States › Oregon › Clatsop County
County11th of 34 in Oregon by approvalsFIPS 41007
SBA loans in Clatsop 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.
SBA approved 104 loans to businesses in Clatsop County, Oregon, in FY2021 to FY2025, worth $56.0M: 98 under 7(a) and 6 under 504.
That is 64.9 approvals per 1,000 business establishments (1,602 establishments in 2023), above the Oregon figure of 40.8 and above the national 41.0.
It ranks 11th of 34 Oregon counties with approvals. In FY2025 there were 26, about level with FY2024.
21 lenders had approvals here; the most active were Columbia Bank (40), U.S. Bank, National Association (21) and Marion & Polk Schools CU (9). The most common industry was restaurants and other eating places.
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 Clatsop County
By number of approvals to businesses in the county, FY2021–FY2025; 21 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 40 | $2.6M | 38.5% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 21 | $3.8M | 20.2% | |
| 3 | Marion & Polk Schools CUSalem, OR | 9 | $6.7M | 8.7% | |
| 4 | Celtic Bank CorporationSalt Lake City, UT | 6 | $15.7M | 5.8% | |
| 5 | The Huntington National BankColumbus, OH | 5 | $1.6M | 4.8% | |
| 6 | KeyBank National AssociationCleveland, OH | 4 | $3.1M | 3.8% | |
| 7 | Cascade Capital FundingSalem, OR · CDC | 2 | — | 1.9% | |
| 8 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 2 | — | 1.9% | |
| 9 | Evergreen Business CapitalSeattle, WA · CDC | 2 | — | 1.9% | |
| 10 | Northeast BankLewiston, ME | 2 | — | 1.9% | |
| 11 | IncredibleBankWausau, WI | 1 | — | 1.0% | |
| 12 | Gesa CURichland, WA | 1 | — | 1.0% | |
| 13 | American Continental BankCity of Industry, CA | 1 | — | 1.0% | |
| 14 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.0% | |
| 15 | Mission Valley BankSun Valley, CA | 1 | — | 1.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 10 | 9.6% | |
| 2 | Residential Building ConstructionNAICS 2361 | 9 | 8.7% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 8 | 7.7% | |
| 4 | Building Finishing ContractorsNAICS 2383 | 5 | 4.8% | |
| 5 | Specialty Food StoresNAICS 4452 | 5 | 4.8% | |
| 6 | Traveler AccommodationNAICS 7211 | 4 | 3.8% | |
| 7 | Grocery StoresNAICS 4451 | 4 | 3.8% | |
| 8 | Lessors of Real EstateNAICS 5311 | 4 | 3.8% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 3.8% | |
| 10 | Personal Care ServicesNAICS 8121 | 4 | 3.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 25 | 24.0% | |
| 2 | Construction | 21 | 20.2% | |
| 3 | Accommodation and Food Services | 20 | 19.2% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 8 | 7.7% | |
| 5 | Health Care and Social Assistance | 6 | 5.8% | |
| 6 | Real Estate and Rental and Leasing | 5 | 4.8% | |
| 7 | Manufacturing | 4 | 3.8% | |
| 8 | Transportation and Warehousing | 4 | 3.8% |
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* | 29 | $14.4M | $50K | 0 | — | 29 | 177 |
| FY2025 | 25 | $10.9M | $50K | 1 | — | 26 | 178 |
| FY2024 | 25 | $12.9M | $50K | 0 | — | 25 | 169 |
| FY2023 | 14 | $4.2M | $270K | 0 | — | 14 | 78 |
| FY2022 | 20 | $9.6M | $25K | 2 | — | 22 | 139 |
| FY2021 | 14 | $14.0M | $254K | 3 | $1.1M | 17 | 106 |
| FY2020 | 20 | $2.6M | $25K | 4 | $2.8M | 24 | 306 |
| FY2019 | 13 | $3.6M | $100K | 2 | — | 15 | 67 |
| FY2018 | 25 | $3.1M | $50K | 3 | $886K | 28 | 177 |
| FY2017 | 32 | $20.2M | $225K | 3 | $2.0M | 35 | 224 |
| FY2016 | 20 | $4.2M | $150K | 2 | — | 22 | 130 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 124 approvals.
Against Oregon and the country
| FY2021–FY2025 | Clatsop County | Oregon | United States |
|---|---|---|---|
| Approvals | 104 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 64.9 | 40.8 | 41.0 |
| Median 7(a) approval | $50K | $118K | $190K |
| Median 504 approval | $473K | $667K | $657K |
| Average approval | $538K | $529K | $573K |
| 504 share of approvals | 5.8% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 6.4 | 8.4 | 10.5 |
| Share of state approvals | 2.1% | 100.0% | — |
Approval sizes
- $50,000 or less51.0%53
- $50,001 to $150,0007.7%8
- $150,001 to $350,00012.5%13
- $350,001 to $1 million17.3%18
- $1 million to $2 million1.9%2
- Over $2 million9.6%10
Age of the businesses
- Existing, more than 2 years old78.8%82
- New business, 2 years or less11.5%12
- Startup, loan funds will open the business3.8%4
- Change of ownership5.8%6
Questions and answers
Which lenders make the most SBA loans in Clatsop County?
By approvals in FY2021 to FY2025: Columbia Bank (40), U.S. Bank, National Association (21), Marion & Polk Schools CU (9), Celtic Bank Corporation (6), The Huntington National Bank (5). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Clatsop County?
The median 7(a) approval was $50K and the median 504 approval $473K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Clatsop County?
Restaurants and Other Eating Places (10); Residential Building Construction (9); Services to Buildings and Dwellings (8); Building Finishing Contractors (5); Specialty Food Stores (5).
Is SBA lending in Clatsop County rising?
Approvals in the three latest complete fiscal years total 65, against 63 in the three before: broadly level (+3%).
How does Clatsop County compare with the rest of Oregon?
64.9 approvals per 1,000 establishments against 40.8 statewide, and 104 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