin Elizabethtown, KY MSA 10.05% 25.00% 4.93% 21.80% 3.08 82.30% 13.07 67.80% 0.337 Fourth

2061 TN Humphreys Non-metro 10.55% 29.60% 7.98% 54.70% 0.00 0.00% 0.00 0.00% 0.337 Fourth

2062 SC Bamberg Non-metro 11.06% 33.80% 6.20% 34.60% 0.00 0.00% 11.64 63.50% 0.337 Fourth

2063 TX Crane Non-metro 11.97% 40.80% 4.80% 20.80% 0.00 0.00% 28.49 90.60% 0.337 Fourth

2064 KY Letcher Non-metro 8.96% 17.40% 5.89% 31.00% 90.09 98.50% 6.14 44.50% 0.337 Fourth

2065 KY Gallatin Cincinnati-Middletown, OH-KY-IN MSA 12.08% 42.10% 6.81% 42.00% 0.00 0.00% 0.00 0.00% 0.336 Fourth

2066 IA Howard Non-metro 11.87% 40.20% 6.97% 43.80% 0.00 0.00% 0.00 0.00% 0.336 Fourth

2067 MN Mahnomen Non-metro 8.61% 15.20% 4.72% 19.90% 104.17 98.70% 44.15 96.60% 0.336 Fourth

2068 FL Union Non-metro 13.13% 50.40% 4.47% 17.80% 0.00 0.00% 11.42 62.80% 0.336 Fourth

2069 TX Refugio Non-metro 12.97% 49.20% 3.65% 10.50% 35.78 96.80% 0.00 0.00% 0.336 Fourth

2070 LA St. Bernard New Orleans-Metairie-Kenner, LA MSA 7.66% 9.00% 6.02% 32.70% 23.83 95.30% 15.02 72.90% 0.335 Fourth

2071 GA Baldwin Non-metro 10.48% 28.90% 6.36% 36.70% 0.00 0.00% 14.77 72.20% 0.335 Fourth

2072 MI Genesee Flint, MI MSA 11.83% 39.60% 5.34% 25.60% 0.00 0.00% 15.39 73.60% 0.334 Fourth

2073 MN Todd Non-metro 9.18% 18.70% 5.21% 24.50% 4.83 85.60% 16.54 76.00% 0.334 Fourth

2074 OK Grady Oklahoma City, OK MSA 12.11% 42.40% 5.93% 31.70% 0.00 0.00% 4.20 38.00% 0.334 Fourth

2075 IL Lee Non-metro 11.01% 33.40% 6.74% 41.20% 0.00 0.00% 3.61 36.00% 0.334 Fourth

2076 FL Lake Orlando-Kissimmee-Sanford, FL MSA 10.11% 25.60% 5.67% 29.50% 1.61 78.60% 3.33 35.30% 0.334 Fourth

2077 WI Price Non-metro 9.83% 23.20% 5.33% 25.60% 13.99 93.00% 6.47 45.80% 0.334 Fourth

69 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 70: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2078 SC Greenwood Non-metro 10.12% 25.80% 5.55% 28.30% 2.25 80.20% 3.99 37.00% 0.334 Fourth

2079 KY Henderson Evansville, IN-KY MSA 10.54% 29.40% 4.82% 21.10% 75.16 98.40% 2.44 32.80% 0.333 Fourth

2080 AL Marshall Non-metro 11.68% 38.30% 6.25% 35.20% 0.00 0.00% 4.51 39.00% 0.333 Fourth

2081 KS Thomas Non-metro 10.11% 25.70% 6.47% 38.00% 0.00 0.00% 17.59 78.00% 0.333 Fourth

2082 VA King William Richmond, VA MSA 12.10% 42.40% 6.70% 40.80% 0.00 0.00% 0.00 0.00% 0.333 Fourth

2083 IL Jackson Non-metro 11.70% 38.50% 5.35% 25.80% 0.00 0.00% 15.87 74.80% 0.332 Fourth

2084 MS Grenada Non-metro 10.79% 31.30% 6.87% 42.60% 0.00 0.00% 3.65 36.10% 0.332 Fourth

2085 MN Beltrami Non-metro 10.92% 32.70% 5.46% 26.90% 0.00 0.00% 33.10 93.00% 0.331 Fourth

2086 TX Jones Abilene, TX MSA 11.17% 34.80% 5.36% 25.90% 7.17 88.60% 0.00 0.00% 0.331 Fourth

2087 TX Brooks Non-metro 8.95% 17.30% 6.82% 42.10% 15.85 93.70% 0.00 0.00% 0.331 Fourth

2088 TX Hill Non-metro 9.67% 21.80% 5.24% 24.70% 7.58 89.00% 9.39 56.20% 0.331 Fourth

2089 TX Fayette Non-metro 11.79% 39.30% 6.94% 43.50% 0.00 0.00% 0.00 0.00% 0.331 Fourth

2090 CO Yuma Non-metro 12.13% 42.50% 5.55% 28.30% 0.00 0.00% 7.09 48.00% 0.331 Fourth

2091 KY Anderson Non-metro 10.94% 32.80% 5.53% 28.10% 6.10 87.40% 0.00 0.00% 0.331 Fourth

2092 MO Knox Non-metro 12.43% 45.00% 6.44% 37.70% 0.00 0.00% 0.00 0.00% 0.331 Fourth

2093 PA Forest Non-metro 9.59% 21.40% 6.53% 38.90% 0.00 0.00% 27.40 89.50% 0.331 Fourth

2094 FL Santa Rosa Pensacola-Ferry Pass-Brent, FL MSA 10.06% 25.00% 5.49% 27.50% 0.86 76.30% 6.12 44.40% 0.331 Fourth

2095 IA Winneshiek Non-metro 9.70% 22.00% 4.95% 22.00% 4.44 84.90% 13.65 69.80% 0.331 Fourth

2096 AL Tallapoosa Non-metro 12.29% 43.80% 5.78% 30.30% 0.00 0.00% 2.92 33.90% 0.330 Fourth

2097 CO Montezuma Non-metro 12.14% 42.60% 4.65% 19.40% 0.00 0.00% 20.30 82.00% 0.330 Fourth

2098 MI Alger Non-metro 8.78% 16.20% 4.75% 20.20% 41.15 97.30% 24.39 87.00% 0.330 Fourth

2099 LA Claiborne Non-metro 7.98% 11.20% 5.49% 27.50% 10.87 91.60% 21.00 83.10% 0.330 Fourth

2100 IA Louisa Non-metro 8.94% 17.30% 7.05% 44.50% 0.00 0.00% 20.08 81.60% 0.329 Fourth

2101 MS Bolivar Non-metro 11.01% 33.40% 7.43% 48.80% 0.00 0.00% 0.00 0.00% 0.329 Fourth

2102 KY Greenup Huntington-Ashland, WV-KY-OH MSA 9.40% 20.50% 5.54% 28.20% 4.68 85.40% 7.29 48.60% 0.329 Fourth

2103 IL Washington Non-metro 12.63% 47.00% 5.02% 22.50% 0.00 0.00% 7.89 50.60% 0.329 Fourth

2104 AR Union Non-metro 13.23% 51.20% 5.87% 30.90% 0.00 0.00% 0.00 0.00% 0.328 Fourth

2105 MS Clay Non-metro 11.46% 36.50% 7.13% 45.50% 0.00 0.00% 0.00 0.00% 0.328 Fourth

2106 TX Archer Wichita Falls, TX MSA 12.02% 41.40% 6.68% 40.60% 0.00 0.00% 0.00 0.00% 0.328 Fourth

2107 NC Hoke Fayetteville, NC MSA 11.11% 34.40% 6.26% 35.30% 0.00 0.00% 7.45 49.10% 0.328 Fourth

2108 FL Brevard Palm Bay-Melbourne-Titusville, FL MSA 9.66% 21.70% 5.72% 30.00% 1.80 79.10% 5.39 41.80% 0.328 Fourth

70 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 71: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2109 MS Simpson Jackson, MS MSA 10.87% 32.20% 5.30% 25.10% 0.00 0.00% 62.11 98.50% 0.328 Fourth

2110 TX San Jacinto Houston-Sugar Land-baytown, TX MSA 12.08% 42.00% 4.40% 17.10% 10.30 91.00% 0.00 0.00% 0.327 Fourth

2111 TX Upshur Longview, TX MSA 11.48% 36.70% 5.21% 24.50% 3.22 82.50% 0.00 0.00% 0.327 Fourth

2112 OR Wheeler Non-metro 11.50% 36.80% 7.09% 45.00% 0.00 0.00% 0.00 0.00% 0.327 Fourth

2113 MN Redwood Non-metro 10.83% 31.80% 6.16% 34.10% 0.00 0.00% 11.65 63.50% 0.327 Fourth

2114 GA Effingham Savannah, GA MSA 10.88% 32.40% 6.07% 33.30% 0.00 0.00% 11.68 63.70% 0.327 Fourth

2115 GA Carroll Atlanta-Sandy Springs-Marietta, GA MSA 10.91% 32.60% 6.38% 36.90% 0.00 0.00% 7.24 48.50% 0.327 Fourth

2116 GA Dodge Non-metro 10.37% 28.00% 5.99% 32.20% 0.00 0.00% 22.79 85.50% 0.326 Fourth

2117 LA Livingston Baton Rouge, LA MSA 10.02% 24.80% 5.58% 28.70% 2.12 80.00% 1.98 32.00% 0.326 Fourth

2118 TX Sterling Non-metro 10.38% 28.10% 5.56% 28.50% 0.00 0.00% 94.34 99.50% 0.326 Fourth

2119 MO Dent Non-metro 10.33% 27.60% 7.86% 53.80% 0.00 0.00% 0.00 0.00% 0.326 Fourth

2120 IA Tama Non-metro 10.60% 30.00% 6.65% 40.30% 0.00 0.00% 5.96 43.80% 0.325 Fourth

2121 NE Nemaha Non-metro 11.90% 40.50% 6.69% 40.70% 0.00 0.00% 0.00 0.00% 0.325 Fourth

2122 MN Clearwater Non-metro 12.23% 43.50% 4.42% 17.30% 0.00 0.00% 19.88 81.40% 0.325 Fourth

2123 WI Ashland Non-metro 12.14% 42.70% 5.16% 23.90% 0.00 0.00% 10.08 58.10% 0.325 Fourth

2124 AL Dale Non-metro 10.85% 32.00% 6.50% 38.50% 0.00 0.00% 5.48 42.10% 0.324 Fourth

2125 MS Wayne Non-metro 11.04% 33.70% 5.10% 23.20% 0.00 0.00% 42.27 96.30% 0.324 Fourth

2126 GA Dougherty Albany, GA MSA 10.89% 32.50% 6.49% 38.30% 0.00 0.00% 4.97 40.60% 0.324 Fourth

2127 VA Grayson Non-metro 10.28% 27.40% 5.68% 29.60% 26.13 95.50% 0.00 0.00% 0.324 Fourth

2128 GA Peach Non-metro 10.67% 30.50% 6.16% 34.10% 0.00 0.00% 12.04 65.00% 0.323 Fourth

2129 WI Chippewa Eau Claire, WI MSA 12.49% 45.40% 5.03% 22.60% 0.00 0.00% 8.14 51.40% 0.323 Fourth

2130 TX Colorado Non-metro 12.49% 45.50% 6.26% 35.30% 0.00 0.00% 0.00 0.00% 0.323 Fourth

2131 KS Harvey Wichita, KS MSA 11.17% 34.80% 5.64% 29.20% 0.00 0.00% 12.91 67.10% 0.323 Fourth

2132 NM Hidalgo Non-metro 10.51% 29.20% 7.66% 51.50% 0.00 0.00% 0.00 0.00% 0.323 Fourth

2133 VA Nelson Charlottesville, VA MSA 12.85% 48.40% 5.99% 32.20% 0.00 0.00% 0.00 0.00% 0.322 Fourth

2134 MN Sibley Non-metro 10.98% 33.20% 5.43% 26.70% 0.00 0.00% 20.09 81.70% 0.321 Fourth

2135 NE Logan Non-metro 11.11% 34.40% 7.14% 45.60% 0.00 0.00% 0.00 0.00% 0.320 Fourth

2136 MN Mille Lacs Non-metro 10.11% 25.70% 5.96% 32.00% 0.00 0.00% 26.52 88.80% 0.320 Fourth

2137 GA Greene Non-metro 8.43% 14.10% 5.36% 25.90% 12.67 92.60% 12.77 66.80% 0.319 Fourth

2138 IL Jo Daviess Non-metro 10.87% 32.20% 6.49% 38.30% 0.00 0.00% 3.88 36.90% 0.319 Fourth

2139 IL Lawrence Non-metro 11.44% 36.30% 5.66% 29.40% 0.00 0.00% 9.38 56.10% 0.319 Fourth

71 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 72: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2140 TN Dickson Nashville-Davidson--Murfreesboro--Franklin, TN MSA 10.96% 33.10% 6.06% 33.20% 0.00 0.00% 8.41 53.00% 0.318 Fourth

2141 TX Erath Non-metro 10.48% 28.90% 6.31% 36.10% 0.00 0.00% 9.94 57.70% 0.318 Fourth

2142 TX Throckmorton Non-metro 15.58% 70.60% 3.47% 8.80% 0.00 0.00% 0.00 0.00% 0.318 Fourth

2143 TX Shelby Non-metro 10.24% 26.90% 4.55% 18.50% 4.91 85.80% 7.67 50.00% 0.317 Fourth

2144 CO Lincoln Non-metro 12.91% 48.80% 3.60% 9.90% 0.00 0.00% 20.49 82.40% 0.317 Fourth

2145 MI Baraga Non-metro 9.93% 23.90% 4.16% 14.70% 19.08 94.30% 13.25 68.20% 0.317 Fourth

2146 VA Lancaster Non-metro 11.15% 34.70% 7.01% 44.20% 0.00 0.00% 0.00 0.00% 0.316 Fourth

2147 VA Highland Non-metro 9.71% 22.10% 6.11% 33.60% 0.00 0.00% 32.36 92.60% 0.315 Fourth

2148 MO Douglas Non-metro 11.64% 37.80% 4.91% 21.70% 0.00 0.00% 17.12 77.10% 0.315 Fourth

2149 NE Stanton Non-metro 12.04% 41.60% 6.39% 37.10% 0.00 0.00% 0.00 0.00% 0.315 Fourth

2150 IL Whiteside Non-metro 10.73% 30.80% 6.29% 35.80% 0.00 0.00% 7.02 47.70% 0.314 Fourth

2151 WI Bayfield Non-metro 12.33% 44.20% 6.17% 34.20% 0.00 0.00% 0.00 0.00% 0.314 Fourth

2152 TX Angelina Non-metro 12.26% 43.60% 5.11% 23.20% 0.00 0.00% 6.39 45.60% 0.313 Fourth

2153 KS Meade Non-metro 10.00% 24.60% 7.84% 53.50% 0.00 0.00% 0.00 0.00% 0.312 Fourth

2154 MO Phelps Non-metro 10.97% 33.20% 6.19% 34.50% 0.00 0.00% 5.30 41.50% 0.312 Fourth

2155 MI Oscoda Non-metro 9.80% 22.90% 5.90% 31.20% 26.39 95.60% 0.00 0.00% 0.312 Fourth

2156 TX Hansford Non-metro 11.78% 39.20% 6.52% 38.80% 0.00 0.00% 0.00 0.00% 0.312 Fourth

2157 GA Chattooga Non-metro 10.19% 26.60% 6.67% 40.50% 0.00 0.00% 5.82 43.40% 0.312 Fourth

2158 AR Crittenden Memphis, TN-MS-AR MSA 13.20% 51.00% 5.46% 26.90% 0.00 0.00% 0.00 0.00% 0.312 Fourth

2159 IL Clay Non-metro 10.73% 30.80% 6.18% 34.50% 0.00 0.00% 7.72 50.20% 0.311 Fourth

2160 VA Northumberland Non-metro 12.59% 46.50% 5.90% 31.20% 0.00 0.00% 0.00 0.00% 0.311 Fourth

2161 MI Benzie Non-metro 8.32% 13.30% 4.62% 19.10% 15.08 93.50% 24.47 87.10% 0.310 Fourth

2162 GA Crawford Macon, GA MSA 13.05% 49.80% 5.51% 27.70% 0.00 0.00% 0.00 0.00% 0.310 Fourth

2163 MO Benton Non-metro 11.68% 38.40% 6.54% 39.10% 0.00 0.00% 0.00 0.00% 0.310 Fourth

2164 TX Marion Non-metro 9.82% 23.10% 6.65% 40.30% 0.00 0.00% 9.44 56.30% 0.310 Fourth

2165 OK Woodward Non-metro 12.44% 45.00% 5.05% 22.80% 0.00 0.00% 4.25 38.10% 0.309 Fourth

2166 GA Catoosa Chattanooga, TN-GA MSA 11.27% 35.40% 6.12% 33.70% 0.00 0.00% 2.08 32.10% 0.309 Fourth

2167 KY Cumberland Non-metro 8.79% 16.40% 4.55% 18.50% 15.41 93.50% 15.70 74.40% 0.308 Fourth

2168 OH Auglaize Non-metro 11.76% 38.90% 4.70% 19.60% 0.00 0.00% 15.35 73.50% 0.308 Fourth

2169 MO Reynolds Non-metro 12.75% 47.80% 5.61% 29.00% 0.00 0.00% 0.00 0.00% 0.307 Fourth

2170 OK Harper Non-metro 10.55% 29.60% 7.25% 47.10% 0.00 0.00% 0.00 0.00% 0.307 Fourth

72 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 73: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2171 OK Choctaw Non-metro 10.10% 25.60% 7.62% 51.10% 0.00 0.00% 0.00 0.00% 0.307 Fourth

2172 MN Wadena Non-metro 10.07% 25.20% 6.19% 34.50% 0.00 0.00% 13.08 67.80% 0.307 Fourth

2173 OK Craig Non-metro 9.06% 18.10% 5.32% 25.40% 8.85 90.00% 5.59 42.50% 0.307 Fourth

2174 NM Socorro Non-metro 11.61% 37.70% 6.53% 38.90% 0.00 0.00% 0.00 0.00% 0.306 Fourth

2175 VA Scott Kingsport-Bristol-Bristol, TN-VA MSA 11.15% 34.70% 6.80% 41.80% 0.00 0.00% 0.00 0.00% 0.306 Fourth

2176 MO Barton Non-metro 10.16% 26.10% 5.36% 25.90% 0.00 0.00% 50.80 97.60% 0.306 Fourth

2177 IA Poweshiek Non-metro 10.54% 29.50% 6.35% 36.60% 0.00 0.00% 4.97 40.60% 0.305 Fourth

2178 FL Escambia Pensacola-Ferry Pass-Brent, FL MSA 11.05% 33.70% 5.96% 32.00% 0.00 0.00% 4.87 40.30% 0.303 Fourth

2179 IA Henry Non-metro 11.93% 40.60% 5.25% 24.80% 0.00 0.00% 5.14 41.10% 0.303 Fourth

2180 TN Hawkins Kingsport-Bristol-Bristol, TN-VA MSA 10.79% 31.40% 6.05% 33.00% 0.00 0.00% 6.26 45.10% 0.303 Fourth

2181 OR Morrow Non-metro 10.33% 27.70% 7.29% 47.70% 0.00 0.00% 0.00 0.00% 0.302 Fourth

2182 AR Cross Non-metro 12.20% 43.30% 5.95% 32.00% 0.00 0.00% 0.00 0.00% 0.301 Fourth

2183 ND Pembina Non-metro 12.47% 45.30% 5.73% 30.00% 0.00 0.00% 0.00 0.00% 0.301 Fourth

2184 KY Green Non-metro 8.90% 17.10% 6.08% 33.40% 122.99 99.10% 0.00 0.00% 0.301 Fourth

2185 GA Emanuel Non-metro 11.60% 37.50% 5.48% 27.30% 0.00 0.00% 5.40 41.80% 0.301 Fourth

2186 IA Harrison Omaha-Council Bluffs, NE-IA MSA 10.61% 30.10% 6.17% 34.20% 0.00 0.00% 5.96 43.80% 0.301 Fourth

2187 NM San Miguel Non-metro 9.43% 20.70% 5.68% 29.60% 0.00 0.00% 85.71 99.30% 0.301 Fourth

2188 TX Stonewall Non-metro 13.37% 52.30% 5.04% 22.70% 0.00 0.00% 0.00 0.00% 0.300 Fourth

2189 AR Carroll Non-metro 9.57% 21.30% 6.36% 36.70% 0.00 0.00% 12.93 67.20% 0.299 Fourth

2190 NE Dakota Sioux City, IA-NE-SD MSA 11.32% 35.80% 5.48% 27.30% 0.00 0.00% 6.62 46.30% 0.299 Fourth

2191 OK Garfield Non-metro 12.08% 41.90% 5.25% 24.80% 0.00 0.00% 1.85 31.80% 0.299 Fourth

2192 GA Madison Athens-Clarke County, GA MSA 10.96% 33.10% 5.94% 31.90% 0.00 0.00% 4.40 38.50% 0.299 Fourth

2193 KY Nicholas Non-metro 8.32% 13.30% 6.39% 37.10% 37.11 96.90% 0.00 0.00% 0.299 Fourth

2194 MN Pennington Non-metro 10.30% 27.50% 5.14% 23.70% 0.00 0.00% 34.11 93.40% 0.298 Fourth

2195 KS Seward Non-metro 10.68% 30.50% 6.07% 33.30% 0.00 0.00% 5.68 42.80% 0.298 Fourth

2196 TN Roane Non-metro 10.06% 25.10% 6.56% 39.40% 0.00 0.00% 4.83 39.90% 0.298 Fourth

2197 IA Lee Non-metro 9.21% 18.90% 5.35% 25.80% 3.99 84.10% 3.09 34.50% 0.297 Fourth

2198 PA Potter Non-metro 11.03% 33.50% 5.20% 24.40% 0.00 0.00% 12.25 65.70% 0.297 Fourth

2199 VA Newport News Virginia Beach-Norfolk-Newport News, VA-NC MSA 10.10% 25.50% 6.05% 33.00% 0.00 0.00% 11.49 63.00% 0.297 Fourth

2200 KS Clark Non-metro 12.95% 49.10% 5.30% 25.10% 0.00 0.00% 0.00 0.00% 0.297 Fourth

2201 KY Carlisle Non-metro 10.71% 30.70% 4.66% 19.50% 0.00 0.00% 39.68 95.40% 0.296 Fourth

73 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 74: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2202 FL St. Lucie Port St. Lucie, FL MSA 9.05% 18.00% 5.19% 24.20% 0.42 75.00% 8.30 52.30% 0.296 Fourth

2203 IL Cumberland Non-metro 10.69% 30.60% 5.38% 26.20% 0.00 0.00% 13.04 67.60% 0.295 Fourth

2204 IA Clinton Non-metro 8.24% 12.70% 4.81% 20.90% 5.91 87.20% 15.06 73.00% 0.295 Fourth

2205 WY Big Horn Non-metro 9.08% 18.30% 5.82% 30.70% 0.00 0.00% 63.14 98.50% 0.295 Fourth

2206 KY Perry Non-metro 8.36% 13.70% 5.39% 26.40% 34.97 96.70% 4.04 37.20% 0.294 Fourth

2207 IN Franklin Cincinnati-Middletown, OH-KY-IN MSA 11.07% 34.00% 6.57% 39.50% 0.00 0.00% 0.00 0.00% 0.294 Fourth

2208 NV Mineral Non-metro 13.31% 51.80% 4.91% 21.70% 0.00 0.00% 0.00 0.00% 0.294 Fourth

2209 ND Wells Non-metro 9.85% 23.30% 5.92% 31.60% 0.00 0.00% 15.15 73.10% 0.293 Fourth

2210 VA Charlotte Non-metro 10.46% 28.70% 5.11% 23.20% 0.00 0.00% 22.50 85.00% 0.293 Fourth

2211 MT Phillips Non-metro 11.18% 34.90% 6.48% 38.20% 0.00 0.00% 0.00 0.00% 0.292 Fourth

2212 KY Boyd Huntington-Ashland, WV-KY-OH MSA 10.12% 25.90% 6.17% 34.20% 0.00 0.00% 8.15 51.50% 0.292 Fourth

2213 AR Prairie Non-metro 11.11% 34.40% 6.50% 38.50% 0.00 0.00% 0.00 0.00% 0.292 Fourth

2214 MS Jackson Pascagoula, MS MSA 9.96% 24.10% 6.43% 37.60% 0.00 0.00% 6.18 44.80% 0.292 Fourth

2215 FL Hernando Tampa-St. Petersburg-Clearwater, FL MSA 9.34% 20.10% 4.98% 22.10% 2.53 81.00% 5.38 41.70% 0.292 Fourth

2216 OH Hardin Non-metro 10.58% 29.90% 5.27% 25.00% 0.00 0.00% 14.16 70.90% 0.291 Fourth

2217 LA Allen Non-metro 7.36% 7.70% 5.44% 26.80% 7.93 89.30% 11.49 63.10% 0.290 Fourth

2218 MO Wright Non-metro 9.99% 24.50% 5.61% 29.00% 0.00 0.00% 16.84 76.40% 0.290 Fourth

2219 TX San Saba Non-metro 12.26% 43.70% 5.60% 28.90% 0.00 0.00% 0.00 0.00% 0.290 Fourth

2220 VA Giles Blacksburg-Christiansburg-Radford, VA MSA 11.58% 37.40% 6.24% 35.10% 0.00 0.00% 0.00 0.00% 0.290 Fourth

2221 AL Macon Non-metro 10.83% 31.80% 6.67% 40.50% 0.00 0.00% 0.00 0.00% 0.289 Fourth

2222 KY Ohio Non-metro 11.93% 40.70% 5.92% 31.60% 0.00 0.00% 0.00 0.00% 0.289 Fourth

2223 MO Dallas Springfield, MO MSA 10.90% 32.60% 5.48% 27.30% 0.00 0.00% 7.57 49.50% 0.289 Fourth

2224 AL Conecuh Non-metro 9.66% 21.80% 6.28% 35.70% 0.00 0.00% 10.17 58.60% 0.289 Fourth

2225 TX Uvalde Non-metro 11.00% 33.30% 5.59% 28.80% 0.00 0.00% 4.85 40.00% 0.288 Fourth

2226 SD Sully Non-metro 10.95% 32.90% 4.17% 14.70% 46.95 97.60% 0.00 0.00% 0.288 Fourth

2227 KY Estill Non-metro 11.27% 35.50% 6.32% 36.30% 0.00 0.00% 0.00 0.00% 0.287 Fourth

2228 VA Westmoreland Non-metro 10.61% 30.20% 6.78% 41.60% 0.00 0.00% 0.00 0.00% 0.287 Fourth

2229 NE Otoe Non-metro 10.39% 28.30% 5.52% 27.90% 0.00 0.00% 11.12 61.70% 0.287 Fourth

2230 OR Wallowa Non-metro 11.15% 34.70% 6.38% 36.90% 0.00 0.00% 0.00 0.00% 0.286 Fourth

2231 TX Lavaca Non-metro 12.08% 42.10% 5.67% 29.50% 0.00 0.00% 0.00 0.00% 0.286 Fourth

2232 MN Rock Non-metro 11.15% 34.60% 4.37% 16.70% 0.00 0.00% 19.57 81.00% 0.286 Fourth

74 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 75: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2233 AK Hoonah-Angoon Non-metro 11.18% 34.90% 6.35% 36.60% 0.00 0.00% 0.00 0.00% 0.286 Fourth

2234 SD Lyman Non-metro 8.65% 15.40% 8.10% 56.10% 0.00 0.00% 0.00 0.00% 0.286 Fourth

2235 KY Marshall Non-metro 11.58% 37.30% 4.18% 14.80% 0.00 0.00% 17.33 77.50% 0.286 Fourth

2236 KY Lawrence Non-metro 8.59% 15.00% 3.91% 12.80% 42.78 97.50% 17.18 77.20% 0.286 Fourth

2237 MS Amite Non-metro 11.25% 35.40% 3.76% 11.30% 0.00 0.00% 63.39 98.60% 0.285 Fourth

2238 KS Sheridan Non-metro 10.61% 30.10% 4.44% 17.50% 0.00 0.00% 37.88 94.90% 0.285 Fourth

2239 AR Poinsett Jonesboro, AR MSA 12.87% 48.60% 5.03% 22.60% 0.00 0.00% 0.00 0.00% 0.285 Fourth

2240 IL Adams Non-metro 11.12% 34.50% 6.36% 36.70% 0.00 0.00% 0.00 0.00% 0.285 Fourth

2241 FL Clay Jacksonville, FL MSA 10.01% 24.70% 6.00% 32.40% 0.00 0.00% 9.42 56.20% 0.285 Fourth

2242 AL Bibb Birmingham-Hoover, AL MSA 10.54% 29.50% 5.69% 29.80% 0.00 0.00% 6.80 46.80% 0.284 Fourth

2243 CO Washington Non-metro 10.99% 33.30% 6.44% 37.70% 0.00 0.00% 0.00 0.00% 0.284 Fourth

2244 NV White Pine Non-metro 11.58% 37.40% 6.10% 33.60% 0.00 0.00% 0.00 0.00% 0.284 Fourth

2245 OK Mayes Non-metro 9.06% 18.10% 4.76% 20.40% 32.82 96.40% 2.82 33.60% 0.284 Fourth

2246 CO Cheyenne Non-metro 9.80% 22.90% 7.33% 48.00% 0.00 0.00% 0.00 0.00% 0.284 Fourth

2247 OR Grant Non-metro 10.24% 27.10% 6.97% 43.80% 0.00 0.00% 0.00 0.00% 0.284 Fourth

2248 TN Putnam Non-metro 12.44% 45.00% 5.35% 25.80% 0.00 0.00% 0.00 0.00% 0.283 Fourth

2249 SD Ziebach Non-metro 12.50% 45.70% 0.00% 0.00% 1379.31 99.90% 0.00 0.00% 0.283 Fourth

2250 GA Telfair Non-metro 12.42% 44.90% 3.50% 9.10% 0.00 0.00% 12.55 66.40% 0.282 Fourth

2251 AL Chilton Birmingham-Hoover, AL MSA 11.48% 36.60% 5.32% 25.40% 0.00 0.00% 3.02 34.20% 0.282 Fourth

2252 MN Lac qui Parle Non-metro 10.17% 26.30% 7.01% 44.20% 0.00 0.00% 0.00 0.00% 0.282 Fourth

2253 MN Pope Non-metro 11.09% 34.20% 4.46% 17.70% 0.00 0.00% 15.63 74.20% 0.282 Fourth

2254 ND Grant Non-metro 10.96% 33.20% 6.40% 37.20% 0.00 0.00% 0.00 0.00% 0.282 Fourth

2255 MI Lake Non-metro 6.58% 4.70% 4.76% 20.40% 14.75 93.30% 24.81 87.60% 0.281 Fourth

2256 GA Lincoln Non-metro 12.61% 46.80% 5.13% 23.50% 0.00 0.00% 0.00 0.00% 0.281 Fourth

2257 TN Maury Non-metro 10.85% 32.00% 5.03% 22.60% 0.00 0.00% 11.44 62.80% 0.281 Fourth

2258 IL Christian Non-metro 10.93% 32.70% 5.57% 28.60% 0.00 0.00% 3.55 35.80% 0.281 Fourth

2259 NM Sierra Non-metro 10.62% 30.20% 5.30% 25.10% 0.00 0.00% 10.52 59.60% 0.281 Fourth

2260 MS Lauderdale Non-metro 10.48% 28.90% 6.00% 32.40% 0.00 0.00% 3.38 35.40% 0.281 Fourth

2261 TX Winkler Non-metro 11.05% 33.80% 6.32% 36.30% 0.00 0.00% 0.00 0.00% 0.280 Fourth

2262 KS Pawnee Non-metro 9.21% 19.00% 5.52% 27.90% 0.00 0.00% 32.31 92.60% 0.280 Fourth

2263 VA Buchanan Non-metro 11.66% 38.10% 3.54% 9.40% 8.90 90.10% 0.00 0.00% 0.280 Fourth

75 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 76: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2264 VA Franklin Non-metro 10.24% 27.10% 6.89% 42.90% 0.00 0.00% 0.00 0.00% 0.280 Fourth

2265 IA Clay Non-metro 10.62% 30.20% 5.31% 25.30% 0.00 0.00% 10.02 57.90% 0.280 Fourth

2266 WI Douglas Duluth, MN-WI MSA 9.53% 21.00% 4.34% 16.40% 40.04 97.20% 2.57 33.00% 0.280 Fourth

2267 AL Hale Tuscaloosa, AL MSA 11.41% 36.20% 6.12% 33.70% 0.00 0.00% 0.00 0.00% 0.280 Fourth

2268 KY Monroe Non-metro 11.10% 34.30% 6.27% 35.60% 0.00 0.00% 0.00 0.00% 0.280 Fourth

2269 TN Lincoln Non-metro 10.08% 25.30% 5.61% 29.00% 0.00 0.00% 11.28 62.20% 0.279 Fourth

2270 GA Oglethorpe Athens-Clarke County, GA MSA 10.78% 31.20% 4.57% 18.70% 0.00 0.00% 18.12 79.10% 0.279 Fourth

2271 NE Dawson Non-metro 10.84% 31.90% 5.55% 28.30% 0.00 0.00% 4.09 37.40% 0.278 Fourth

2272 LA Pointe Coupee Baton Rouge, LA MSA 9.67% 21.80% 4.29% 15.90% 11.01 91.80% 3.44 35.50% 0.278 Fourth

2273 MO Carter Non-metro 12.38% 44.50% 5.28% 25.00% 0.00 0.00% 0.00 0.00% 0.278 Fourth

2274 GA Elbert Non-metro 9.97% 24.10% 4.94% 21.90% 0.00 0.00% 35.44 93.90% 0.278 Fourth

2275 TN Anderson Knoxville, TN MSA 10.55% 29.60% 5.74% 30.10% 0.00 0.00% 4.51 39.00% 0.278 Fourth

2276 TN Lake Non-metro 10.50% 29.20% 6.64% 40.20% 0.00 0.00% 0.00 0.00% 0.278 Fourth

2277 TX Navarro Non-metro 10.52% 29.30% 5.74% 30.10% 0.00 0.00% 4.75 39.60% 0.277 Fourth

2278 IA Taylor Non-metro 10.42% 28.50% 4.54% 18.30% 0.00 0.00% 27.78 89.90% 0.277 Fourth

2279 AL Marengo Non-metro 9.98% 24.30% 7.07% 44.90% 0.00 0.00% 0.00 0.00% 0.277 Fourth

2280 AK Northwest Arctic Non-metro 10.49% 29.10% 6.63% 40.10% 0.00 0.00% 0.00 0.00% 0.277 Fourth

2281 FL Volusia Deltona-Daytona Beach-Ormond Beach, FL MSA 10.03% 24.80% 6.09% 33.50% 0.00 0.00% 5.91 43.50% 0.277 Fourth

2282 MS Winston Non-metro 9.69% 21.90% 5.22% 24.60% 0.00 0.00% 28.16 90.30% 0.276 Fourth

2283 MN Wabasha Rochester, MN MSA 10.17% 26.30% 5.68% 29.60% 0.00 0.00% 8.31 52.40% 0.276 Fourth

2284 NM Grant Non-metro 10.39% 28.30% 5.88% 31.00% 0.00 0.00% 4.44 38.60% 0.276 Fourth

2285 CO Rio Blanco Non-metro 11.28% 35.70% 6.05% 33.00% 0.00 0.00% 0.00 0.00% 0.275 Fourth

2286 MS Hancock Gulfport-Biloxi, MS MSA 9.76% 22.40% 6.37% 36.80% 0.00 0.00% 4.21 38.00% 0.275 Fourth

2287 FL Charlotte Punta Gorda, FL MSA 10.39% 28.20% 5.57% 28.60% 0.00 0.00% 6.93 47.40% 0.275 Fourth

2288 MD Allegany Cumberland, MD-WV MSA 9.71% 22.00% 5.39% 26.40% 0.00 0.00% 19.26 80.60% 0.274 Fourth

2289 GA Murray Dalton, GA MSA 10.28% 27.30% 4.96% 22.00% 0.00 0.00% 16.93 76.80% 0.274 Fourth

2290 KY Harrison Non-metro 9.99% 24.50% 4.89% 21.50% 7.89 89.30% 0.00 0.00% 0.273 Fourth

2291 KS Saline Non-metro 11.09% 34.10% 4.94% 21.90% 0.00 0.00% 7.33 48.70% 0.273 Fourth

2292 ND LaMoure Non-metro 7.97% 11.10% 6.48% 38.20% 0.00 0.00% 16.26 75.50% 0.273 Fourth

2293 KY Clay Non-metro 9.20% 18.90% 7.48% 49.20% 0.00 0.00% 0.00 0.00% 0.272 Fourth

2294 FL Citrus Non-metro 10.39% 28.20% 5.93% 31.70% 0.00 0.00% 2.37 32.70% 0.272 Fourth

76 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 77: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2295 FL Holmes Non-metro 11.87% 40.20% 5.51% 27.70% 0.00 0.00% 0.00 0.00% 0.272 Fourth

2296 MO Chariton Non-metro 10.20% 26.70% 6.74% 41.20% 0.00 0.00% 0.00 0.00% 0.272 Fourth

2297 GA McIntosh Brunswick, GA MSA 10.47% 28.70% 5.14% 23.70% 0.00 0.00% 11.14 61.80% 0.271 Fourth

2298 CO Alamosa Non-metro 10.59% 30.00% 5.48% 27.30% 0.00 0.00% 5.46 42.10% 0.271 Fourth

2299 TX McCulloch Non-metro 10.29% 27.50% 4.39% 17.00% 11.92 92.10% 0.00 0.00% 0.270 Fourth

2300 LA West Baton Rouge Baton Rouge, LA MSA 9.25% 19.40% 4.45% 17.70% 5.67 86.90% 3.02 34.20% 0.270 Fourth

2301 MN Faribault Non-metro 8.98% 17.70% 5.47% 27.10% 0.00 0.00% 28.07 90.20% 0.269 Fourth

2302 SC Chester Non-metro 10.51% 29.20% 5.23% 24.60% 0.00 0.00% 8.76 54.10% 0.269 Fourth

2303 GA Pike Atlanta-Sandy Springs-Marietta, GA MSA 12.00% 41.20% 5.37% 26.10% 0.00 0.00% 0.00 0.00% 0.269 Fourth

2304 MI Iosco Non-metro 10.78% 31.20% 6.29% 35.80% 0.00 0.00% 0.00 0.00% 0.268 Fourth

2305 AL Cullman Non-metro 11.54% 37.00% 4.83% 21.10% 0.00 0.00% 3.06 34.40% 0.267 Fourth

2306 KY Bath Non-metro 8.51% 14.40% 4.05% 14.00% 11.38 92.00% 10.91 60.80% 0.266 Fourth

2307 IA Appanoose Non-metro 9.22% 19.10% 5.67% 29.50% 0.00 0.00% 14.52 71.70% 0.266 Fourth

2308 MI St. Joseph Non-metro 10.24% 27.00% 5.54% 28.20% 0.00 0.00% 6.20 44.90% 0.266 Fourth

2309 IN Miami Non-metro 10.59% 30.00% 6.33% 36.40% 0.00 0.00% 0.00 0.00% 0.266 Fourth

2310 CO Fremont Non-metro 10.45% 28.60% 6.44% 37.70% 0.00 0.00% 0.00 0.00% 0.265 Fourth

2311 TX Rains Non-metro 10.85% 32.10% 6.17% 34.20% 0.00 0.00% 0.00 0.00% 0.265 Fourth

2312 GA Hancock Non-metro 9.88% 23.50% 6.88% 42.70% 0.00 0.00% 0.00 0.00% 0.265 Fourth

2313 TX Morris Non-metro 10.48% 29.00% 4.06% 14.10% 10.91 91.70% 0.00 0.00% 0.264 Fourth

2314 LA Tangipahoa Non-metro 8.63% 15.30% 4.89% 21.50% 0.98 76.60% 4.44 38.70% 0.263 Fourth

2315 MS Union Non-metro 10.77% 31.10% 6.18% 34.50% 0.00 0.00% 0.00 0.00% 0.262 Fourth

2316 FL Osceola Orlando-Kissimmee-Sanford, FL MSA 8.24% 12.60% 4.80% 20.80% 3.79 83.60% 6.17 44.80% 0.262 Fourth

2317 AL Chambers Non-metro 9.64% 21.60% 5.18% 24.10% 0.00 0.00% 18.03 78.90% 0.262 Fourth

2318 CO Conejos Non-metro 11.31% 35.80% 5.68% 29.60% 0.00 0.00% 0.00 0.00% 0.262 Fourth

2319 KY Pulaski Non-metro 8.48% 14.30% 4.03% 13.70% 55.50 98.00% 8.14 51.40% 0.261 Fourth

2320 IA Madison Des Moines-West Des Moines, IA MSA 10.37% 28.00% 4.27% 15.80% 0.00 0.00% 23.43 85.90% 0.261 Fourth

2321 IN Crawford Non-metro 10.44% 28.50% 6.36% 36.70% 0.00 0.00% 0.00 0.00% 0.261 Fourth

2322 KY Henry Louisville/Jefferson County, KY-IN MSA 9.99% 24.40% 5.59% 28.80% 0.00 0.00% 7.03 47.70% 0.261 Fourth

2323 FL Madison Non-metro 11.68% 38.40% 5.43% 26.70% 0.00 0.00% 0.00 0.00% 0.260 Fourth

2324 AK North Slope Non-metro 9.24% 19.30% 5.10% 23.20% 0.00 0.00% 27.17 89.30% 0.259 Fourth

2325 GA Charlton Non-metro 12.56% 46.20% 4.56% 18.60% 0.00 0.00% 0.00 0.00% 0.259 Fourth

77 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 78: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2326 TX Reagan Non-metro 11.70% 38.60% 5.38% 26.20% 0.00 0.00% 0.00 0.00% 0.259 Fourth

2327 AL Crenshaw Non-metro 11.46% 36.40% 4.26% 15.60% 0.00 0.00% 8.01 50.90% 0.259 Fourth

2328 IA Muscatine Non-metro 9.85% 23.30% 5.86% 30.90% 0.00 0.00% 5.47 42.10% 0.259 Fourth

2329 AR Hempstead Non-metro 10.40% 28.40% 6.32% 36.30% 0.00 0.00% 0.00 0.00% 0.259 Fourth

2330 MS Warren Non-metro 9.22% 19.10% 6.26% 35.30% 0.00 0.00% 5.12 41.00% 0.259 Fourth

2331 TX Concho Non-metro 11.76% 39.00% 5.34% 25.60% 0.00 0.00% 0.00 0.00% 0.258 Fourth

2332 CO Custer Non-metro 9.73% 22.10% 4.75% 20.20% 0.00 0.00% 25.28 88.00% 0.257 Fourth

2333 GA Jenkins Non-metro 10.23% 26.90% 6.42% 37.40% 0.00 0.00% 0.00 0.00% 0.257 Fourth

2334 IA Dickinson Non-metro 10.39% 28.20% 4.42% 17.30% 0.00 0.00% 16.05 75.00% 0.257 Fourth

2335 OK Coal Non-metro 10.44% 28.60% 6.27% 35.60% 0.00 0.00% 0.00 0.00% 0.257 Fourth

2336 NE Wayne Non-metro 9.41% 20.60% 4.68% 19.60% 0.00 0.00% 41.37 95.90% 0.257 Fourth

2337 WI Vernon Non-metro 10.80% 31.50% 4.34% 16.40% 0.00 0.00% 11.91 64.70% 0.256 Fourth

2338 AL Greene Tuscaloosa, AL MSA 9.67% 21.90% 6.82% 42.10% 0.00 0.00% 0.00 0.00% 0.256 Fourth

2339 OH Gallia Non-metro 8.83% 16.60% 6.13% 33.90% 0.00 0.00% 8.66 53.70% 0.256 Fourth

2340 GA Putnam Non-metro 10.16% 26.20% 6.44% 37.70% 0.00 0.00% 0.00 0.00% 0.256 Fourth

2341 MO Lawrence Non-metro 10.20% 26.70% 4.76% 20.40% 0.00 0.00% 12.71 66.70% 0.255 Fourth

2342 GA Talbot Non-metro 11.20% 35.00% 5.58% 28.70% 0.00 0.00% 0.00 0.00% 0.255 Fourth

2343 IA Osceola Non-metro 9.82% 23.10% 5.09% 23.10% 0.00 0.00% 13.64 69.80% 0.255 Fourth

2344 FL Taylor Non-metro 10.72% 30.70% 6.02% 32.70% 0.00 0.00% 0.00 0.00% 0.254 Fourth

2345 GA Clayton Atlanta-Sandy Springs-Marietta, GA MSA 7.67% 9.10% 4.74% 20.10% 3.08 82.40% 8.80 54.30% 0.254 Fourth

2346 WI Richland Non-metro 8.30% 13.00% 4.48% 18.00% 6.98 88.50% 5.06 40.90% 0.253 Fourth

2347 WY Platte Non-metro 9.27% 19.60% 5.78% 30.30% 0.00 0.00% 8.67 53.80% 0.253 Fourth

2348 IN Starke Non-metro 10.08% 25.20% 4.54% 18.30% 0.00 0.00% 17.79 78.50% 0.253 Fourth

2349 NM Luna Non-metro 9.26% 19.50% 5.93% 31.70% 0.00 0.00% 7.01 47.70% 0.253 Fourth

2350 AL Dallas Non-metro 10.86% 32.10% 5.89% 31.00% 0.00 0.00% 0.00 0.00% 0.252 Fourth

2351 OK Pawnee Tulsa, OK MSA 9.01% 17.80% 5.36% 25.90% 0.00 0.00% 16.99 76.90% 0.252 Fourth

2352 TN McNairy Non-metro 10.15% 26.00% 6.38% 36.90% 0.00 0.00% 0.00 0.00% 0.252 Fourth

2353 WY Washakie Non-metro 9.81% 23.00% 5.45% 26.90% 0.00 0.00% 8.24 51.90% 0.252 Fourth

2354 KY Knott Non-metro 8.39% 14.00% 5.29% 25.10% 23.17 95.10% 0.00 0.00% 0.252 Fourth

2355 TX Culberson Non-metro 5.68% 2.60% 6.25% 35.20% 0.00 0.00% 170.45 99.90% 0.251 Fourth

2356 IN Fountain Non-metro 10.18% 26.50% 6.31% 36.10% 0.00 0.00% 0.00 0.00% 0.250 Fourth

78 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 79: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2357 IN Jefferson Non-metro 9.78% 22.60% 5.84% 30.80% 0.00 0.00% 3.80 36.50% 0.250 Fourth

2358 IA Hardin Non-metro 10.36% 27.90% 6.20% 34.60% 0.00 0.00% 0.00 0.00% 0.250 Fourth

2359 VA Botetourt Roanoke, VA MSA 9.97% 24.20% 5.47% 27.10% 0.00 0.00% 6.15 44.70% 0.250 Fourth

2360 CO Crowley Non-metro 10.77% 31.00% 5.91% 31.40% 0.00 0.00% 0.00 0.00% 0.250 Fourth

2361 IL Morgan Non-metro 10.36% 27.90% 5.33% 25.60% 0.00 0.00% 3.42 35.50% 0.250 Fourth

2362 NM Quay Non-metro 11.74% 38.80% 5.13% 23.50% 0.00 0.00% 0.00 0.00% 0.249 Fourth

2363 MN Renville Non-metro 9.37% 20.40% 4.74% 20.10% 0.00 0.00% 24.18 86.70% 0.249 Fourth

2364 FL Marion Ocala, FL MSA 10.22% 26.80% 5.42% 26.60% 0.00 0.00% 3.27 35.00% 0.249 Fourth

2365 TX Titus Non-metro 8.60% 15.10% 4.34% 16.40% 5.23 86.30% 3.71 36.30% 0.249 Fourth

2366 KY Webster Evansville, IN-KY MSA 10.81% 31.60% 3.03% 6.00% 62.74 98.10% 0.00 0.00% 0.249 Fourth

2367 IA Franklin Non-metro 10.75% 30.90% 5.90% 31.20% 0.00 0.00% 0.00 0.00% 0.248 Fourth

2368 ND Mercer Non-metro 9.33% 20.00% 5.54% 28.20% 0.00 0.00% 9.06 55.10% 0.248 Fourth

2369 KY Magoffin Non-metro 9.13% 18.50% 4.67% 19.50% 27.62 95.80% 0.00 0.00% 0.248 Fourth

2370 ND Bottineau Non-metro 9.29% 19.60% 5.52% 27.90% 0.00 0.00% 9.88 57.50% 0.248 Fourth

2371 LA Acadia Non-metro 10.64% 30.30% 5.11% 23.20% 0.00 0.00% 2.70 33.30% 0.247 Fourth

2372 FL Polk Lakeland-Winter Haven, FL MSA 10.19% 26.60% 5.24% 24.70% 0.00 0.00% 5.43 41.90% 0.247 Fourth

2373 LA Vermilion Non-metro 10.52% 29.30% 4.59% 18.90% 0.00 0.00% 8.78 54.20% 0.247 Fourth

2374 MI Sanilac Non-metro 10.59% 30.00% 4.37% 16.70% 0.00 0.00% 10.64 60.10% 0.247 Fourth

2375 VA Greensville Non-metro 10.28% 27.40% 6.17% 34.20% 0.00 0.00% 0.00 0.00% 0.246 Fourth

2376 WI Jackson Non-metro 11.39% 36.10% 4.03% 13.70% 0.00 0.00% 6.86 47.10% 0.246 Fourth

2377 SD Bennett Non-metro 9.64% 21.60% 4.21% 15.00% 0.00 0.00% 107.14 99.70% 0.246 Fourth

2378 MO Osage Jefferson City, MO MSA 10.01% 24.70% 4.07% 14.20% 9.29 90.40% 0.00 0.00% 0.246 Fourth

2379 AL Covington Non-metro 9.99% 24.40% 5.37% 26.10% 0.00 0.00% 5.76 43.20% 0.245 Fourth

2380 MI Branch Non-metro 9.65% 21.70% 5.40% 26.40% 0.00 0.00% 8.37 52.80% 0.245 Fourth

2381 TN Perry Non-metro 9.84% 23.30% 6.47% 38.00% 0.00 0.00% 0.00 0.00% 0.245 Fourth

2382 OH Coshocton Non-metro 10.21% 26.70% 4.30% 16.10% 0.00 0.00% 15.41 73.70% 0.245 Fourth

2383 MO Sullivan Non-metro 7.72% 9.50% 5.49% 27.50% 0.00 0.00% 44.51 96.70% 0.245 Fourth

2384 VA Greene Charlottesville, VA MSA 11.30% 35.70% 5.32% 25.40% 0.00 0.00% 0.00 0.00% 0.244 Fourth

2385 TN Cocke Non-metro 10.10% 25.40% 5.37% 26.10% 0.00 0.00% 4.33 38.30% 0.244 Fourth

2386 LA Assumption Non-metro 9.38% 20.50% 5.86% 30.90% 0.00 0.00% 4.17 37.80% 0.243 Fourth

2387 VA Hampton Virginia Beach-Norfolk-Newport News, VA-NC MSA 9.80% 22.80% 5.60% 28.90% 0.00 0.00% 3.78 36.40% 0.243 Fourth

79 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 80: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2388 GA Morgan Non-metro 9.92% 23.90% 6.37% 36.80% 0.00 0.00% 0.00 0.00% 0.243 Fourth

2389 MS Tallahatchie Non-metro 9.08% 18.30% 6.84% 42.40% 0.00 0.00% 0.00 0.00% 0.243 Fourth

2390 TX Bosque Non-metro 11.06% 33.90% 5.43% 26.70% 0.00 0.00% 0.00 0.00% 0.242 Fourth

2391 OH Hocking Non-metro 9.24% 19.30% 5.18% 24.10% 0.00 0.00% 13.33 68.70% 0.242 Fourth

2392 TX Swisher Non-metro 10.36% 27.90% 6.01% 32.60% 0.00 0.00% 0.00 0.00% 0.242 Fourth

2393 TN Monroe Non-metro 10.24% 27.00% 5.25% 24.80% 0.00 0.00% 3.06 34.30% 0.242 Fourth

2394 SD McCook Sioux Falls, SD MSA 11.66% 38.10% 4.98% 22.10% 0.00 0.00% 0.00 0.00% 0.241 Fourth

2395 TN Polk Cleveland, TN MSA 9.36% 20.30% 5.38% 26.20% 0.00 0.00% 8.83 54.50% 0.241 Fourth

2396 WV Putnam Charleston, WV MSA 8.34% 13.60% 6.03% 32.90% 0.00 0.00% 8.73 54.10% 0.240 Fourth

2397 AL Butler Non-metro 9.89% 23.70% 5.41% 26.50% 0.00 0.00% 4.48 38.90% 0.240 Fourth

2398 MO St. Clair Non-metro 9.38% 20.50% 6.56% 39.40% 0.00 0.00% 0.00 0.00% 0.240 Fourth

2399 KY Lyon Non-metro 9.27% 19.50% 4.36% 16.60% 0.00 0.00% 36.59 94.60% 0.239 Fourth

2400 MS Webster Non-metro 8.89% 17.10% 6.87% 42.60% 0.00 0.00% 0.00 0.00% 0.239 Fourth

2401 WV Fayette Non-metro 9.22% 19.20% 5.49% 27.50% 0.00 0.00% 8.25 52.00% 0.239 Fourth

2402 SC Darlington Florence, SC MSA 11.66% 38.10% 4.89% 21.50% 0.00 0.00% 0.00 0.00% 0.238 Fourth

2403 SC Chesterfield Non-metro 12.20% 43.30% 4.31% 16.10% 0.00 0.00% 0.00 0.00% 0.238 Fourth

2404 LA St. John the Baptist New Orleans-Metairie-Kenner, LA MSA 6.84% 5.50% 4.81% 20.90% 10.40 91.10% 4.87 40.30% 0.237 Fourth

2405 IL Saline Non-metro 10.22% 26.80% 4.18% 14.80% 0.00 0.00% 14.01 70.60% 0.237 Fourth

2406 MS Alcorn Non-metro 9.81% 23.00% 5.53% 28.10% 0.00 0.00% 2.25 32.30% 0.237 Fourth

2407 MT Blaine Non-metro 10.28% 27.40% 5.93% 31.70% 0.00 0.00% 0.00 0.00% 0.236 Fourth

2408 ND McHenry Non-metro 9.62% 21.50% 6.42% 37.40% 0.00 0.00% 0.00 0.00% 0.236 Fourth

2409 CO Las Animas Non-metro 9.31% 19.70% 5.06% 22.90% 0.00 0.00% 12.02 65.00% 0.235 Fourth

2410 AL Sumter Non-metro 9.58% 21.40% 6.42% 37.40% 0.00 0.00% 0.00 0.00% 0.235 Fourth

2411 GA Washington Non-metro 9.79% 22.70% 6.31% 36.10% 0.00 0.00% 0.00 0.00% 0.235 Fourth

2412 LA St. Mary Non-metro 9.05% 18.00% 6.03% 32.90% 0.00 0.00% 1.19 31.40% 0.235 Fourth

2413 AR Miller Texarkana, TX-TEXARKANA, AR MSA 10.16% 26.00% 5.02% 22.50% 0.00 0.00% 5.03 40.80% 0.235 Fourth

2414 NE Howard Non-metro 8.10% 11.80% 5.23% 24.60% 0.00 0.00% 25.32 88.10% 0.234 Fourth

2415 NE Pierce Non-metro 9.26% 19.40% 5.13% 23.50% 0.00 0.00% 11.16 61.90% 0.234 Fourth

2416 IA Worth Non-metro 10.00% 24.60% 6.12% 33.70% 0.00 0.00% 0.00 0.00% 0.233 Fourth

2417 FL Levy Non-metro 10.52% 29.40% 5.59% 28.80% 0.00 0.00% 0.00 0.00% 0.233 Fourth

2418 SC Laurens Greenville-Mauldin-Easley, SC MSA 10.34% 27.70% 4.78% 20.60% 0.00 0.00% 4.76 39.60% 0.233 Fourth

80 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 81: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2419 AZ Apache Non-metro 10.65% 30.30% 4.01% 13.50% 0.00 0.00% 9.86 57.40% 0.233 Fourth

2420 IA Jones Cedar Rapids, IA MSA 9.43% 20.70% 5.09% 23.10% 0.00 0.00% 9.82 57.30% 0.233 Fourth

2421 TX Montague Non-metro 11.46% 36.50% 4.90% 21.60% 0.00 0.00% 0.00 0.00% 0.232 Fourth

2422 KY Christian Clarksville, TN-KY MSA 8.30% 13.00% 4.01% 13.50% 5.08 86.10% 4.81 39.80% 0.232 Fourth

2423 SD McPherson Non-metro 9.15% 18.50% 4.15% 14.60% 192.31 99.30% 0.00 0.00% 0.232 Fourth

2424 KS Ford Non-metro 10.79% 31.30% 4.39% 17.00% 0.00 0.00% 4.25 38.20% 0.231 Fourth

2425 MO New Madrid Non-metro 11.60% 37.60% 4.75% 20.20% 0.00 0.00% 0.00 0.00% 0.231 Fourth

2426 TX Pecos Non-metro 9.74% 22.20% 4.19% 14.90% 0.00 0.00% 20.08 81.60% 0.230 Fourth

2427 MS Pontotoc Non-metro 10.40% 28.40% 5.62% 29.10% 0.00 0.00% 0.00 0.00% 0.230 Fourth

2428 ND Emmons Non-metro 9.87% 23.40% 6.15% 34.00% 0.00 0.00% 0.00 0.00% 0.230 Fourth

2429 GA Twiggs Macon, GA MSA 9.74% 22.20% 6.24% 35.10% 0.00 0.00% 0.00 0.00% 0.229 Fourth

2430 OK Dewey Non-metro 10.87% 32.30% 5.28% 25.00% 0.00 0.00% 0.00 0.00% 0.229 Fourth

2431 GA Early Non-metro 10.81% 31.70% 5.32% 25.40% 0.00 0.00% 0.00 0.00% 0.228 Fourth

2432 KS McPherson Non-metro 10.08% 25.20% 4.74% 20.10% 0.00 0.00% 6.81 46.80% 0.228 Fourth

2433 IN Ripley Non-metro 11.12% 34.50% 5.02% 22.50% 0.00 0.00% 0.00 0.00% 0.228 Fourth

2434 SC Marion Non-metro 9.51% 20.90% 4.84% 21.20% 0.00 0.00% 10.45 59.40% 0.228 Fourth

2435 IL Pike Non-metro 8.79% 16.40% 5.57% 28.60% 0.00 0.00% 7.03 47.70% 0.228 Fourth

2436 KY Harlan Non-metro 7.85% 10.30% 4.94% 21.90% 105.20 98.80% 0.00 0.00% 0.228 Fourth

2437 MS Itawamba Non-metro 10.12% 25.90% 5.89% 31.00% 0.00 0.00% 0.00 0.00% 0.228 Fourth

2438 TN Chester Jackson, TN MSA 10.57% 29.80% 5.47% 27.10% 0.00 0.00% 0.00 0.00% 0.228 Fourth

2439 TN Cumberland Non-metro 9.61% 21.50% 5.48% 27.30% 0.00 0.00% 1.91 31.90% 0.227 Fourth

2440 LA Richland Non-metro 8.33% 13.40% 6.93% 43.30% 0.00 0.00% 0.00 0.00% 0.227 Fourth

2441 GA Laurens Non-metro 9.05% 18.00% 5.64% 29.20% 0.00 0.00% 4.21 38.00% 0.227 Fourth

2442 WI Rusk Non-metro 9.74% 22.20% 4.90% 21.60% 0.00 0.00% 8.05 51.00% 0.226 Fourth

2443 LA Webster Non-metro 7.00% 5.90% 4.01% 13.50% 3.22 82.50% 12.37 66.00% 0.226 Fourth

2444 NE Frontier Non-metro 10.16% 26.10% 2.96% 5.50% 0.00 0.00% 98.36 99.60% 0.226 Fourth

2445 FL Liberty Non-metro 11.07% 34.00% 5.01% 22.40% 0.00 0.00% 0.00 0.00% 0.226 Fourth

2446 MI Ontonagon Non-metro 7.88% 10.40% 5.01% 22.40% 19.31 94.40% 0.00 0.00% 0.226 Fourth

2447 MO DeKalb St. Joseph, MO-KS MSA 9.27% 19.60% 4.98% 22.10% 0.00 0.00% 10.18 58.70% 0.226 Fourth

2448 TX Runnels Non-metro 9.29% 19.70% 4.99% 22.30% 0.00 0.00% 9.20 55.40% 0.223 Fourth

2449 GA Spalding Atlanta-Sandy Springs-Marietta, GA MSA 9.75% 22.30% 5.13% 23.50% 0.00 0.00% 4.85 40.10% 0.223 Fourth

81 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 82: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2450 FL Washington Non-metro 11.08% 34.00% 4.93% 21.80% 0.00 0.00% 0.00 0.00% 0.223 Fourth

2451 GA Webster Non-metro 12.78% 47.90% 3.30% 7.70% 0.00 0.00% 0.00 0.00% 0.222 Fourth

2452 AL DeKalb Non-metro 10.04% 24.90% 4.56% 18.60% 0.00 0.00% 7.21 48.30% 0.222 Fourth

2453 GA Dade Chattanooga, TN-GA MSA 10.36% 27.80% 4.21% 15.00% 0.00 0.00% 8.10 51.10% 0.222 Fourth

2454 TX Sutton Non-metro 9.64% 21.60% 3.96% 13.10% 0.00 0.00% 20.96 83.00% 0.222 Fourth

2455 MS Lawrence Non-metro 8.02% 11.60% 4.67% 19.50% 0.00 0.00% 49.23 97.30% 0.222 Fourth

2456 KS Montgomery Non-metro 9.80% 22.80% 5.15% 23.80% 0.00 0.00% 3.26 34.90% 0.221 Fourth

2457 CO Rio Grande Non-metro 9.91% 23.70% 4.17% 14.70% 0.00 0.00% 13.04 67.60% 0.221 Fourth

2458 AL Blount Birmingham-Hoover, AL MSA 9.98% 24.20% 4.35% 16.50% 0.00 0.00% 10.10 58.20% 0.221 Fourth

2459 SC Dillon Non-metro 10.00% 24.60% 5.81% 30.60% 0.00 0.00% 0.00 0.00% 0.221 Fourth

2460 SC Saluda Columbia, SC MSA 10.06% 25.10% 5.73% 30.00% 0.00 0.00% 0.00 0.00% 0.220 Fourth

2461 IN Harrison Louisville/Jefferson County, KY-IN MSA 10.26% 27.20% 4.61% 19.00% 0.00 0.00% 3.32 35.20% 0.220 Fourth

2462 KS Reno Non-metro 10.18% 26.50% 4.35% 16.50% 0.00 0.00% 6.99 47.60% 0.220 Fourth

2463 NE Richardson Non-metro 7.28% 7.30% 2.78% 4.40% 12.80 92.80% 18.66 79.90% 0.220 Fourth

2464 MI Hillsdale Non-metro 9.33% 20.00% 4.46% 17.70% 0.00 0.00% 13.29 68.50% 0.219 Fourth

2465 GA Terrell Albany, GA MSA 9.43% 20.70% 3.89% 12.60% 0.00 0.00% 23.58 86.00% 0.219 Fourth

2466 TN White Non-metro 10.10% 25.60% 5.64% 29.20% 0.00 0.00% 0.00 0.00% 0.219 Fourth

2467 FL Columbia Non-metro 10.03% 24.80% 4.87% 21.40% 0.00 0.00% 3.03 34.30% 0.219 Fourth

2468 AR Lee Non-metro 9.54% 21.20% 6.09% 33.50% 0.00 0.00% 0.00 0.00% 0.219 Fourth

2469 AR St. Francis Non-metro 10.96% 33.00% 3.68% 10.80% 0.00 0.00% 5.80 43.40% 0.219 Fourth

2470 MO Macon Non-metro 9.25% 19.40% 5.19% 24.20% 0.00 0.00% 5.93 43.70% 0.218 Fourth

2471 KY Lincoln Non-metro 7.21% 6.80% 2.91% 5.20% 15.80 93.70% 16.50 75.90% 0.218 Fourth

2472 ND Benson Non-metro 10.74% 30.90% 5.13% 23.50% 0.00 0.00% 0.00 0.00% 0.218 Fourth

2473 FL Glades Non-metro 10.04% 24.90% 5.66% 29.40% 0.00 0.00% 0.00 0.00% 0.217 Fourth

2474 NE Thurston Non-metro 10.09% 25.40% 2.83% 4.60% 0.00 0.00% 45.87 96.90% 0.217 Fourth

2475 MS Carroll Non-metro 9.34% 20.10% 6.16% 34.10% 0.00 0.00% 0.00 0.00% 0.217 Fourth

2476 IN Lawrence Non-metro 10.16% 26.10% 4.71% 19.80% 0.00 0.00% 2.59 33.00% 0.217 Fourth

2477 UT Piute Non-metro 12.50% 45.70% 3.37% 8.40% 0.00 0.00% 0.00 0.00% 0.216 Fourth

2478 AR Woodruff Non-metro 10.10% 25.50% 5.57% 28.60% 0.00 0.00% 0.00 0.00% 0.216 Fourth

2479 IL McDonough Non-metro 8.51% 14.50% 5.40% 26.40% 0.00 0.00% 8.34 52.60% 0.216 Fourth

2480 AR Greene Non-metro 10.52% 29.40% 5.21% 24.50% 0.00 0.00% 0.00 0.00% 0.216 Fourth

82 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 83: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2481 KS Mitchell Non-metro 10.21% 26.80% 5.47% 27.10% 0.00 0.00% 0.00 0.00% 0.216 Fourth

2482 IA Cass Non-metro 9.31% 19.80% 5.13% 23.50% 0.00 0.00% 5.44 42.00% 0.215 Fourth

2483 IN Warren Non-metro 11.13% 34.60% 4.63% 19.20% 0.00 0.00% 0.00 0.00% 0.215 Fourth

2484 KY Wolfe Non-metro 7.04% 6.20% 5.79% 30.40% 0.00 0.00% 13.28 68.40% 0.215 Fourth

2485 KS Lyon Non-metro 8.81% 16.50% 4.86% 21.30% 0.00 0.00% 11.64 63.50% 0.215 Fourth

2486 NE York Non-metro 9.88% 23.50% 4.61% 19.00% 0.00 0.00% 6.13 44.50% 0.215 Fourth

2487 GA Walker Chattanooga, TN-GA MSA 9.80% 22.80% 5.04% 22.70% 0.00 0.00% 2.24 32.30% 0.214 Fourth

2488 GA Glascock Non-metro 10.88% 32.40% 4.83% 21.10% 0.00 0.00% 0.00 0.00% 0.214 Fourth

2489 IL Mercer Davenport-Moline-Rock Island, IA-IL MSA 9.45% 20.80% 6.02% 32.70% 0.00 0.00% 0.00 0.00% 0.214 Fourth

2490 SD Deuel Non-metro 9.03% 17.90% 6.27% 35.60% 0.00 0.00% 0.00 0.00% 0.214 Fourth

2491 TN Tipton Memphis, TN-MS-AR MSA 9.88% 23.60% 5.71% 29.90% 0.00 0.00% 0.00 0.00% 0.214 Fourth

2492 AR Columbia Non-metro 9.79% 22.70% 5.83% 30.70% 0.00 0.00% 0.00 0.00% 0.214 Fourth

2493 MN Martin Non-metro 9.36% 20.30% 3.85% 12.20% 0.00 0.00% 21.19 83.50% 0.214 Fourth

2494 AR Little River Non-metro 9.77% 22.50% 3.75% 11.30% 0.00 0.00% 17.61 78.00% 0.213 Fourth

2495 CO Moffat Non-metro 10.09% 25.40% 5.52% 27.90% 0.00 0.00% 0.00 0.00% 0.213 Fourth

2496 IN Owen Bloomington, IN MSA 10.56% 29.70% 3.83% 12.00% 0.00 0.00% 6.52 46.00% 0.213 Fourth

2497 ID Clark Non-metro 9.84% 23.20% 5.71% 29.90% 0.00 0.00% 0.00 0.00% 0.212 Fourth

2498 KY Bell Non-metro 6.01% 3.30% 3.49% 9.00% 44.89 97.50% 12.14 65.30% 0.212 Fourth

2499 TN Hamblen Morristown, TN MSA 10.08% 25.30% 4.52% 18.20% 0.00 0.00% 4.11 37.40% 0.211 Fourth

2500 MO Monroe Non-metro 7.86% 10.40% 4.79% 20.70% 0.00 0.00% 24.18 86.70% 0.211 Fourth

2501 AR Sharp Non-metro 9.88% 23.50% 4.49% 18.00% 0.00 0.00% 6.13 44.50% 0.211 Fourth

2502 TN Bedford Non-metro 10.17% 26.30% 4.47% 17.80% 0.00 0.00% 2.88 33.80% 0.210 Fourth

2503 SD Aurora Non-metro 6.58% 4.80% 5.05% 22.80% 0.00 0.00% 52.63 97.80% 0.208 Fourth

2504 IL Massac Non-metro 8.89% 17.00% 4.00% 13.40% 0.00 0.00% 24.04 86.50% 0.208 Fourth

2505 ND Dickey Non-metro 9.31% 19.80% 5.99% 32.20% 0.00 0.00% 0.00 0.00% 0.208 Fourth

2506 IN Blackford Non-metro 8.88% 16.90% 3.79% 11.80% 0.00 0.00% 32.09 92.40% 0.207 Fourth

2507 WI Lafayette Non-metro 8.85% 16.80% 5.19% 24.20% 0.00 0.00% 5.75 43.10% 0.207 Fourth

2508 IA Crawford Non-metro 8.10% 11.70% 4.75% 20.20% 0.00 0.00% 18.00 78.80% 0.206 Fourth

2509 SC Hampton Non-metro 9.80% 22.90% 5.57% 28.60% 0.00 0.00% 0.00 0.00% 0.206 Fourth

2510 KY Taylor Non-metro 7.65% 9.00% 2.89% 4.90% 169.33 99.30% 7.97 50.80% 0.206 Fourth

2511 SC McCormick Non-metro 8.59% 15.10% 6.32% 36.30% 0.00 0.00% 0.00 0.00% 0.206 Fourth

83 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 84: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2512 TN Greene Non-metro 9.99% 24.50% 4.45% 17.70% 0.00 0.00% 3.84 36.70% 0.206 Fourth

2513 AL Marion Non-metro 10.40% 28.40% 5.06% 22.90% 0.00 0.00% 0.00 0.00% 0.205 Bottom

2514 MO Pulaski Non-metro 7.75% 9.70% 5.03% 22.60% 0.00 0.00% 16.35 75.70% 0.205 Bottom

2515 LA Tensas Non-metro 7.46% 8.10% 6.91% 43.10% 0.00 0.00% 0.00 0.00% 0.205 Bottom

2516 IA Guthrie Des Moines-West Des Moines, IA MSA 8.78% 16.30% 4.44% 17.50% 0.00 0.00% 13.61 69.60% 0.205 Bottom

2517 KY Union Non-metro 8.66% 15.50% 3.70% 10.90% 84.24 98.50% 0.00 0.00% 0.204 Bottom

2518 NE Burt Non-metro 8.92% 17.20% 4.50% 18.10% 0.00 0.00% 11.29 62.30% 0.204 Bottom

2519 TX Camp Non-metro 10.34% 27.80% 5.07% 23.00% 0.00 0.00% 0.00 0.00% 0.203 Bottom

2520 CO Baca Non-metro 11.72% 38.70% 3.83% 12.00% 0.00 0.00% 0.00 0.00% 0.203 Bottom

2521 GA Wheeler Non-metro 12.58% 46.50% 2.72% 4.20% 0.00 0.00% 0.00 0.00% 0.203 Bottom

2522 KY Martin Non-metro 8.29% 12.90% 4.05% 14.00% 19.84 94.60% 0.00 0.00% 0.202 Bottom

2523 TN Grainger Morristown, TN MSA 9.13% 18.40% 4.76% 20.40% 0.00 0.00% 6.61 46.20% 0.201 Bottom

2524 KY Owen Non-metro 8.20% 12.40% 4.81% 20.90% 0.00 0.00% 13.23 68.10% 0.201 Bottom

2525 FL Flagler Palm Coast, FL MSA 9.07% 18.20% 5.13% 23.50% 0.00 0.00% 3.12 34.50% 0.201 Bottom

2526 TX Cottle Non-metro 6.16% 3.60% 7.23% 46.70% 0.00 0.00% 0.00 0.00% 0.201 Bottom

2527 KY Rockcastle Non-metro 6.91% 5.80% 2.89% 4.90% 65.31 98.10% 10.64 60.00% 0.201 Bottom

2528 KY Owsley Non-metro 4.86% 1.30% 0.81% 0.20% 32.89 96.40% 54.05 97.90% 0.200 Bottom

2529 AR Calhoun Non-metro 11.30% 35.70% 4.09% 14.30% 0.00 0.00% 0.00 0.00% 0.200 Bottom

2530 GA Clinch Non-metro 11.48% 36.70% 3.97% 13.20% 0.00 0.00% 0.00 0.00% 0.200 Bottom

2531 AL Perry Non-metro 10.69% 30.60% 4.64% 19.30% 0.00 0.00% 0.00 0.00% 0.200 Bottom

2532 AR Boone Non-metro 9.15% 18.50% 5.91% 31.40% 0.00 0.00% 0.00 0.00% 0.200 Bottom

2533 TX Comanche Non-metro 9.21% 19.10% 5.84% 30.80% 0.00 0.00% 0.00 0.00% 0.200 Bottom

2534 MN Big Stone Non-metro 7.50% 8.30% 5.11% 23.20% 0.00 0.00% 15.31 73.50% 0.200 Bottom

2535 FL Gulf Non-metro 9.23% 19.20% 5.78% 30.30% 0.00 0.00% 0.00 0.00% 0.198 Bottom

2536 MI Tuscola Non-metro 9.79% 22.70% 5.44% 26.80% 0.00 0.00% 0.00 0.00% 0.198 Bottom

2537 MS Neshoba Non-metro 7.50% 8.30% 4.43% 17.40% 0.00 0.00% 38.55 95.20% 0.198 Bottom

2538 MO Montgomery Non-metro 10.31% 27.60% 4.93% 21.80% 0.00 0.00% 0.00 0.00% 0.198 Bottom

2539 WV Nicholas Non-metro 6.99% 5.80% 5.71% 29.90% 0.00 0.00% 8.91 54.70% 0.198 Bottom

2540 FL Calhoun Non-metro 9.33% 20.00% 5.65% 29.30% 0.00 0.00% 0.00 0.00% 0.197 Bottom

2541 MN Cottonwood Non-metro 8.45% 14.20% 3.86% 12.40% 0.00 0.00% 28.39 90.50% 0.197 Bottom

2542 GA Treutlen Non-metro 8.74% 16.00% 3.78% 11.70% 0.00 0.00% 22.99 85.70% 0.197 Bottom

84 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 85: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2543 IA Delaware Non-metro 9.10% 18.40% 3.56% 9.60% 0.00 0.00% 21.92 84.20% 0.196 Bottom

2544 SC Fairfield Columbia, SC MSA 10.16% 26.20% 5.05% 22.80% 0.00 0.00% 0.00 0.00% 0.196 Bottom

2545 SC Union Non-metro 10.06% 25.00% 4.00% 13.40% 0.00 0.00% 5.53 42.30% 0.196 Bottom

2546 WI Grant Non-metro 9.14% 18.50% 4.40% 17.10% 0.00 0.00% 8.49 53.30% 0.196 Bottom

2547 AL Cleburne Non-metro 9.53% 21.10% 5.51% 27.70% 0.00 0.00% 0.00 0.00% 0.195 Bottom

2548 IL Alexander Cape Girardeau-Jackson, MO-IL MSA 10.47% 28.80% 4.72% 19.90% 0.00 0.00% 0.00 0.00% 0.195 Bottom

2549 WI Trempealeau Non-metro 9.22% 19.20% 4.31% 16.10% 0.00 0.00% 8.35 52.70% 0.194 Bottom

2550 TX Mitchell Non-metro 7.84% 10.20% 4.70% 19.60% 0.00 0.00% 15.67 74.30% 0.194 Bottom

2551 FL Suwannee Non-metro 9.53% 21.00% 4.38% 16.90% 0.00 0.00% 5.18 41.30% 0.193 Bottom

2552 AR Ouachita Non-metro 10.03% 24.90% 5.11% 23.20% 0.00 0.00% 0.00 0.00% 0.192 Bottom

2553 IA Monona Non-metro 9.54% 21.20% 5.46% 26.90% 0.00 0.00% 0.00 0.00% 0.192 Bottom

2554 KY Ballard Non-metro 9.67% 21.90% 2.84% 4.70% 0.00 0.00% 23.58 86.00% 0.192 Bottom

2555 OK Caddo Non-metro 7.98% 11.30% 4.04% 13.90% 10.87 91.60% 0.00 0.00% 0.192 Bottom

2556 OK Okmulgee Tulsa, OK MSA 7.03% 6.10% 3.88% 12.60% 3.80 83.60% 2.89 33.90% 0.192 Bottom

2557 FL Putnam Non-metro 9.09% 18.40% 4.93% 21.80% 0.00 0.00% 1.50 31.50% 0.192 Bottom

2558 GA Atkinson Non-metro 8.40% 14.00% 6.14% 33.90% 0.00 0.00% 0.00 0.00% 0.192 Bottom

2559 WV Greenbrier Non-metro 7.82% 10.00% 5.52% 27.90% 0.00 0.00% 4.83 40.00% 0.192 Bottom

2560 NE Clay Non-metro 10.11% 25.70% 2.99% 5.70% 0.00 0.00% 12.33 65.90% 0.192 Bottom

2561 TX Knox Non-metro 10.17% 26.40% 4.88% 21.40% 0.00 0.00% 0.00 0.00% 0.191 Bottom

2562 KY Graves Non-metro 9.78% 22.60% 4.20% 15.00% 0.00 0.00% 5.00 40.80% 0.191 Bottom

2563 FL Wakulla Tallahassee, FL MSA 9.20% 18.90% 5.60% 28.90% 0.00 0.00% 0.00 0.00% 0.191 Bottom

2564 KS Chautauqua Non-metro 10.66% 30.50% 4.42% 17.30% 0.00 0.00% 0.00 0.00% 0.191 Bottom

2565 IA Plymouth Non-metro 8.98% 17.60% 4.19% 14.90% 0.00 0.00% 10.95 61.00% 0.191 Bottom

2566 MN Brown Non-metro 8.88% 16.90% 3.98% 13.30% 0.00 0.00% 13.82 70.20% 0.191 Bottom

2567 LA De Soto Shreveport-Bossier City, LA MSA 8.42% 14.10% 5.29% 25.10% 0.00 0.00% 2.99 34.10% 0.191 Bottom

2568 MO Vernon Non-metro 10.17% 26.40% 4.86% 21.30% 0.00 0.00% 0.00 0.00% 0.191 Bottom

2569 MS Marshall Memphis, TN-MS-AR MSA 8.09% 11.70% 3.10% 6.30% 3.71 83.50% 3.16 34.70% 0.190 Bottom

2570 MO Dade Non-metro 8.76% 16.10% 3.23% 7.30% 0.00 0.00% 43.80 96.50% 0.190 Bottom

2571 AK Aleutians West Non-metro 10.34% 27.70% 4.71% 19.80% 0.00 0.00% 0.00 0.00% 0.190 Bottom

2572 KS Labette Non-metro 8.38% 13.90% 4.58% 18.80% 0.00 0.00% 10.28 58.90% 0.190 Bottom

2573 MN Kanabec Non-metro 7.35% 7.70% 4.32% 16.20% 0.00 0.00% 34.99 93.70% 0.189 Bottom

85 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 86: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2574 WI Adams Non-metro 8.68% 15.70% 5.92% 31.60% 0.00 0.00% 0.00 0.00% 0.189 Bottom

2575 TX Freestone Non-metro 9.41% 20.60% 3.34% 8.20% 0.00 0.00% 15.51 73.90% 0.189 Bottom

2576 IL Fulton Non-metro 8.70% 15.70% 4.98% 22.10% 0.00 0.00% 4.12 37.70% 0.189 Bottom

2577 MT Petroleum Non-metro 12.00% 41.20% 3.03% 6.00% 0.00 0.00% 0.00 0.00% 0.189 Bottom

2578 TX Lamar Non-metro 9.54% 21.10% 4.24% 15.30% 0.00 0.00% 5.70 43.00% 0.189 Bottom

2579 LA Iberville Baton Rouge, LA MSA 6.58% 4.70% 2.89% 4.90% 8.76 89.90% 10.66 60.20% 0.189 Bottom

2580 WI Florence Non-metro 7.82% 10.10% 3.86% 12.40% 68.18 98.20% 0.00 0.00% 0.188 Bottom

2581 GA Butts Atlanta-Sandy Springs-Marietta, GA MSA 9.52% 21.00% 4.31% 16.10% 0.00 0.00% 4.78 39.70% 0.188 Bottom

2582 WV Mercer Non-metro 7.70% 9.40% 5.69% 29.80% 0.00 0.00% 1.13 31.30% 0.188 Bottom

2583 GA Heard Atlanta-Sandy Springs-Marietta, GA MSA 9.81% 23.00% 5.17% 24.00% 0.00 0.00% 0.00 0.00% 0.188 Bottom

2584 GA Montgomery Non-metro 9.65% 21.70% 3.24% 7.40% 0.00 0.00% 14.18 71.00% 0.187 Bottom

2585 AL Bullock Non-metro 8.29% 12.90% 6.14% 33.90% 0.00 0.00% 0.00 0.00% 0.187 Bottom

2586 WV Raleigh Non-metro 8.66% 15.40% 5.13% 23.50% 0.00 0.00% 0.84 31.20% 0.187 Bottom

2587 IA Jackson Non-metro 8.39% 13.90% 3.77% 11.40% 0.00 0.00% 22.54 85.20% 0.186 Bottom

2588 SC Barnwell Non-metro 8.92% 17.20% 5.66% 29.40% 0.00 0.00% 0.00 0.00% 0.186 Bottom

2589 FL Gadsden Tallahassee, FL MSA 8.36% 13.70% 4.84% 21.20% 0.00 0.00% 6.78 46.70% 0.186 Bottom

2590 KS Cloud Non-metro 8.98% 17.60% 4.23% 15.30% 0.00 0.00% 8.89 54.60% 0.186 Bottom

2591 TN Carter Johnson City, TN MSA 10.25% 27.10% 3.72% 11.00% 0.00 0.00% 2.88 33.80% 0.186 Bottom

2592 AR Lafayette Non-metro 9.93% 24.00% 5.00% 22.40% 0.00 0.00% 0.00 0.00% 0.186 Bottom

2593 AR Phillips Non-metro 7.83% 10.20% 4.60% 19.00% 0.00 0.00% 13.27 68.40% 0.185 Bottom

2594 MI Montmorency Non-metro 8.76% 16.10% 5.76% 30.20% 0.00 0.00% 0.00 0.00% 0.185 Bottom

2595 SC Abbeville Non-metro 10.82% 31.70% 4.15% 14.60% 0.00 0.00% 0.00 0.00% 0.185 Bottom

2596 OH Meigs Non-metro 8.57% 14.90% 3.77% 11.40% 0.00 0.00% 18.63 79.80% 0.185 Bottom

2597 MN Lincoln Non-metro 10.17% 26.40% 4.71% 19.80% 0.00 0.00% 0.00 0.00% 0.185 Bottom

2598 SD Clay Non-metro 9.24% 19.30% 5.45% 26.90% 0.00 0.00% 0.00 0.00% 0.185 Bottom

2599 MN Murray Non-metro 8.81% 16.50% 4.28% 15.90% 0.00 0.00% 9.08 55.10% 0.185 Bottom

2600 NE Fillmore Non-metro 11.08% 34.10% 3.80% 11.90% 0.00 0.00% 0.00 0.00% 0.184 Bottom

2601 MS Humphreys Non-metro 7.04% 6.30% 4.58% 18.80% 0.00 0.00% 21.01 83.20% 0.184 Bottom

2602 MI Ionia Grand Rapids-Wyoming, MI MSA 8.58% 14.90% 3.73% 11.10% 0.00 0.00% 18.40 79.40% 0.183 Bottom

2603 KY Lewis Non-metro 9.35% 20.20% 5.34% 25.60% 0.00 0.00% 0.00 0.00% 0.183 Bottom

2604 OK Noble Non-metro 10.25% 27.10% 4.57% 18.70% 0.00 0.00% 0.00 0.00% 0.183 Bottom

86 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 87: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2605 IL Randolph Non-metro 10.69% 30.60% 4.22% 15.20% 0.00 0.00% 0.00 0.00% 0.183 Bottom

2606 OK Le Flore Fort Smith, AR-OK MSA 7.89% 10.50% 4.32% 16.20% 0.00 0.00% 16.63 76.20% 0.183 Bottom

2607 MI Manistee Non-metro 9.19% 18.80% 5.46% 26.90% 0.00 0.00% 0.00 0.00% 0.183 Bottom

2608 VA Bath Non-metro 9.74% 22.30% 5.12% 23.40% 0.00 0.00% 0.00 0.00% 0.183 Bottom

2609 OK Grant Non-metro 11.21% 35.10% 3.66% 10.60% 0.00 0.00% 0.00 0.00% 0.183 Bottom

2610 IN Scott Non-metro 9.27% 19.50% 3.56% 9.60% 0.00 0.00% 12.53 66.30% 0.183 Bottom

2611 TX Schleicher Non-metro 10.84% 31.90% 4.03% 13.70% 0.00 0.00% 0.00 0.00% 0.182 Bottom

2612 TX King Non-metro 2.63% 0.00% 7.14% 45.60% 0.00 0.00% 0.00 0.00% 0.182 Bottom

2613 OH Ross Non-metro 7.95% 11.00% 3.99% 13.30% 0.00 0.00% 22.53 85.10% 0.182 Bottom

2614 MO Ripley Non-metro 10.37% 28.00% 4.44% 17.50% 0.00 0.00% 0.00 0.00% 0.182 Bottom

2615 OK McCurtain Non-metro 8.30% 13.10% 4.34% 16.40% 0.00 0.00% 11.58 63.40% 0.181 Bottom

2616 GA Lamar Atlanta-Sandy Springs-Marietta, GA MSA 8.72% 15.80% 4.58% 18.80% 0.00 0.00% 5.70 42.80% 0.181 Bottom

2617 MS Prentiss Non-metro 8.97% 17.60% 5.51% 27.70% 0.00 0.00% 0.00 0.00% 0.181 Bottom

2618 AR Jackson Non-metro 9.19% 18.80% 4.06% 14.10% 0.00 0.00% 7.53 49.30% 0.181 Bottom

2619 KS Linn Kansas City, MO-KS MSA 7.67% 9.20% 4.00% 13.40% 0.00 0.00% 28.41 90.50% 0.181 Bottom

2620 MS Pearl River Non-metro 8.12% 12.00% 5.11% 23.20% 0.00 0.00% 4.86 40.10% 0.181 Bottom

2621 IN Orange Non-metro 9.92% 23.90% 4.86% 21.30% 0.00 0.00% 0.00 0.00% 0.181 Bottom

2622 MN Hubbard Non-metro 7.93% 10.80% 4.29% 15.90% 0.00 0.00% 15.47 73.90% 0.181 Bottom

2623 WY Carbon Non-metro 8.60% 15.20% 4.62% 19.10% 0.00 0.00% 5.81 43.40% 0.181 Bottom

2624 TX Brewster Non-metro 8.70% 15.80% 5.65% 29.30% 0.00 0.00% 0.00 0.00% 0.180 Bottom

2625 WV Berkeley Hagerstown-Martinsburg, MD-WV MSA 5.53% 2.10% 4.25% 15.50% 1.64 78.70% 1.17 31.30% 0.180 Bottom

2626 GA Appling Non-metro 8.85% 16.80% 3.91% 12.80% 0.00 0.00% 11.07 61.50% 0.180 Bottom

2627 SD Hand Non-metro 7.64% 8.90% 3.77% 11.40% 51.95 97.80% 0.00 0.00% 0.179 Bottom

2628 NE Kearney Non-metro 7.92% 10.70% 4.40% 17.10% 0.00 0.00% 12.99 67.40% 0.179 Bottom

2629 SD Harding Non-metro 8.00% 11.40% 6.06% 33.20% 0.00 0.00% 0.00 0.00% 0.178 Bottom

2630 TX Franklin Non-metro 9.60% 21.40% 5.11% 23.20% 0.00 0.00% 0.00 0.00% 0.178 Bottom

2631 AR Dallas Non-metro 8.53% 14.60% 5.69% 29.80% 0.00 0.00% 0.00 0.00% 0.178 Bottom

2632 GA Chattahoochee Columbus, GA-AL MSA 5.95% 3.00% 4.41% 17.20% 35.46 96.80% 0.00 0.00% 0.178 Bottom

2633 IL Mason Non-metro 8.95% 17.40% 5.46% 26.90% 0.00 0.00% 0.00 0.00% 0.177 Bottom

2634 ND Oliver Non-metro 8.21% 12.40% 3.18% 7.00% 0.00 0.00% 71.43 99.00% 0.177 Bottom

2635 MO Stoddard Non-metro 9.98% 24.20% 3.68% 10.80% 0.00 0.00% 3.81 36.50% 0.177 Bottom

87 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 88: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2636 TN Meigs Non-metro 8.45% 14.20% 3.91% 12.80% 0.00 0.00% 13.21 68.10% 0.176 Bottom

2637 TX Houston Non-metro 9.31% 19.80% 5.19% 24.20% 0.00 0.00% 0.00 0.00% 0.176 Bottom

2638 GA Bleckley Non-metro 8.56% 14.80% 3.92% 13.00% 0.00 0.00% 11.89 64.60% 0.176 Bottom

2639 AR Mississippi Non-metro 10.26% 27.20% 4.35% 16.50% 0.00 0.00% 0.00 0.00% 0.175 Bottom

2640 IL Logan Non-metro 7.49% 8.20% 4.26% 15.60% 0.00 0.00% 18.50 79.60% 0.175 Bottom

2641 IA Adams Non-metro 9.91% 23.80% 4.73% 19.90% 0.00 0.00% 0.00 0.00% 0.175 Bottom

2642 CO Kit Carson Non-metro 9.90% 23.70% 4.73% 19.90% 0.00 0.00% 0.00 0.00% 0.174 Bottom

2643 IN Washington Louisville/Jefferson County, KY-IN MSA 8.95% 17.40% 5.38% 26.20% 0.00 0.00% 0.00 0.00% 0.174 Bottom

2644 NE Cedar Non-metro 10.08% 25.30% 4.54% 18.30% 0.00 0.00% 0.00 0.00% 0.174 Bottom

2645 SD Miner Non-metro 9.01% 17.80% 1.67% 1.00% 83.68 98.50% 0.00 0.00% 0.174 Bottom

2646 OR Gilliam Non-metro 7.97% 11.20% 5.99% 32.20% 0.00 0.00% 0.00 0.00% 0.174 Bottom

2647 TN Trousdale Nashville-Davidson--Murfreesboro--Franklin, TN MSA 9.15% 18.60% 5.24% 24.70% 0.00 0.00% 0.00 0.00% 0.173 Bottom

2648 FL Baker Jacksonville, FL MSA 10.18% 26.50% 3.13% 6.60% 0.00 0.00% 4.99 40.70% 0.173 Bottom

2649 KS Cowley Non-metro 8.75% 16.00% 4.52% 18.20% 0.00 0.00% 3.47 35.60% 0.172 Bottom

2650 KS Wabaunsee Topeka, KS MSA 8.81% 16.50% 3.33% 8.10% 0.00 0.00% 15.46 73.80% 0.172 Bottom

2651 KS Grant Non-metro 8.88% 16.90% 3.61% 10.10% 0.00 0.00% 11.68 63.80% 0.172 Bottom

2652 GA Bacon Non-metro 8.28% 12.80% 4.41% 17.20% 0.00 0.00% 8.20 51.70% 0.172 Bottom

2653 KY Clinton Non-metro 8.41% 14.10% 2.72% 4.20% 72.84 98.40% 0.00 0.00% 0.172 Bottom

2654 TX Lynn Non-metro 8.38% 13.90% 5.61% 29.00% 0.00 0.00% 0.00 0.00% 0.172 Bottom

2655 FL Dixie Non-metro 9.53% 21.10% 4.91% 21.70% 0.00 0.00% 0.00 0.00% 0.171 Bottom

2656 OK Jefferson Non-metro 7.98% 11.30% 3.76% 11.30% 0.00 0.00% 19.46 80.80% 0.171 Bottom

2657 IL Calhoun St. Louis, MO-IL MSA 10.38% 28.10% 4.15% 14.60% 0.00 0.00% 0.00 0.00% 0.171 Bottom

2658 VA Alleghany Non-metro 9.76% 22.50% 4.74% 20.10% 0.00 0.00% 0.00 0.00% 0.170 Bottom

2659 KY Muhlenberg Non-metro 10.41% 28.50% 4.06% 14.10% 0.00 0.00% 0.00 0.00% 0.170 Bottom

2660 LA Winn Non-metro 10.79% 31.40% 3.73% 11.10% 0.00 0.00% 0.00 0.00% 0.170 Bottom

2661 NE Sherman Non-metro 10.22% 26.90% 4.26% 15.60% 0.00 0.00% 0.00 0.00% 0.170 Bottom

2662 KS Bourbon Non-metro 8.65% 15.40% 3.54% 9.40% 0.00 0.00% 13.96 70.50% 0.170 Bottom

2663 AR Arkansas Non-metro 9.85% 23.40% 4.60% 19.00% 0.00 0.00% 0.00 0.00% 0.170 Bottom

2664 TX Ward Non-metro 10.46% 28.70% 4.02% 13.70% 0.00 0.00% 0.00 0.00% 0.170 Bottom

2665 AR Montgomery Non-metro 8.85% 16.70% 3.70% 10.90% 0.00 0.00% 10.17 58.60% 0.169 Bottom

2666 NM Union Non-metro 8.14% 12.10% 5.74% 30.10% 0.00 0.00% 0.00 0.00% 0.169 Bottom

88 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 89: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2667 OK Beaver Non-metro 10.80% 31.50% 3.67% 10.70% 0.00 0.00% 0.00 0.00% 0.169 Bottom

2668 SC Marlboro Non-metro 8.35% 13.70% 3.64% 10.40% 0.00 0.00% 14.78 72.30% 0.169 Bottom

2669 KS Barton Non-metro 9.91% 23.80% 3.53% 9.30% 0.00 0.00% 3.49 35.70% 0.168 Bottom

2670 TN McMinn Non-metro 9.40% 20.60% 4.87% 21.40% 0.00 0.00% 0.00 0.00% 0.168 Bottom

2671 ND Hettinger Non-metro 9.47% 20.80% 4.85% 21.20% 0.00 0.00% 0.00 0.00% 0.168 Bottom

2672 CO Prowers Non-metro 7.21% 6.90% 3.98% 13.30% 0.00 0.00% 24.29 86.90% 0.168 Bottom

2673 OK Woods Non-metro 8.80% 16.40% 3.79% 11.80% 0.00 0.00% 8.98 54.70% 0.168 Bottom

2674 TX Clay Wichita Falls, TX MSA 10.77% 31.10% 3.67% 10.70% 0.00 0.00% 0.00 0.00% 0.167 Bottom

2675 FL Jefferson Tallahassee, FL MSA 9.72% 22.10% 4.70% 19.60% 0.00 0.00% 0.00 0.00% 0.167 Bottom

2676 MN Traverse Non-metro 10.27% 27.30% 4.13% 14.40% 0.00 0.00% 0.00 0.00% 0.167 Bottom

2677 KY Jackson Non-metro 6.50% 4.40% 3.85% 12.20% 603.81 99.60% 0.00 0.00% 0.166 Bottom

2678 NE Morrill Non-metro 8.33% 13.30% 3.28% 7.60% 0.00 0.00% 20.33 82.10% 0.166 Bottom

2679 IN Switzerland Non-metro 10.06% 25.10% 4.32% 16.20% 0.00 0.00% 0.00 0.00% 0.165 Bottom

2680 IA Clayton Non-metro 8.50% 14.40% 3.46% 8.70% 0.00 0.00% 14.92 72.70% 0.165 Bottom

2681 IA Allamakee Non-metro 8.12% 11.90% 4.51% 18.10% 0.00 0.00% 6.20 44.90% 0.165 Bottom

2682 FL DeSoto Non-metro 10.10% 25.50% 4.26% 15.60% 0.00 0.00% 0.00 0.00% 0.164 Bottom

2683 TN Stewart Clarksville, TN-KY MSA 9.33% 20.00% 3.21% 7.10% 0.00 0.00% 9.23 55.50% 0.164 Bottom

2684 KS Kingman Non-metro 9.72% 22.10% 2.64% 3.80% 0.00 0.00% 10.68 60.20% 0.164 Bottom

2685 ND Eddy Non-metro 8.10% 11.80% 5.62% 29.10% 0.00 0.00% 0.00 0.00% 0.164 Bottom

2686 IL Henry Davenport-Moline-Rock Island, IA-IL MSA 8.68% 15.60% 4.24% 15.30% 0.00 0.00% 4.78 39.80% 0.163 Bottom

2687 KS Jackson Topeka, KS MSA 8.84% 16.60% 3.82% 11.90% 0.00 0.00% 7.55 49.40% 0.163 Bottom

2688 KS Osage Topeka, KS MSA 7.98% 11.30% 3.88% 12.60% 0.00 0.00% 12.87 67.10% 0.163 Bottom

2689 KY McCreary Non-metro 4.04% 0.60% 0.98% 0.30% 103.63 98.70% 10.64 60.00% 0.162 Bottom

2690 WV Jackson Non-metro 6.16% 3.60% 4.97% 22.10% 0.00 0.00% 10.35 59.20% 0.162 Bottom

2691 MO Caldwell Kansas City, MO-KS MSA 8.20% 12.40% 3.11% 6.30% 0.00 0.00% 24.48 87.10% 0.162 Bottom

2692 MS Leake Non-metro 7.07% 6.50% 3.49% 9.00% 0.00 0.00% 151.18 99.90% 0.162 Bottom

2693 TN Rhea Non-metro 8.19% 12.30% 4.17% 14.70% 0.00 0.00% 8.66 53.80% 0.162 Bottom

2694 NE Sheridan Non-metro 8.55% 14.80% 5.34% 25.60% 0.00 0.00% 0.00 0.00% 0.162 Bottom

2695 MO Cedar Non-metro 7.20% 6.80% 3.59% 9.90% 0.00 0.00% 37.48 94.80% 0.162 Bottom

2696 MS Yalobusha Non-metro 7.97% 11.10% 4.44% 17.50% 0.00 0.00% 6.81 46.90% 0.161 Bottom

2697 AR Grant Little Rock-North Little Rock-Conway, AR MSA 8.58% 15.00% 5.31% 25.30% 0.00 0.00% 0.00 0.00% 0.161 Bottom

89 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 90: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2698 TX Hardeman Non-metro 8.25% 12.80% 2.56% 3.40% 0.00 0.00% 41.24 95.90% 0.161 Bottom

2699 GA Upson Non-metro 7.98% 11.20% 4.65% 19.40% 0.00 0.00% 4.29 38.20% 0.161 Bottom

2700 KS Elk Non-metro 9.15% 18.60% 4.89% 21.50% 0.00 0.00% 0.00 0.00% 0.160 Bottom

2701 IA Audubon Non-metro 8.97% 17.50% 3.11% 6.30% 0.00 0.00% 12.12 65.20% 0.160 Bottom

2702 NE Greeley Non-metro 8.89% 17.10% 5.06% 22.90% 0.00 0.00% 0.00 0.00% 0.160 Bottom

2703 TX Sabine Non-metro 7.90% 10.60% 5.66% 29.40% 0.00 0.00% 0.00 0.00% 0.160 Bottom

2704 TN Coffee Non-metro 7.91% 10.70% 3.50% 9.10% 2.39 80.60% 0.00 0.00% 0.160 Bottom

2705 MS Jefferson Davis Non-metro 7.43% 8.00% 3.77% 11.40% 0.00 0.00% 20.35 82.10% 0.160 Bottom

2706 WV Monongalia Morgantown, WV MSA 7.27% 7.20% 4.93% 21.80% 0.00 0.00% 5.93 43.70% 0.160 Bottom

2707 IA Bremer Waterloo-Cedar Falls, IA MSA 7.76% 9.80% 3.70% 10.90% 0.00 0.00% 16.60 76.10% 0.159 Bottom

2708 AL Washington Non-metro 9.92% 23.80% 2.27% 2.50% 0.00 0.00% 8.63 53.60% 0.159 Bottom

2709 WI Monroe Non-metro 6.81% 5.40% 3.59% 9.90% 0.00 0.00% 50.14 97.50% 0.159 Bottom

2710 VA Buena Vista Non-metro 7.78% 9.90% 3.41% 8.60% 0.00 0.00% 22.22 84.60% 0.159 Bottom

2711 KY Casey Non-metro 7.74% 9.60% 3.31% 7.80% 7.50 88.90% 0.00 0.00% 0.159 Bottom

2712 IA Greene Non-metro 7.32% 7.60% 3.61% 10.10% 0.00 0.00% 24.94 87.70% 0.159 Bottom

2713 LA Jefferson Davis Non-metro 8.77% 16.20% 4.24% 15.30% 0.00 0.00% 2.31 32.40% 0.158 Bottom

2714 GA Tattnall Non-metro 9.06% 18.10% 2.87% 4.90% 0.00 0.00% 12.32 65.80% 0.158 Bottom

2715 NC Washington Non-metro 9.88% 23.50% 4.29% 15.90% 0.00 0.00% 0.00 0.00% 0.158 Bottom

2716 WI Crawford Non-metro 7.21% 6.90% 4.38% 16.90% 0.00 0.00% 11.19 62.00% 0.157 Bottom

2717 KS Jefferson Topeka, KS MSA 10.12% 25.90% 3.98% 13.30% 0.00 0.00% 0.00 0.00% 0.157 Bottom

2718 IA Monroe Non-metro 7.28% 7.30% 4.29% 15.90% 0.00 0.00% 11.74 64.00% 0.157 Bottom

2719 KY Todd Non-metro 8.01% 11.50% 3.31% 7.80% 0.00 0.00% 18.42 79.40% 0.157 Bottom

2720 AL Talladega Non-metro 8.22% 12.50% 4.47% 17.80% 0.00 0.00% 3.32 35.20% 0.156 Bottom

2721 GA Mitchell Non-metro 8.96% 17.50% 3.71% 11.00% 0.00 0.00% 5.33 41.60% 0.156 Bottom

2722 KY Hickman Non-metro 8.59% 15.00% 2.61% 3.60% 0.00 0.00% 19.53 80.90% 0.155 Bottom

2723 TN Hickman Nashville-Davidson--Murfreesboro--Franklin, TN MSA 8.15% 12.10% 4.29% 15.90% 0.00 0.00% 5.70 42.90% 0.155 Bottom

2724 KS Republic Non-metro 8.46% 14.30% 5.20% 24.40% 0.00 0.00% 0.00 0.00% 0.155 Bottom

2725 OK McIntosh Non-metro 9.49% 20.90% 4.46% 17.70% 0.00 0.00% 0.00 0.00% 0.154 Bottom

2726 CO Phillips Non-metro 9.47% 20.80% 4.47% 17.80% 0.00 0.00% 0.00 0.00% 0.154 Bottom

2727 KS Neosho Non-metro 9.08% 18.20% 3.48% 8.90% 0.00 0.00% 6.31 45.30% 0.154 Bottom

2728 IA Sioux Non-metro 9.48% 20.90% 4.43% 17.40% 0.00 0.00% 0.00 0.00% 0.153 Bottom

90 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 91: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2729 KS Decatur Non-metro 7.26% 7.20% 3.54% 9.40% 0.00 0.00% 24.21 86.80% 0.153 Bottom

2730 KS Ness Non-metro 8.50% 14.40% 5.15% 23.80% 0.00 0.00% 0.00 0.00% 0.153 Bottom

2731 TN Lauderdale Non-metro 8.74% 16.00% 4.98% 22.10% 0.00 0.00% 0.00 0.00% 0.152 Bottom

2732 FL Hendry Non-metro 7.93% 10.80% 3.60% 9.90% 0.00 0.00% 13.38 68.90% 0.152 Bottom

2733 MN Jackson Non-metro 8.56% 14.80% 5.08% 23.10% 0.00 0.00% 0.00 0.00% 0.152 Bottom

2734 MS Monroe Non-metro 8.40% 14.00% 5.16% 23.90% 0.00 0.00% 0.00 0.00% 0.152 Bottom

2735 TX Nolan Non-metro 7.65% 9.00% 4.37% 16.70% 0.00 0.00% 7.35 48.80% 0.152 Bottom

2736 KY Carter Non-metro 6.00% 3.20% 3.83% 12.00% 9.48 90.50% 0.00 0.00% 0.151 Bottom

2737 GA Berrien Non-metro 9.29% 19.70% 4.51% 18.10% 0.00 0.00% 0.00 0.00% 0.151 Bottom

2738 MS Jasper Non-metro 7.52% 8.40% 3.01% 5.80% 0.00 0.00% 36.10 94.20% 0.151 Bottom

2739 LA Red River Non-metro 7.96% 11.00% 5.43% 26.70% 0.00 0.00% 0.00 0.00% 0.151 Bottom

2740 AL Lowndes Montgomery, AL MSA 8.30% 13.10% 5.23% 24.60% 0.00 0.00% 0.00 0.00% 0.151 Bottom

2741 WV Morgan Hagerstown-Martinsburg, MD-WV MSA 6.64% 5.00% 5.15% 23.80% 0.00 0.00% 3.39 35.50% 0.151 Bottom

2742 AL Jackson Non-metro 8.72% 15.80% 3.85% 12.20% 0.00 0.00% 4.42 38.60% 0.151 Bottom

2743 KY Larue Elizabethtown, KY MSA 7.45% 8.10% 3.21% 7.10% 8.42 89.80% 0.00 0.00% 0.151 Bottom

2744 KY Fulton Non-metro 8.64% 15.30% 4.99% 22.30% 0.00 0.00% 0.00 0.00% 0.150 Bottom

2745 MO Harrison Non-metro 8.33% 13.50% 5.18% 24.10% 0.00 0.00% 0.00 0.00% 0.150 Bottom

2746 TX Crockett Non-metro 11.11% 34.50% 2.42% 3.10% 0.00 0.00% 0.00 0.00% 0.150 Bottom

2747 MS Newton Non-metro 7.21% 6.90% 3.54% 9.40% 0.00 0.00% 22.42 84.90% 0.150 Bottom

2748 IA Carroll Non-metro 8.51% 14.50% 4.03% 13.70% 0.00 0.00% 3.77 36.40% 0.149 Bottom

2749 IA Palo Alto Non-metro 9.15% 18.60% 4.57% 18.70% 0.00 0.00% 0.00 0.00% 0.149 Bottom

2750 IA Adair Non-metro 7.59% 8.70% 3.91% 12.80% 0.00 0.00% 11.49 63.10% 0.149 Bottom

2751 GA Meriwether Atlanta-Sandy Springs-Marietta, GA MSA 9.84% 23.20% 4.04% 13.90% 0.00 0.00% 0.00 0.00% 0.148 Bottom

2752 GA Decatur Non-metro 8.73% 15.90% 3.57% 9.70% 0.00 0.00% 6.44 45.70% 0.148 Bottom

2753 TN Marshall Non-metro 9.33% 20.10% 4.38% 16.90% 0.00 0.00% 0.00 0.00% 0.148 Bottom

2754 TN Smith Nashville-Davidson--Murfreesboro--Franklin, TN MSA 8.78% 16.30% 4.79% 20.70% 0.00 0.00% 0.00 0.00% 0.148 Bottom

2755 OK Ottawa Non-metro 8.17% 12.20% 3.85% 12.20% 0.00 0.00% 7.63 49.80% 0.147 Bottom

2756 FL Hardee Non-metro 9.58% 21.40% 4.23% 15.30% 0.00 0.00% 0.00 0.00% 0.147 Bottom

2757 KS Morris Non-metro 7.03% 6.10% 4.08% 14.30% 0.00 0.00% 12.12 65.20% 0.147 Bottom

2758 MO Howard Columbia, MO MSA 9.32% 19.90% 4.37% 16.70% 0.00 0.00% 0.00 0.00% 0.146 Bottom

2759 LA Vernon Non-metro 7.06% 6.50% 3.49% 9.00% 4.11 84.20% 0.00 0.00% 0.146 Bottom

91 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 92: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2760 LA Natchitoches Non-metro 6.42% 4.20% 3.77% 11.40% 3.77 83.60% 0.00 0.00% 0.146 Bottom

2761 IA Calhoun Non-metro 9.01% 17.90% 4.54% 18.30% 0.00 0.00% 0.00 0.00% 0.145 Bottom

2762 KS Atchison Non-metro 8.36% 13.80% 3.61% 10.10% 0.00 0.00% 7.40 49.00% 0.145 Bottom

2763 AL Coosa Non-metro 8.88% 17.00% 4.62% 19.10% 0.00 0.00% 0.00 0.00% 0.144 Bottom

2764 FL Franklin Non-metro 8.67% 15.50% 4.76% 20.40% 0.00 0.00% 0.00 0.00% 0.144 Bottom

2765 KS Edwards Non-metro 8.29% 13.00% 5.06% 22.90% 0.00 0.00% 0.00 0.00% 0.144 Bottom

2766 SC Colleton Non-metro 8.69% 15.70% 4.75% 20.20% 0.00 0.00% 0.00 0.00% 0.144 Bottom

2767 KY Russell Non-metro 7.54% 8.50% 2.94% 5.40% 6.25 87.60% 0.00 0.00% 0.143 Bottom

2768 LA East Feliciana Baton Rouge, LA MSA 7.93% 10.80% 2.36% 2.80% 7.24 88.70% 0.00 0.00% 0.143 Bottom

2769 NE Knox Non-metro 7.93% 10.90% 5.25% 24.80% 0.00 0.00% 0.00 0.00% 0.143 Bottom

2770 SC Lee Non-metro 7.44% 8.00% 5.50% 27.60% 0.00 0.00% 0.00 0.00% 0.142 Bottom

2771 SD Mellette Non-metro 7.74% 9.70% 5.36% 25.90% 0.00 0.00% 0.00 0.00% 0.142 Bottom

2772 KS Logan Non-metro 6.70% 5.10% 3.11% 6.30% 0.00 0.00% 44.64 96.70% 0.142 Bottom

2773 AR Lawrence Non-metro 9.32% 19.90% 4.25% 15.50% 0.00 0.00% 0.00 0.00% 0.142 Bottom

2774 AR Drew Non-metro 8.89% 17.00% 3.32% 8.00% 0.00 0.00% 5.32 41.50% 0.142 Bottom

2775 TX Crosby Lubbock, TX MSA 8.56% 14.90% 4.76% 20.40% 0.00 0.00% 0.00 0.00% 0.141 Bottom

2776 GA Long Hinesville-Fort Stewart, GA MSA 8.83% 16.60% 4.56% 18.60% 0.00 0.00% 0.00 0.00% 0.141 Bottom

2777 SC Williamsburg Non-metro 8.00% 11.40% 4.13% 14.40% 0.00 0.00% 4.12 37.60% 0.141 Bottom

2778 WY Weston Non-metro 6.72% 5.10% 4.13% 14.40% 0.00 0.00% 11.39 62.70% 0.141 Bottom

2779 LA St. Helena Baton Rouge, LA MSA 7.15% 6.70% 2.96% 5.50% 10.87 91.60% 0.00 0.00% 0.140 Bottom

2780 TX Wilbarger Non-metro 6.88% 5.70% 3.12% 6.50% 10.73 91.40% 0.00 0.00% 0.140 Bottom

2781 MO Linn Non-metro 9.36% 20.30% 4.16% 14.70% 0.00 0.00% 0.00 0.00% 0.140 Bottom

2782 KS Brown Non-metro 8.37% 13.80% 3.33% 8.10% 0.00 0.00% 8.29 52.10% 0.140 Bottom

2783 KS Clay Non-metro 8.99% 17.70% 4.40% 17.10% 0.00 0.00% 0.00 0.00% 0.139 Bottom

2784 TN Cannon Nashville-Davidson--Murfreesboro--Franklin, TN MSA 9.88% 23.60% 3.74% 11.20% 0.00 0.00% 0.00 0.00% 0.139 Bottom

2785 MO Daviess Non-metro 7.56% 8.60% 3.66% 10.60% 0.00 0.00% 11.29 62.30% 0.139 Bottom

2786 GA Lanier Valdosta, GA MSA 10.27% 27.30% 3.24% 7.40% 0.00 0.00% 0.00 0.00% 0.139 Bottom

2787 IL Pulaski Non-metro 8.66% 15.50% 4.63% 19.20% 0.00 0.00% 0.00 0.00% 0.139 Bottom

2788 ND Logan Non-metro 8.68% 15.60% 4.62% 19.10% 0.00 0.00% 0.00 0.00% 0.139 Bottom

2789 KS Sherman Non-metro 8.58% 15.00% 4.70% 19.60% 0.00 0.00% 0.00 0.00% 0.138 Bottom

2790 KY Wayne Non-metro 6.90% 5.80% 2.68% 4.00% 129.22 99.20% 0.00 0.00% 0.138 Bottom

92 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 93: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2791 OK Blaine Non-metro 8.69% 15.70% 4.59% 18.90% 0.00 0.00% 0.00 0.00% 0.138 Bottom

2792 WV Kanawha Charleston, WV MSA 6.87% 5.60% 4.51% 18.10% 0.00 0.00% 5.91 43.60% 0.138 Bottom

2793 MO Dunklin Non-metro 8.59% 15.10% 3.61% 10.10% 0.00 0.00% 4.11 37.50% 0.138 Bottom

2794 MN Nobles Non-metro 8.34% 13.60% 4.81% 20.90% 0.00 0.00% 0.00 0.00% 0.138 Bottom

2795 TN Morgan Non-metro 9.75% 22.40% 3.84% 12.10% 0.00 0.00% 0.00 0.00% 0.138 Bottom

2796 AL Winston Non-metro 9.35% 20.20% 4.05% 14.00% 0.00 0.00% 0.00 0.00% 0.137 Bottom

2797 KY Leslie Non-metro 5.68% 2.60% 3.32% 8.00% 16.26 93.70% 0.00 0.00% 0.136 Bottom

2798 AL Clarke Non-metro 8.54% 14.70% 3.56% 9.60% 0.00 0.00% 4.45 38.80% 0.136 Bottom

2799 AR Independence Non-metro 7.85% 10.30% 4.24% 15.30% 0.00 0.00% 2.77 33.50% 0.136 Bottom

2800 TN Campbell Non-metro 7.71% 9.40% 4.26% 15.60% 0.00 0.00% 3.59 35.90% 0.136 Bottom

2801 OK Latimer Non-metro 9.87% 23.40% 3.65% 10.50% 0.00 0.00% 0.00 0.00% 0.136 Bottom

2802 KY Adair Non-metro 7.79% 10.00% 1.45% 0.70% 12.02 92.20% 0.00 0.00% 0.135 Bottom

2803 SD Haakon Non-metro 8.99% 17.80% 4.29% 15.90% 0.00 0.00% 0.00 0.00% 0.135 Bottom

2804 KY Breathitt Non-metro 6.29% 3.90% 3.39% 8.40% 0.00 0.00% 22.86 85.50% 0.135 Bottom

2805 OH Morgan Non-metro 9.08% 18.30% 4.24% 15.30% 0.00 0.00% 0.00 0.00% 0.134 Bottom

2806 SD Sanborn Non-metro 7.72% 9.60% 5.17% 24.00% 0.00 0.00% 0.00 0.00% 0.134 Bottom

2807 ND Sioux Non-metro 7.69% 9.30% 5.19% 24.20% 0.00 0.00% 0.00 0.00% 0.134 Bottom

2808 MS Stone Gulfport-Biloxi, MS MSA 7.62% 8.90% 3.34% 8.20% 0.00 0.00% 12.20 65.50% 0.134 Bottom

2809 AR Cleveland Pine Bluff, AR MSA 6.67% 5.00% 2.66% 3.90% 0.00 0.00% 48.78 97.20% 0.133 Bottom

2810 TX Foard Non-metro 10.56% 29.80% 2.56% 3.40% 0.00 0.00% 0.00 0.00% 0.133 Bottom

2811 LA Morehouse Non-metro 6.75% 5.20% 5.52% 27.90% 0.00 0.00% 0.00 0.00% 0.132 Bottom

2812 NE Franklin Non-metro 8.54% 14.70% 4.52% 18.20% 0.00 0.00% 0.00 0.00% 0.132 Bottom

2813 KY Menifee Non-metro 5.37% 1.90% 3.23% 7.30% 19.61 94.50% 0.00 0.00% 0.131 Bottom

2814 AL Clay Non-metro 9.75% 22.30% 3.62% 10.30% 0.00 0.00% 0.00 0.00% 0.130 Bottom

2815 KS Stevens Non-metro 10.26% 27.20% 2.92% 5.30% 0.00 0.00% 0.00 0.00% 0.130 Bottom

2816 KY Crittenden Non-metro 6.73% 5.20% 2.56% 3.40% 26.42 95.60% 0.00 0.00% 0.130 Bottom

2817 OK Roger Mills Non-metro 8.33% 13.50% 4.61% 19.00% 0.00 0.00% 0.00 0.00% 0.130 Bottom

2818 WV Cabell Huntington-Ashland, WV-KY-OH MSA 5.68% 2.60% 3.61% 10.10% 0.00 0.00% 18.11 79.10% 0.130 Bottom

2819 KS Scott Non-metro 7.22% 7.00% 2.30% 2.60% 0.00 0.00% 28.33 90.40% 0.129 Bottom

2820 KS Anderson Non-metro 9.21% 19.00% 3.96% 13.10% 0.00 0.00% 0.00 0.00% 0.128 Bottom

2821 IA Van Buren Non-metro 7.26% 7.10% 2.57% 3.50% 0.00 0.00% 23.04 85.70% 0.128 Bottom

93 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 94: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2822 KS Coffey Non-metro 8.84% 16.70% 4.24% 15.30% 0.00 0.00% 0.00 0.00% 0.128 Bottom

2823 IL Montgomery Non-metro 8.02% 11.60% 3.22% 7.30% 0.00 0.00% 8.18 51.60% 0.127 Bottom

2824 MS Perry Hattiesburg, MS MSA 7.92% 10.70% 3.13% 6.60% 0.00 0.00% 10.03 58.00% 0.127 Bottom

2825 OH Athens Non-metro 8.01% 11.50% 3.84% 12.10% 0.00 0.00% 2.33 32.50% 0.127 Bottom

2826 AR Bradley Non-metro 6.50% 4.40% 2.52% 3.30% 0.00 0.00% 36.13 94.30% 0.125 Bottom

2827 GA Wayne Non-metro 8.03% 11.60% 4.70% 19.60% 0.00 0.00% 0.00 0.00% 0.125 Bottom

2828 OK Texas Non-metro 9.19% 18.80% 3.86% 12.40% 0.00 0.00% 0.00 0.00% 0.125 Bottom

2829 OK Ellis Non-metro 8.31% 13.20% 4.49% 18.00% 0.00 0.00% 0.00 0.00% 0.125 Bottom

2830 LA Grant Alexandria, LA MSA 6.46% 4.30% 4.36% 16.60% 0.00 0.00% 4.97 40.60% 0.124 Bottom

2831 NE Keya Paha Non-metro 5.65% 2.50% 5.56% 28.50% 0.00 0.00% 0.00 0.00% 0.124 Bottom

2832 WV Harrison Non-metro 7.04% 6.30% 3.57% 9.70% 0.00 0.00% 10.62 60.00% 0.124 Bottom

2833 TN Johnson Non-metro 7.79% 10.00% 4.81% 20.90% 0.00 0.00% 0.00 0.00% 0.124 Bottom

2834 TX Coryell Killeen-Temple-Fort Hood, TX MSA 7.79% 10.00% 4.80% 20.80% 0.00 0.00% 0.00 0.00% 0.123 Bottom

2835 IA Davis Non-metro 9.21% 19.00% 3.78% 11.70% 0.00 0.00% 0.00 0.00% 0.123 Bottom

2836 WV Upshur Non-metro 7.30% 7.50% 3.90% 12.70% 0.00 0.00% 5.24 41.40% 0.122 Bottom

2837 KS Norton Non-metro 7.14% 6.60% 1.49% 0.70% 0.00 0.00% 31.75 92.30% 0.122 Bottom

2838 AL Monroe Non-metro 7.74% 9.70% 4.77% 20.60% 0.00 0.00% 0.00 0.00% 0.121 Bottom

2839 MN Pipestone Non-metro 7.01% 6.00% 3.68% 10.80% 0.00 0.00% 8.65 53.70% 0.121 Bottom

2840 WV Monroe Non-metro 8.78% 16.30% 4.03% 13.70% 0.00 0.00% 0.00 0.00% 0.120 Bottom

2841 AK Wade Hampton Non-metro 6.31% 4.00% 5.36% 25.90% 0.00 0.00% 0.00 0.00% 0.120 Bottom

2842 VA Covington Non-metro 7.89% 10.50% 4.65% 19.40% 0.00 0.00% 0.00 0.00% 0.120 Bottom

2843 GA Warren Non-metro 8.23% 12.50% 4.42% 17.30% 0.00 0.00% 0.00 0.00% 0.119 Bottom

2844 KY Meade Louisville/Jefferson County, KY-IN MSA 7.89% 10.50% 2.94% 5.40% 0.00 0.00% 9.02 55.00% 0.119 Bottom

2845 LA Avoyelles Non-metro 6.88% 5.70% 5.16% 23.90% 0.00 0.00% 0.00 0.00% 0.118 Bottom

2846 IN Benton Lafayette, IN MSA 8.67% 15.60% 4.04% 13.90% 0.00 0.00% 0.00 0.00% 0.118 Bottom

2847 TN Grundy Non-metro 6.86% 5.60% 3.28% 7.60% 0.00 0.00% 11.83 64.30% 0.117 Bottom

2848 GA Johnson Non-metro 8.28% 12.80% 4.34% 16.40% 0.00 0.00% 0.00 0.00% 0.117 Bottom

2849 SD Corson Non-metro 7.52% 8.50% 4.79% 20.70% 0.00 0.00% 0.00 0.00% 0.117 Bottom

2850 WY Hot Springs Non-metro 5.88% 2.90% 3.50% 9.10% 0.00 0.00% 13.37 68.80% 0.117 Bottom

2851 FL Jackson Non-metro 7.38% 7.80% 3.78% 11.70% 0.00 0.00% 4.24 38.10% 0.116 Bottom

2852 KS Cherokee Non-metro 9.16% 18.70% 3.63% 10.30% 0.00 0.00% 0.00 0.00% 0.116 Bottom

94 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 95: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2853 IA Sac Non-metro 7.26% 7.10% 3.57% 9.70% 0.00 0.00% 7.26 48.60% 0.116 Bottom

2854 WY Goshen Non-metro 7.72% 9.50% 3.30% 7.70% 0.00 0.00% 6.84 47.00% 0.116 Bottom

2855 KS Ottawa Non-metro 8.76% 16.10% 3.91% 12.80% 0.00 0.00% 0.00 0.00% 0.116 Bottom

2856 ND McIntosh Non-metro 8.15% 12.20% 4.36% 16.60% 0.00 0.00% 0.00 0.00% 0.115 Bottom

2857 KY Simpson Non-metro 8.55% 14.70% 4.05% 14.00% 0.00 0.00% 0.00 0.00% 0.115 Bottom

2858 KS Doniphan St. Joseph, MO-KS MSA 9.93% 24.00% 2.83% 4.60% 0.00 0.00% 0.00 0.00% 0.114 Bottom

2859 OK Haskell Non-metro 7.71% 9.40% 3.02% 5.90% 0.00 0.00% 8.47 53.20% 0.114 Bottom

2860 LA Catahoula Non-metro 5.62% 2.40% 2.16% 1.90% 39.32 97.10% 0.00 0.00% 0.114 Bottom

2861 AR Polk Non-metro 6.26% 3.90% 2.71% 4.00% 0.00 0.00% 20.58 82.50% 0.114 Bottom

2862 MS Scott Non-metro 6.56% 4.70% 1.94% 1.40% 0.00 0.00% 27.47 89.60% 0.114 Bottom

2863 ND Kidder Non-metro 8.33% 13.50% 4.21% 15.00% 0.00 0.00% 0.00 0.00% 0.114 Bottom

2864 MS Wilkinson Non-metro 9.32% 19.90% 3.36% 8.30% 0.00 0.00% 0.00 0.00% 0.113 Bottom

2865 TN Hardin Non-metro 8.11% 11.80% 3.13% 6.60% 0.00 0.00% 4.56 39.20% 0.113 Bottom

2866 TX Milam Non-metro 7.92% 10.70% 3.29% 7.70% 0.00 0.00% 4.55 39.20% 0.113 Bottom

2867 OK Atoka Non-metro 7.32% 7.60% 4.78% 20.60% 0.00 0.00% 0.00 0.00% 0.113 Bottom

2868 NE Hitchcock Non-metro 6.54% 4.50% 1.89% 1.20% 0.00 0.00% 27.25 89.40% 0.112 Bottom

2869 TN Franklin Non-metro 6.88% 5.70% 3.11% 6.30% 0.00 0.00% 11.66 63.60% 0.112 Bottom

2870 TX Jeff Davis Non-metro 8.24% 12.70% 4.22% 15.20% 0.00 0.00% 0.00 0.00% 0.112 Bottom

2871 IL Hardin Non-metro 10.29% 27.50% 1.03% 0.30% 0.00 0.00% 0.00 0.00% 0.111 Bottom

2872 AR Clay Non-metro 8.31% 13.20% 4.14% 14.50% 0.00 0.00% 0.00 0.00% 0.111 Bottom

2873 KY Trigg Clarksville, TN-KY MSA 7.22% 7.00% 2.33% 2.70% 0.00 0.00% 14.59 71.90% 0.111 Bottom

2874 SD Hyde Non-metro 4.21% 0.90% 2.16% 1.90% 447.76 99.50% 0.00 0.00% 0.111 Bottom

2875 NE Cheyenne Non-metro 8.98% 17.70% 3.60% 9.90% 0.00 0.00% 0.00 0.00% 0.110 Bottom

2876 ND Divide Non-metro 8.19% 12.30% 4.24% 15.30% 0.00 0.00% 0.00 0.00% 0.110 Bottom

2877 MS Copiah Jackson, MS MSA 5.65% 2.50% 2.62% 3.70% 0.00 0.00% 22.74 85.40% 0.110 Bottom

2878 GA Pulaski Non-metro 4.69% 1.20% 2.60% 3.60% 0.00 0.00% 28.74 90.70% 0.110 Bottom

2879 IA Emmet Non-metro 7.66% 9.10% 4.54% 18.30% 0.00 0.00% 0.00 0.00% 0.110 Bottom

2880 MO Saline Non-metro 8.37% 13.80% 4.01% 13.50% 0.00 0.00% 0.00 0.00% 0.109 Bottom

2881 NE Nuckolls Non-metro 7.84% 10.20% 4.39% 17.00% 0.00 0.00% 0.00 0.00% 0.109 Bottom

2882 WV Logan Non-metro 6.32% 4.00% 3.08% 6.20% 0.00 0.00% 13.12 67.90% 0.109 Bottom

2883 KS Cheyenne Non-metro 8.14% 12.10% 4.20% 15.00% 0.00 0.00% 0.00 0.00% 0.108 Bottom

95 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 96: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2884 IA Hancock Non-metro 7.97% 11.10% 4.29% 15.90% 0.00 0.00% 0.00 0.00% 0.108 Bottom

2885 KS Lincoln Non-metro 6.71% 5.10% 1.45% 0.70% 0.00 0.00% 21.65 84.10% 0.107 Bottom

2886 CO Otero Non-metro 7.96% 11.00% 4.27% 15.80% 0.00 0.00% 0.00 0.00% 0.107 Bottom

2887 MS Jefferson Non-metro 5.18% 1.70% 1.44% 0.60% 0.00 0.00% 54.57 98.00% 0.107 Bottom

2888 TN Pickett Non-metro 8.89% 17.10% 3.55% 9.50% 0.00 0.00% 0.00 0.00% 0.106 Bottom

2889 KS Graham Non-metro 9.56% 21.30% 2.92% 5.30% 0.00 0.00% 0.00 0.00% 0.106 Bottom

2890 AL Randolph Non-metro 8.33% 13.40% 3.95% 13.10% 0.00 0.00% 0.00 0.00% 0.106 Bottom

2891 TX Kinney Non-metro 9.93% 24.10% 2.25% 2.40% 0.00 0.00% 0.00 0.00% 0.106 Bottom

2892 SD Stanley Non-metro 8.33% 13.60% 3.91% 12.80% 0.00 0.00% 0.00 0.00% 0.106 Bottom

2893 OH Adams Non-metro 8.12% 12.00% 4.11% 14.30% 0.00 0.00% 0.00 0.00% 0.105 Bottom

2894 MI Presque Isle Non-metro 7.56% 8.60% 4.44% 17.50% 0.00 0.00% 0.00 0.00% 0.104 Bottom

2895 MN Watonwan Non-metro 7.50% 8.30% 2.63% 3.70% 0.00 0.00% 9.26 55.70% 0.104 Bottom

2896 WV Ohio Wheeling, WV-OH MSA 7.28% 7.40% 3.64% 10.40% 0.00 0.00% 2.36 32.50% 0.104 Bottom

2897 KS Barber Non-metro 8.31% 13.20% 3.90% 12.70% 0.00 0.00% 0.00 0.00% 0.104 Bottom

2898 AR Monroe Non-metro 7.35% 7.70% 4.49% 18.00% 0.00 0.00% 0.00 0.00% 0.103 Bottom

2899 IA Page Non-metro 7.20% 6.80% 3.23% 7.30% 0.00 0.00% 6.49 45.90% 0.102 Bottom

2900 MS Tunica Memphis, TN-MS-AR MSA 6.55% 4.60% 3.14% 6.80% 0.00 0.00% 9.36 56.00% 0.102 Bottom

2901 LA Evangeline Non-metro 7.02% 6.10% 3.48% 8.90% 0.00 0.00% 5.18 41.30% 0.101 Bottom

2902 TN Lawrence Non-metro 7.79% 9.90% 3.16% 6.80% 0.00 0.00% 3.08 34.40% 0.101 Bottom

2903 TN Bledsoe Non-metro 9.88% 23.60% 2.08% 1.70% 0.00 0.00% 0.00 0.00% 0.101 Bottom

2904 AR Logan Non-metro 7.61% 8.90% 4.33% 16.30% 0.00 0.00% 0.00 0.00% 0.101 Bottom

2905 KS Rooks Non-metro 8.79% 16.40% 3.47% 8.80% 0.00 0.00% 0.00 0.00% 0.101 Bottom

2906 MO Clark Non-metro 8.90% 17.20% 3.32% 8.00% 0.00 0.00% 0.00 0.00% 0.101 Bottom

2907 TX Terrell Non-metro 3.66% 0.40% 0.00% 0.00% 108.70 98.90% 0.00 0.00% 0.101 Bottom

2908 MN Kittson Non-metro 8.53% 14.60% 3.65% 10.50% 0.00 0.00% 0.00 0.00% 0.100 Bottom

2909 KS Nemaha Non-metro 7.67% 9.20% 2.32% 2.60% 0.00 0.00% 8.43 53.10% 0.100 Bottom

2910 MI Alcona Non-metro 6.82% 5.50% 4.65% 19.40% 0.00 0.00% 0.00 0.00% 0.100 Bottom

2911 TX Red River Non-metro 6.73% 5.20% 3.20% 7.00% 0.00 0.00% 7.82 50.50% 0.099 Bottom

2912 KY Trimble Louisville/Jefferson County, KY-IN MSA 8.33% 13.40% 3.77% 11.40% 0.00 0.00% 0.00 0.00% 0.099 Bottom

2913 SD Charles Mix Non-metro 6.87% 5.60% 2.71% 4.00% 0.00 0.00% 10.91 60.80% 0.099 Bottom

2914 TN Giles Non-metro 7.28% 7.30% 3.34% 8.20% 0.00 0.00% 4.04 37.20% 0.099 Bottom

96 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 97: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2915 KY Morgan Non-metro 3.85% 0.50% 1.18% 0.40% 23.31 95.20% 0.00 0.00% 0.099 Bottom

2916 TN Sequatchie Chattanooga, TN-GA MSA 8.77% 16.20% 3.38% 8.40% 0.00 0.00% 0.00 0.00% 0.098 Bottom

2917 TN Van Buren Non-metro 8.11% 11.90% 3.90% 12.70% 0.00 0.00% 0.00 0.00% 0.098 Bottom

2918 ND Towner Non-metro 8.13% 12.10% 3.86% 12.40% 0.00 0.00% 0.00 0.00% 0.098 Bottom

2919 AR Sevier Non-metro 4.96% 1.40% 2.16% 1.90% 0.00 0.00% 22.05 84.40% 0.098 Bottom

2920 KS Wilson Non-metro 7.08% 6.50% 2.48% 3.20% 0.00 0.00% 9.97 57.80% 0.097 Bottom

2921 KS Ellsworth Non-metro 8.43% 14.20% 3.58% 9.80% 0.00 0.00% 0.00 0.00% 0.096 Bottom

2922 TN Fentress Non-metro 7.29% 7.40% 2.80% 4.60% 0.00 0.00% 7.08 47.90% 0.096 Bottom

2923 GA Jeff Davis Non-metro 6.45% 4.30% 2.14% 1.80% 0.00 0.00% 14.34 71.40% 0.096 Bottom

2924 KS Woodson Non-metro 4.92% 1.40% 1.82% 1.10% 0.00 0.00% 23.42 85.80% 0.096 Bottom

2925 MS Tate Memphis, TN-MS-AR MSA 7.58% 8.70% 4.22% 15.20% 0.00 0.00% 0.00 0.00% 0.096 Bottom

2926 CO Costilla Non-metro 9.62% 21.50% 2.21% 2.30% 0.00 0.00% 0.00 0.00% 0.095 Bottom

2927 MS Washington Non-metro 7.50% 8.40% 3.25% 7.50% 0.00 0.00% 1.68 31.60% 0.095 Bottom

2928 TN Claiborne Non-metro 5.51% 2.10% 3.77% 11.40% 0.00 0.00% 5.15 41.20% 0.095 Bottom

2929 KS Washington Non-metro 5.59% 2.30% 2.86% 4.80% 0.00 0.00% 12.71 66.70% 0.095 Bottom

2930 IN Newton Gary, IN MD 7.85% 10.30% 1.86% 1.10% 0.00 0.00% 7.55 49.40% 0.095 Bottom

2931 MS Tishomingo Non-metro 7.98% 11.40% 3.84% 12.10% 0.00 0.00% 0.00 0.00% 0.094 Bottom

2932 WV Mason Non-metro 4.30% 0.90% 2.48% 3.20% 0.00 0.00% 17.33 77.40% 0.094 Bottom

2933 IA Shelby Non-metro 6.88% 5.70% 3.12% 6.50% 0.00 0.00% 6.14 44.50% 0.093 Bottom

2934 AR Randolph Non-metro 7.57% 8.70% 4.14% 14.50% 0.00 0.00% 0.00 0.00% 0.093 Bottom

2935 FL Hamilton Non-metro 7.90% 10.60% 3.89% 12.60% 0.00 0.00% 0.00 0.00% 0.093 Bottom

2936 AR Fulton Non-metro 7.73% 9.60% 4.01% 13.50% 0.00 0.00% 0.00 0.00% 0.092 Bottom

2937 SD Bon Homme Non-metro 8.85% 16.80% 3.08% 6.20% 0.00 0.00% 0.00 0.00% 0.092 Bottom

2938 GA Polk Non-metro 7.71% 9.50% 4.00% 13.40% 0.00 0.00% 0.00 0.00% 0.092 Bottom

2939 SD Jones Non-metro 9.55% 21.20% 2.11% 1.70% 0.00 0.00% 0.00 0.00% 0.092 Bottom

2940 AR Scott Non-metro 5.41% 1.90% 2.66% 3.90% 0.00 0.00% 13.19 68.00% 0.091 Bottom

2941 OH Monroe Non-metro 6.31% 4.00% 2.73% 4.30% 0.00 0.00% 9.86 57.40% 0.091 Bottom

2942 OK Alfalfa Non-metro 8.96% 17.50% 2.90% 5.10% 0.00 0.00% 0.00 0.00% 0.090 Bottom

2943 GA Liberty Hinesville-Fort Stewart, GA MSA 6.81% 5.40% 3.49% 9.00% 0.00 0.00% 2.41 32.70% 0.090 Bottom

2944 TX Reeves Non-metro 9.01% 17.90% 2.80% 4.60% 0.00 0.00% 0.00 0.00% 0.090 Bottom

2945 NE Valley Non-metro 8.52% 14.60% 3.31% 7.80% 0.00 0.00% 0.00 0.00% 0.090 Bottom

97 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 98: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2946 MS Kemper Non-metro 3.98% 0.50% 2.06% 1.60% 0.00 0.00% 19.40 80.70% 0.089 Bottom

2947 MS Panola Non-metro 6.81% 5.40% 3.37% 8.40% 0.00 0.00% 2.54 32.90% 0.088 Bottom

2948 GA Randolph Non-metro 7.68% 9.30% 3.90% 12.70% 0.00 0.00% 0.00 0.00% 0.088 Bottom

2949 LA Washington Non-metro 8.11% 11.90% 3.61% 10.10% 0.00 0.00% 0.00 0.00% 0.088 Bottom

2950 IL Jasper Non-metro 7.40% 7.90% 4.06% 14.10% 0.00 0.00% 0.00 0.00% 0.088 Bottom

2951 MS Greene Non-metro 4.85% 1.30% 2.98% 5.70% 0.00 0.00% 10.31 59.00% 0.087 Bottom

2952 NE Arthur Non-metro 8.93% 17.30% 2.78% 4.40% 0.00 0.00% 0.00 0.00% 0.087 Bottom

2953 KS Gove Non-metro 8.84% 16.70% 2.89% 4.90% 0.00 0.00% 0.00 0.00% 0.086 Bottom

2954 IA Union Non-metro 7.25% 7.10% 4.12% 14.40% 0.00 0.00% 0.00 0.00% 0.086 Bottom

2955 MN Yellow Medicine Non-metro 8.60% 15.20% 3.10% 6.30% 0.00 0.00% 0.00 0.00% 0.086 Bottom

2956 IL Edgar Non-metro 6.16% 3.60% 3.12% 6.50% 0.00 0.00% 6.29 45.20% 0.086 Bottom

2957 WV Pendleton Non-metro 5.51% 2.10% 2.72% 4.20% 0.00 0.00% 10.59 59.80% 0.085 Bottom

2958 NE Kimball Non-metro 8.30% 13.10% 3.32% 8.00% 0.00 0.00% 0.00 0.00% 0.084 Bottom

2959 TN Overton Non-metro 8.73% 15.90% 2.91% 5.20% 0.00 0.00% 0.00 0.00% 0.084 Bottom

2960 GA Wilkes Non-metro 7.87% 10.40% 3.66% 10.60% 0.00 0.00% 0.00 0.00% 0.084 Bottom

2961 MO Maries Non-metro 8.52% 14.50% 3.12% 6.50% 0.00 0.00% 0.00 0.00% 0.084 Bottom

2962 ND Steele Non-metro 8.21% 12.50% 3.39% 8.40% 0.00 0.00% 0.00 0.00% 0.084 Bottom

2963 OK Pushmataha Non-metro 7.40% 7.90% 3.92% 13.00% 0.00 0.00% 0.00 0.00% 0.084 Bottom

2964 NE Deuel Non-metro 6.37% 4.10% 4.37% 16.70% 0.00 0.00% 0.00 0.00% 0.083 Bottom

2965 SD Tripp Non-metro 7.00% 5.90% 4.19% 14.90% 0.00 0.00% 0.00 0.00% 0.083 Bottom

2966 TN Haywood Non-metro 7.55% 8.50% 3.85% 12.20% 0.00 0.00% 0.00 0.00% 0.083 Bottom

2967 IA Ida Non-metro 5.65% 2.40% 2.64% 3.80% 0.00 0.00% 9.91 57.60% 0.082 Bottom

2968 KS Rice Non-metro 7.93% 10.90% 3.57% 9.70% 0.00 0.00% 0.00 0.00% 0.082 Bottom

2969 KS Wallace Non-metro 7.69% 9.30% 3.74% 11.20% 0.00 0.00% 0.00 0.00% 0.082 Bottom

2970 OK Greer Non-metro 4.09% 0.80% 1.66% 1.00% 0.00 0.00% 15.75 74.60% 0.082 Bottom

2971 MS Claiborne Non-metro 4.05% 0.60% 2.39% 2.90% 0.00 0.00% 13.05 67.70% 0.082 Bottom

2972 IA Buena Vista Non-metro 7.20% 6.70% 2.58% 3.50% 0.00 0.00% 5.07 40.90% 0.082 Bottom

2973 WV Lincoln Charleston, WV MSA 4.07% 0.70% 2.84% 4.70% 0.00 0.00% 10.57 59.70% 0.081 Bottom

2974 MN Red Lake Non-metro 8.33% 13.50% 3.16% 6.80% 0.00 0.00% 0.00 0.00% 0.081 Bottom

2975 TN Hancock Non-metro 7.90% 10.60% 3.56% 9.60% 0.00 0.00% 0.00 0.00% 0.081 Bottom

2976 OK Jackson Non-metro 7.46% 8.20% 3.82% 11.90% 0.00 0.00% 0.00 0.00% 0.080 Bottom

98 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 99: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

2977 LA Beauregard Non-metro 7.59% 8.80% 3.74% 11.20% 0.00 0.00% 0.00 0.00% 0.080 Bottom

2978 TN Lewis Non-metro 7.82% 10.10% 3.60% 9.90% 0.00 0.00% 0.00 0.00% 0.080 Bottom

2979 ND Sargent Non-metro 7.75% 9.80% 3.61% 10.10% 0.00 0.00% 0.00 0.00% 0.080 Bottom

2980 WV Grant Non-metro 7.11% 6.60% 3.97% 13.20% 0.00 0.00% 0.00 0.00% 0.079 Bottom

2981 GA Wilkinson Non-metro 8.46% 14.20% 2.96% 5.50% 0.00 0.00% 0.00 0.00% 0.079 Bottom

2982 TX Fisher Non-metro 7.56% 8.60% 3.72% 11.00% 0.00 0.00% 0.00 0.00% 0.078 Bottom

2983 MN Roseau Non-metro 7.23% 7.00% 2.17% 2.10% 0.00 0.00% 4.99 40.70% 0.077 Bottom

2984 TX Collingsworth Non-metro 7.49% 8.20% 3.72% 11.00% 0.00 0.00% 0.00 0.00% 0.077 Bottom

2985 WV Mineral Cumberland, MD-WV MSA 5.41% 1.90% 2.96% 5.50% 0.00 0.00% 6.85 47.10% 0.077 Bottom

2986 CO Sedgwick Non-metro 7.28% 7.40% 3.78% 11.70% 0.00 0.00% 0.00 0.00% 0.076 Bottom

2987 TN Warren Non-metro 7.50% 8.40% 2.19% 2.10% 0.00 0.00% 2.66 33.10% 0.075 Bottom

2988 KY Robertson Non-metro 5.97% 3.10% 4.26% 15.60% 0.00 0.00% 0.00 0.00% 0.075 Bottom

2989 NE Banner Non-metro 7.04% 6.40% 3.85% 12.20% 0.00 0.00% 0.00 0.00% 0.074 Bottom

2990 WV Roane Non-metro 3.38% 0.30% 2.10% 1.70% 0.00 0.00% 12.36 66.00% 0.074 Bottom

2991 IA Kossuth Non-metro 7.94% 10.90% 3.25% 7.50% 0.00 0.00% 0.00 0.00% 0.074 Bottom

2992 MS Montgomery Non-metro 7.38% 7.80% 3.63% 10.30% 0.00 0.00% 0.00 0.00% 0.072 Bottom

2993 KS Marshall Non-metro 8.23% 12.60% 2.95% 5.40% 0.00 0.00% 0.00 0.00% 0.072 Bottom

2994 IA Fayette Non-metro 6.29% 3.90% 2.77% 4.30% 0.00 0.00% 4.46 38.90% 0.072 Bottom

2995 IL Edwards Non-metro 8.04% 11.70% 3.06% 6.10% 0.00 0.00% 0.00 0.00% 0.071 Bottom

2996 KS Kiowa Non-metro 8.73% 15.90% 2.16% 1.90% 0.00 0.00% 0.00 0.00% 0.071 Bottom

2997 WV Wood Parkersburg-Marietta-Vienna, WV-OH MSA 5.45% 2.00% 3.12% 6.50% 0.00 0.00% 3.56 35.90% 0.070 Bottom

2998 KS Comanche Non-metro 6.25% 3.80% 4.00% 13.40% 0.00 0.00% 0.00 0.00% 0.069 Bottom

2999 AR Nevada Non-metro 8.13% 12.00% 2.91% 5.20% 0.00 0.00% 0.00 0.00% 0.069 Bottom

3000 SC Allendale Non-metro 7.59% 8.80% 3.39% 8.40% 0.00 0.00% 0.00 0.00% 0.069 Bottom

3001 TX Presidio Non-metro 8.64% 15.30% 2.16% 1.90% 0.00 0.00% 0.00 0.00% 0.069 Bottom

3002 NE Nance Non-metro 7.31% 7.50% 3.55% 9.50% 0.00 0.00% 0.00 0.00% 0.068 Bottom

3003 SD Douglas Non-metro 7.36% 7.80% 3.51% 9.20% 0.00 0.00% 0.00 0.00% 0.068 Bottom

3004 TN DeKalb Non-metro 6.77% 5.30% 3.78% 11.70% 0.00 0.00% 0.00 0.00% 0.068 Bottom

3005 WV Hancock Steubenville-Weirton, OH-WV MSA 4.06% 0.70% 2.95% 5.40% 0.00 0.00% 5.91 43.60% 0.068 Bottom

3006 IA Pocahontas Non-metro 8.01% 11.50% 2.91% 5.20% 0.00 0.00% 0.00 0.00% 0.067 Bottom

3007 MS Coahoma Non-metro 7.34% 7.60% 3.48% 8.90% 0.00 0.00% 0.00 0.00% 0.066 Bottom

99 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 100: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

3008 MS Adams Non-metro 7.46% 8.10% 3.35% 8.30% 0.00 0.00% 0.00 0.00% 0.066 Bottom

3009 NE Dixon Sioux City, IA-NE-SD MSA 7.38% 7.80% 3.44% 8.60% 0.00 0.00% 0.00 0.00% 0.066 Bottom

3010 WV Preston Morgantown, WV MSA 4.58% 1.10% 2.90% 5.10% 0.00 0.00% 4.87 40.30% 0.065 Bottom

3011 NE Garden Non-metro 7.67% 9.20% 3.17% 6.90% 0.00 0.00% 0.00 0.00% 0.064 Bottom

3012 WV Barbour Non-metro 5.92% 2.90% 2.23% 2.30% 0.00 0.00% 5.92 43.60% 0.064 Bottom

3013 IA Winnebago Non-metro 8.26% 12.80% 2.48% 3.20% 0.00 0.00% 0.00 0.00% 0.064 Bottom

3014 KY Breckinridge Non-metro 7.31% 7.50% 3.40% 8.50% 0.00 0.00% 0.00 0.00% 0.064 Bottom

3015 TN Marion Chattanooga, TN-GA MSA 7.82% 10.10% 3.01% 5.80% 0.00 0.00% 0.00 0.00% 0.064 Bottom

3016 MS Benton Non-metro 7.04% 6.40% 3.52% 9.30% 0.00 0.00% 0.00 0.00% 0.063 Bottom

3017 WV Marion Non-metro 5.46% 2.10% 2.71% 4.00% 0.00 0.00% 4.34 38.40% 0.063 Bottom

3018 WV Taylor Non-metro 6.07% 3.50% 3.85% 12.20% 0.00 0.00% 0.00 0.00% 0.063 Bottom

3019 IL Stark Peoria, IL MSA 8.28% 12.90% 2.32% 2.60% 0.00 0.00% 0.00 0.00% 0.062 Bottom

3020 IA O'Brien Non-metro 7.16% 6.70% 3.45% 8.70% 0.00 0.00% 0.00 0.00% 0.062 Bottom

3021 NE Rock Non-metro 6.42% 4.20% 3.70% 10.90% 0.00 0.00% 0.00 0.00% 0.060 Bottom

3022 TX Coke Non-metro 6.25% 3.80% 3.76% 11.30% 0.00 0.00% 0.00 0.00% 0.060 Bottom

3023 KS Pratt Non-metro 7.04% 6.30% 3.46% 8.70% 0.00 0.00% 0.00 0.00% 0.060 Bottom

3024 TX Trinity Non-metro 7.67% 9.20% 2.99% 5.70% 0.00 0.00% 0.00 0.00% 0.060 Bottom

3025 KS Rush Non-metro 7.23% 7.10% 3.30% 7.70% 0.00 0.00% 0.00 0.00% 0.059 Bottom

3026 IA Buchanan Non-metro 5.35% 1.80% 2.48% 3.20% 0.00 0.00% 4.46 38.80% 0.059 Bottom

3027 UT Daggett Non-metro 8.46% 14.30% 1.19% 0.40% 0.00 0.00% 0.00 0.00% 0.059 Bottom

3028 MS Sunflower Non-metro 4.43% 1.00% 1.91% 1.20% 0.00 0.00% 7.64 49.90% 0.059 Bottom

3029 NE Johnson Non-metro 5.97% 3.20% 3.77% 11.40% 0.00 0.00% 0.00 0.00% 0.058 Bottom

3030 SD Hutchinson Non-metro 8.23% 12.60% 2.14% 1.80% 0.00 0.00% 0.00 0.00% 0.058 Bottom

3031 WV Randolph Non-metro 4.35% 1.00% 1.99% 1.50% 0.00 0.00% 6.94 47.50% 0.058 Bottom

3032 WV Wyoming Non-metro 5.43% 2.00% 2.02% 1.50% 0.00 0.00% 5.77 43.30% 0.057 Bottom

3033 GA Clay Non-metro 8.17% 12.20% 2.19% 2.10% 0.00 0.00% 0.00 0.00% 0.057 Bottom

3034 NE Blaine Non-metro 6.19% 3.70% 3.66% 10.60% 0.00 0.00% 0.00 0.00% 0.057 Bottom

3035 AR Howard Non-metro 5.62% 2.30% 1.39% 0.60% 0.00 0.00% 6.39 45.50% 0.057 Bottom

3036 KY Livingston Non-metro 6.58% 4.80% 3.51% 9.20% 0.00 0.00% 0.00 0.00% 0.056 Bottom

3037 MO Ozark Non-metro 8.24% 12.70% 1.91% 1.20% 0.00 0.00% 0.00 0.00% 0.056 Bottom

3038 WV Doddridge Non-metro 7.39% 7.90% 3.04% 6.00% 0.00 0.00% 0.00 0.00% 0.056 Bottom

100 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 101: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

3039 KS Jewell Non-metro 6.53% 4.50% 3.53% 9.30% 0.00 0.00% 0.00 0.00% 0.055 Bottom

3040 NE Boone Non-metro 7.03% 6.20% 3.24% 7.40% 0.00 0.00% 0.00 0.00% 0.054 Bottom

3041 LA West Carroll Non-metro 5.95% 3.10% 3.64% 10.40% 0.00 0.00% 0.00 0.00% 0.054 Bottom

3042 MS Sharkey Non-metro 6.55% 4.60% 3.48% 8.90% 0.00 0.00% 0.00 0.00% 0.054 Bottom

3043 NE Brown Non-metro 6.81% 5.50% 3.31% 7.80% 0.00 0.00% 0.00 0.00% 0.053 Bottom

3044 WV Wayne Huntington-Ashland, WV-KY-OH MSA 5.06% 1.50% 2.59% 3.50% 0.00 0.00% 2.51 32.90% 0.053 Bottom

3045 FL Highlands Non-metro 4.64% 1.10% 2.72% 4.20% 0.00 0.00% 0.49 31.20% 0.052 Bottom

3046 AR Chicot Non-metro 7.01% 6.00% 3.17% 6.90% 0.00 0.00% 0.00 0.00% 0.052 Bottom

3047 IL Menard Springfield, IL MSA 6.99% 5.90% 3.18% 7.00% 0.00 0.00% 0.00 0.00% 0.052 Bottom

3048 WV Gilmer Non-metro 4.13% 0.80% 3.84% 12.10% 0.00 0.00% 0.00 0.00% 0.052 Bottom

3049 WV Jefferson Washington-Arlington-Alexandria, DC-VA-MD-WV MD 5.66% 2.50% 3.58% 9.80% 0.00 0.00% 0.00 0.00% 0.049 Bottom

3050 WV Hampshire Winchester, VA-WV MSA 5.33% 1.80% 1.99% 1.50% 0.00 0.00% 3.56 35.80% 0.049 Bottom

3051 LA Madison Non-metro 3.82% 0.40% 1.55% 0.80% 0.00 0.00% 6.06 44.10% 0.049 Bottom

3052 LA LaSalle Non-metro 7.05% 6.40% 3.00% 5.80% 0.00 0.00% 0.00 0.00% 0.049 Bottom

3053 IL Schuyler Non-metro 6.00% 3.30% 3.47% 8.80% 0.00 0.00% 0.00 0.00% 0.048 Bottom

3054 GA Jasper Atlanta-Sandy Springs-Marietta, GA MSA 6.68% 5.00% 3.21% 7.10% 0.00 0.00% 0.00 0.00% 0.048 Bottom

3055 NE Webster Non-metro 6.02% 3.40% 3.44% 8.60% 0.00 0.00% 0.00 0.00% 0.048 Bottom

3056 TN Scott Non-metro 7.66% 9.10% 2.41% 2.90% 0.00 0.00% 0.00 0.00% 0.048 Bottom

3057 WV Summers Non-metro 6.60% 4.90% 3.21% 7.10% 0.00 0.00% 0.00 0.00% 0.048 Bottom

3058 KS Phillips Non-metro 6.01% 3.30% 3.36% 8.30% 0.00 0.00% 0.00 0.00% 0.046 Bottom

3059 MO Mississippi Non-metro 7.59% 8.80% 2.33% 2.70% 0.00 0.00% 0.00 0.00% 0.046 Bottom

3060 AR Desha Non-metro 7.78% 9.90% 1.94% 1.40% 0.00 0.00% 0.00 0.00% 0.045 Bottom

3061 WV Brooke Steubenville-Weirton, OH-WV MSA 4.05% 0.70% 2.20% 2.20% 0.00 0.00% 2.81 33.60% 0.045 Bottom

3062 AR Newton Non-metro 6.52% 4.40% 3.14% 6.80% 0.00 0.00% 0.00 0.00% 0.045 Bottom

3063 WV Marshall Wheeling, WV-OH MSA 6.07% 3.50% 3.29% 7.70% 0.00 0.00% 0.00 0.00% 0.045 Bottom

3064 WV Mingo Non-metro 6.66% 5.00% 3.06% 6.10% 0.00 0.00% 0.00 0.00% 0.044 Bottom

3065 MO Carroll Non-metro 6.46% 4.30% 3.16% 6.80% 0.00 0.00% 0.00 0.00% 0.044 Bottom

3066 TN Union Knoxville, TN MSA 7.00% 6.00% 2.89% 4.90% 0.00 0.00% 0.00 0.00% 0.044 Bottom

3067 FL Lafayette Non-metro 7.54% 8.50% 2.22% 2.30% 0.00 0.00% 0.00 0.00% 0.043 Bottom

3068 TN Houston Non-metro 7.26% 7.20% 2.58% 3.50% 0.00 0.00% 0.00 0.00% 0.043 Bottom

3069 SD Gregory Non-metro 5.79% 2.80% 3.31% 7.80% 0.00 0.00% 0.00 0.00% 0.042 Bottom

101 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 102: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

3070 KS Sumner Wichita, KS MSA 7.03% 6.20% 2.77% 4.30% 0.00 0.00% 0.00 0.00% 0.042 Bottom

3071 WV Tucker Non-metro 5.90% 2.90% 3.27% 7.60% 0.00 0.00% 0.00 0.00% 0.042 Bottom

3072 KS Morton Non-metro 6.60% 4.90% 2.96% 5.50% 0.00 0.00% 0.00 0.00% 0.042 Bottom

3073 MO Pemiscot Non-metro 7.42% 8.00% 2.26% 2.40% 0.00 0.00% 0.00 0.00% 0.042 Bottom

3074 SD Shannon Non-metro 7.75% 9.80% 1.32% 0.50% 0.00 0.00% 0.00 0.00% 0.041 Bottom

3075 IL Hancock Non-metro 6.19% 3.70% 3.13% 6.60% 0.00 0.00% 0.00 0.00% 0.041 Bottom

3076 MS Choctaw Non-metro 6.75% 5.30% 2.84% 4.70% 0.00 0.00% 0.00 0.00% 0.040 Bottom

3077 IL Scott Non-metro 6.37% 4.10% 3.00% 5.80% 0.00 0.00% 0.00 0.00% 0.040 Bottom

3078 OH Pike Non-metro 6.12% 3.50% 3.06% 6.10% 0.00 0.00% 0.00 0.00% 0.038 Bottom

3079 TX Delta Dallas-Plano-Irving, TX MD 6.19% 3.70% 3.02% 5.90% 0.00 0.00% 0.00 0.00% 0.038 Bottom

3080 KS Greenwood Non-metro 6.54% 4.60% 2.87% 4.90% 0.00 0.00% 0.00 0.00% 0.038 Bottom

3081 WV Hardy Non-metro 5.44% 2.00% 3.20% 7.00% 0.00 0.00% 0.00 0.00% 0.036 Bottom

3082 KS Trego Non-metro 4.90% 1.40% 3.21% 7.10% 0.00 0.00% 0.00 0.00% 0.034 Bottom

3083 LA Franklin Non-metro 5.62% 2.40% 3.05% 6.10% 0.00 0.00% 0.00 0.00% 0.034 Bottom

3084 OH Jackson Non-metro 6.40% 4.20% 2.69% 4.00% 0.00 0.00% 0.00 0.00% 0.033 Bottom

3085 MO Wayne Non-metro 7.10% 6.60% 1.97% 1.40% 0.00 0.00% 0.00 0.00% 0.032 Bottom

3086 MS George Pascagoula, MS MSA 6.75% 5.30% 2.31% 2.60% 0.00 0.00% 0.00 0.00% 0.032 Bottom

3087 TN Hardeman Non-metro 6.03% 3.40% 2.79% 4.50% 0.00 0.00% 0.00 0.00% 0.032 Bottom

3088 IA Cherokee Non-metro 6.34% 4.10% 2.59% 3.50% 0.00 0.00% 0.00 0.00% 0.030 Bottom

3089 VA Craig Roanoke, VA MSA 5.75% 2.70% 2.86% 4.80% 0.00 0.00% 0.00 0.00% 0.030 Bottom

3090 TX Haskell Non-metro 6.23% 3.80% 2.63% 3.70% 0.00 0.00% 0.00 0.00% 0.030 Bottom

3091 IL Cass Non-metro 6.03% 3.40% 2.65% 3.80% 0.00 0.00% 0.00 0.00% 0.029 Bottom

3092 AL Wilcox Non-metro 6.44% 4.20% 2.41% 2.90% 0.00 0.00% 0.00 0.00% 0.028 Bottom

3093 LA Jackson Non-metro 5.16% 1.70% 2.95% 5.40% 0.00 0.00% 0.00 0.00% 0.028 Bottom

3094 AR Pike Non-metro 6.60% 4.80% 2.20% 2.20% 0.00 0.00% 0.00 0.00% 0.028 Bottom

3095 KS Smith Non-metro 5.96% 3.10% 2.65% 3.80% 0.00 0.00% 0.00 0.00% 0.028 Bottom

3096 NE Boyd Non-metro 4.32% 0.90% 3.04% 6.00% 0.00 0.00% 0.00 0.00% 0.028 Bottom

3097 MS Franklin Non-metro 7.05% 6.40% 1.13% 0.40% 0.00 0.00% 0.00 0.00% 0.027 Bottom

3098 KS Chase Non-metro 5.58% 2.20% 2.79% 4.50% 0.00 0.00% 0.00 0.00% 0.027 Bottom

3099 TX Dickens Non-metro 5.56% 2.20% 2.78% 4.40% 0.00 0.00% 0.00 0.00% 0.026 Bottom

3100 TN Moore Non-metro 6.63% 4.90% 2.04% 1.60% 0.00 0.00% 0.00 0.00% 0.026 Bottom

102 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 103: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

3101 LA Concordia Non-metro 6.04% 3.50% 2.41% 2.90% 0.00 0.00% 0.00 0.00% 0.026 Bottom

3102 LA St. James Non-metro 5.03% 1.50% 2.85% 4.80% 0.00 0.00% 0.00 0.00% 0.025 Bottom

3103 KY Grayson Non-metro 5.84% 2.80% 2.52% 3.30% 0.00 0.00% 0.00 0.00% 0.024 Bottom

3104 WV Pocahontas Non-metro 6.53% 4.50% 1.92% 1.30% 0.00 0.00% 0.00 0.00% 0.023 Bottom

3105 AR Ashley Non-metro 5.78% 2.80% 2.36% 2.80% 0.00 0.00% 0.00 0.00% 0.022 Bottom

3106 NE Thayer Non-metro 5.97% 3.20% 2.26% 2.40% 0.00 0.00% 0.00 0.00% 0.022 Bottom

3107 WV Webster Non-metro 4.85% 1.30% 2.76% 4.30% 0.00 0.00% 0.00 0.00% 0.022 Bottom

3108 KS Stafford Non-metro 5.60% 2.30% 2.46% 3.10% 0.00 0.00% 0.00 0.00% 0.022 Bottom

3109 LA Caldwell Non-metro 5.94% 3.00% 2.17% 2.10% 0.00 0.00% 0.00 0.00% 0.020 Bottom

3110 MS Quitman Non-metro 5.53% 2.20% 2.34% 2.80% 0.00 0.00% 0.00 0.00% 0.020 Bottom

3111 MO Lewis Non-metro 5.79% 2.80% 2.15% 1.90% 0.00 0.00% 0.00 0.00% 0.019 Bottom

3112 MS Tippah Non-metro 5.72% 2.70% 2.15% 1.90% 0.00 0.00% 0.00 0.00% 0.018 Bottom

3113 LA Sabine Non-metro 5.29% 1.70% 2.38% 2.80% 0.00 0.00% 0.00 0.00% 0.018 Bottom

3114 LA Bienville Non-metro 5.14% 1.60% 2.41% 2.90% 0.00 0.00% 0.00 0.00% 0.018 Bottom

3115 WV Ritchie Non-metro 5.11% 1.60% 2.41% 2.90% 0.00 0.00% 0.00 0.00% 0.018 Bottom

3116 OH Vinton Non-metro 5.69% 2.70% 2.06% 1.60% 0.00 0.00% 0.00 0.00% 0.017 Bottom

3117 TN Wayne Non-metro 5.31% 1.80% 2.26% 2.40% 0.00 0.00% 0.00 0.00% 0.017 Bottom

3118 CO Bent Non-metro 2.72% 0.10% 2.71% 4.00% 0.00 0.00% 0.00 0.00% 0.016 Bottom

3119 WV Boone Charleston, WV MSA 4.50% 1.00% 2.47% 3.10% 0.00 0.00% 0.00 0.00% 0.016 Bottom

3120 NE Furnas Non-metro 5.92% 3.00% 1.59% 0.90% 0.00 0.00% 0.00 0.00% 0.016 Bottom

3121 LA East Carroll Non-metro 5.11% 1.50% 2.14% 1.80% 0.00 0.00% 0.00 0.00% 0.013 Bottom

3122 SD Buffalo Non-metro 5.15% 1.60% 1.72% 1.00% 0.00 0.00% 0.00 0.00% 0.010 Bottom

3123 KY Caldwell Non-metro 4.78% 1.20% 1.86% 1.10% 0.00 0.00% 0.00 0.00% 0.009 Bottom

3124 KY Metcalfe Non-metro 4.97% 1.40% 1.37% 0.60% 0.00 0.00% 0.00 0.00% 0.008 Bottom

3125 WV Wetzel Non-metro 4.20% 0.80% 1.78% 1.10% 0.00 0.00% 0.00 0.00% 0.008 Bottom

3126 WV Lewis Non-metro 3.82% 0.50% 1.93% 1.30% 0.00 0.00% 0.00 0.00% 0.007 Bottom

3127 KS Hodgeman Non-metro 4.66% 1.20% 1.22% 0.50% 0.00 0.00% 0.00 0.00% 0.007 Bottom

3128 KY Elliott Non-metro 3.19% 0.10% 1.98% 1.40% 0.00 0.00% 0.00 0.00% 0.006 Bottom

3129 WV McDowell Non-metro 4.07% 0.70% 1.57% 0.80% 0.00 0.00% 0.00 0.00% 0.006 Bottom

3130 CO Kiowa Non-metro 4.02% 0.60% 1.55% 0.80% 0.00 0.00% 0.00 0.00% 0.006 Bottom

3131 SD Jackson Non-metro 4.53% 1.10% 0.00% 0.00% 0.00 0.00% 0.00 0.00% 0.004 Bottom

103 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County

Page 104: Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National Community Reinvestment Coalition Analysis September 2014

Rank State County Metropolitan Status

Small Business Lending Ratio

Small Business Lending Index

Smallest Business Lending Ratio

Smallest Business Lending Index

CDFI Microlending Ratio

CDFI Microlending Index

SBA 7(a) Lending Ratio

SBA 7(a) Lending Index

Composite Index

Quintile

3132 WV Braxton Non-metro 3.32% 0.20% 1.59% 0.90% 0.00 0.00% 0.00 0.00% 0.004 Bottom

3133 WV Clay Charleston, WV MSA 3.29% 0.20% 1.62% 0.90% 0.00 0.00% 0.00 0.00% 0.004 Bottom

3134 WV Pleasants Parkersburg-Marietta-Vienna, WV-OH MSA 3.19% 0.20% 1.45% 0.70% 0.00 0.00% 0.00 0.00% 0.004 Bottom

3135 WV Wirt Parkersburg-Marietta-Vienna, WV-OH MSA 3.68% 0.40% 0.48% 0.20% 0.00 0.00% 0.00 0.00% 0.002 Bottom

3136 WV Tyler Non-metro 2.94% 0.10% 1.30% 0.50% 0.00 0.00% 0.00 0.00% 0.002 Bottom

3137 NE Dundy Non-metro 3.46% 0.30% 0.81% 0.20% 0.00 0.00% 0.00 0.00% 0.002 Bottom

3138 NE McPherson Non-metro 3.51% 0.30% 0.00% 0.00% 0.00 0.00% 0.00 0.00% 0.001 Bottom

3139 WV Calhoun Non-metro 2.06% 0.00% 0.49% 0.20% 0.00 0.00% 0.00 0.00% 0.001 Bottom

3140 NE Wheeler Non-metro 2.52% 0.00% 0.00% 0.00% 0.00 0.00% 0.00 0.00% 0.000 Bottom

3141 OK Harmon Non-metro 2.20% 0.00% 0.00% 0.00% 0.00 0.00% 0.00 0.00% 0.000 Bottom

104 www.ncrc.org • 202-628-8866National Community Reinvestment Coalition

APPEND I XNational Community Reinvestment Coalition Analysis Small Business Lending Deserts and OasesComposite Ranking – Small Business Lending in 2012 by County