Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National...
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Transcript of Appendix Small Business Lending Deserts and Oases Composite Ranking by County NCRC National...
Composite Ranking – Small Business Lending in 2012 by CountyAPPEND I X :
Small Business Lending Deserts and OasesNational Community Reinvestment Coalition Analysis
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.
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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