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County23rd of 34 in Oregon by approvalsFIPS 41001
SBA loans in Baker County, Oregon
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Businesses in Baker County, Oregon, received 37 SBA loan approvals worth $6.2M in FY2021 to FY2025 (36 7(a), 1 504).
That is 71.0 approvals per 1,000 business establishments (521 establishments in 2023), above the Oregon figure of 40.8 and above the national 41.0.
It ranks 23rd of 34 Oregon counties with approvals. In FY2025 there were 15.
10 lenders had approvals here; the most active were U.S. Bank, National Association (18), Columbia Bank (7) and Zions Bank, A Division of (3). The most common industry was other specialty trade contractors.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Baker County
By number of approvals to businesses in the county, FY2021–FY2025; 10 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 18 | $733K | 48.6% | |
| 2 | Columbia BankLake Oswego, OR | 7 | $931K | 18.9% | |
| 3 | Zions Bank, A Division ofSalt Lake City, UT | 3 | $325K | 8.1% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 5.4% | |
| 5 | Banner BankWalla Walla, WA | 2 | — | 5.4% | |
| 6 | Enterprise Bank & TrustClayton, MO | 1 | — | 2.7% | |
| 7 | Glacier BankKalispell, MT | 1 | — | 2.7% | |
| 8 | Capital Matrix, Inc.Boise, ID · CDC | 1 | — | 2.7% | |
| 9 | Newtek Bank, National AssociationMiami, FL | 1 | — | 2.7% | |
| 10 | 1st Security Bank of WashingtonMountlake Terrace, WA | 1 | — | 2.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Specialty Trade ContractorsNAICS 2389 | 6 | 16.2% | |
| 2 | Residential Building ConstructionNAICS 2361 | 5 | 13.5% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 10.8% | |
| 4 | Traveler AccommodationNAICS 7211 | 2 | 5.4% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 2 | 5.4% | |
| 6 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 2 | 5.4% | |
| 7 | Building Finishing ContractorsNAICS 2383 | 2 | 5.4% | |
| 8 | General Medical and Surgical HospitalsNAICS 6221 | 1 | 2.7% | |
| 9 | Nonresidential Building ConstructionNAICS 2362 | 1 | 2.7% | |
| 10 | Electronics and Appliance RetailersNAICS 4492 | 1 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 15 | 40.5% | |
| 2 | Accommodation and Food Services | 8 | 21.6% | |
| 3 | Retail Trade | 4 | 10.8% | |
| 4 | Health Care and Social Assistance | 3 | 8.1% | |
| 5 | Transportation and Warehousing | 2 | 5.4% | |
| 6 | Agriculture, Forestry, Fishing and Hunting | 1 | 2.7% | |
| 7 | Professional, Scientific, and Technical Services | 1 | 2.7% | |
| 8 | Other Services (except Public Administration) | 1 | 2.7% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 3 | $124K | $50K | 0 | — | 3 | 6 |
| FY2025 | 14 | $774K | $50K | 1 | — | 15 | 140 |
| FY2024 | 9 | $2.3M | $50K | 0 | — | 9 | 88 |
| FY2023 | 2 | — | — | 0 | — | 2 | 2 |
| FY2022 | 7 | $1.9M | $40K | 0 | — | 7 | 9 |
| FY2021 | 4 | $1.0M | $169K | 0 | — | 4 | 35 |
| FY2020 | 3 | $623K | $50K | 0 | — | 3 | 17 |
| FY2019 | 5 | $199K | $25K | 0 | — | 5 | 6 |
| FY2018 | 5 | $1.7M | $25K | 0 | — | 5 | 14 |
| FY2017 | 10 | $7.4M | $76K | 0 | — | 10 | 46 |
| FY2016 | 5 | $3.0M | $25K | 0 | — | 5 | 14 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 28 approvals.
Against Oregon and the country
| FY2021–FY2025 | Baker County | Oregon | United States |
|---|---|---|---|
| Approvals | 37 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 71.0 | 40.8 | 41.0 |
| Median 7(a) approval | $50K | $118K | $190K |
| Median 504 approval | — | $667K | $657K |
| Average approval | $168K | $529K | $573K |
| 504 share of approvals | 2.7% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 7.4 | 8.4 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less67.6%25
- $50,001 to $150,00016.2%6
- $150,001 to $350,0005.4%2
- $350,001 to $1 million5.4%2
- $1 million to $2 million5.4%2
Age of the businesses
- Existing, more than 2 years old56.8%21
- New business, 2 years or less40.5%15
- Startup, loan funds will open the business2.7%1
Questions and answers
Which lenders make the most SBA loans in Baker County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (18), Columbia Bank (7), Zions Bank, A Division of (3), Readycap Lending, LLC (2), Banner Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Baker County?
The median 7(a) approval was $50K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Baker County?
Other Specialty Trade Contractors (6); Residential Building Construction (5); Restaurants and Other Eating Places (4); Traveler Accommodation (2); Offices of Other Health Practitioners (2).
Is SBA lending in Baker County rising?
Approvals in the three latest complete fiscal years total 26, against 14 in the three before: rising (+86%).
How does Baker County compare with the rest of Oregon?
71.0 approvals per 1,000 establishments against 40.8 statewide, and 37 of the state's 5,000 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error