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County6th of 34 in Oregon by approvalsFIPS 41017
SBA loans in Deschutes 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 344 loans to businesses in Deschutes County, Oregon, in FY2021 to FY2025, worth $184M: 307 under 7(a) and 37 under 504.
That is 40.2 approvals per 1,000 business establishments (8,553 establishments in 2023), close to the Oregon figure of 40.8 and close to the national 41.0.
It ranks 6th of 34 Oregon counties with approvals. In FY2025 there were 96, up 20% on FY2024.
52 lenders had approvals here; the most active were First Interstate Bank (45), U.S. Bank, National Association (37) and Columbia Bank (35). 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 Deschutes County
By number of approvals to businesses in the county, FY2021–FY2025; 52 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | First Interstate BankBillings, MT | 45 | $17.5M | 13.1% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 37 | $8.3M | 10.8% | |
| 3 | Columbia BankLake Oswego, OR | 35 | $3.4M | 10.2% | |
| 4 | The Huntington National BankColumbus, OH | 31 | $17.4M | 9.0% | |
| 5 | Evergreen Business CapitalSeattle, WA · CDC | 22 | $20.1M | 6.4% | |
| 6 | Washington Trust BankSpokane, WA | 16 | $5.5M | 4.7% | |
| 7 | Northeast BankLewiston, ME | 15 | $2.4M | 4.4% | |
| 8 | Summit BankEugene, OR | 14 | $14.5M | 4.1% | |
| 9 | Wells Fargo Bank National AssociationSioux Falls, SD | 13 | $7.0M | 3.8% | |
| 10 | JPMorgan Chase Bank, National AssociationColumbus, OH | 10 | $2.9M | 2.9% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 10 | $2.4M | 2.9% | |
| 12 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 9 | $8.4M | 2.6% | |
| 13 | Live Oak Banking CompanyWilmington, NC | 8 | $17.8M | 2.3% | |
| 14 | Readycap Lending, LLCBerkeley Heights, NJ | 7 | $5.9M | 2.0% | |
| 15 | Banner BankWalla Walla, WA | 5 | $2.1M | 1.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 22 | 6.4% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 18 | 5.2% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 17 | 4.9% | |
| 4 | Residential Building ConstructionNAICS 2361 | 15 | 4.4% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 14 | 4.1% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 13 | 3.8% | |
| 7 | Building Finishing ContractorsNAICS 2383 | 13 | 3.8% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 10 | 2.9% | |
| 9 | Sporting Goods, Hobby, and Musical Instrument RetailersNAICS 4591 | 10 | 2.9% | |
| 10 | Personal Care ServicesNAICS 8121 | 9 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 62 | 18.0% | |
| 2 | Retail Trade | 44 | 12.8% | |
| 3 | Manufacturing | 40 | 11.6% | |
| 4 | Accommodation and Food Services | 32 | 9.3% | |
| 5 | Other Services (except Public Administration) | 30 | 8.7% | |
| 6 | Health Care and Social Assistance | 28 | 8.1% | |
| 7 | Professional, Scientific, and Technical Services | 22 | 6.4% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 20 | 5.8% |
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* | 36 | $11.4M | $104K | 6 | $10.1M | 42 | 499 |
| FY2025 | 92 | $32.9M | $120K | 4 | $3.3M | 96 | 646 |
| FY2024 | 73 | $28.3M | $85K | 7 | $7.9M | 80 | 659 |
| FY2023 | 44 | $27.7M | $384K | 1 | — | 45 | 577 |
| FY2022 | 49 | $27.7M | $316K | 11 | $10.3M | 60 | 541 |
| FY2021 | 49 | $32.3M | $250K | 14 | $12.5M | 63 | 716 |
| FY2020 | 50 | $21.0M | $100K | 13 | $11.3M | 63 | 530 |
| FY2019 | 52 | $21.1M | $105K | 6 | $4.7M | 58 | 543 |
| FY2018 | 44 | $11.1M | $150K | 7 | $6.2M | 51 | 453 |
| FY2017 | 59 | $19.3M | $203K | 5 | $7.8M | 64 | 545 |
| FY2016 | 69 | $24.1M | $150K | 2 | — | 71 | 569 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 307 approvals.
Against Oregon and the country
| FY2021–FY2025 | Deschutes County | Oregon | United States |
|---|---|---|---|
| Approvals | 344 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 40.2 | 40.8 | 41.0 |
| Median 7(a) approval | $165K | $118K | $190K |
| Median 504 approval | $821K | $667K | $657K |
| Average approval | $535K | $529K | $573K |
| 504 share of approvals | 10.8% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 9.1 | 8.4 | 10.5 |
| Share of state approvals | 6.9% | 100.0% | — |
Approval sizes
- $50,000 or less29.4%101
- $50,001 to $150,00014.2%49
- $150,001 to $350,00016.0%55
- $350,001 to $1 million23.8%82
- $1 million to $2 million11.0%38
- Over $2 million5.5%19
Age of the businesses
- Existing, more than 2 years old54.7%188
- New business, 2 years or less19.8%68
- Startup, loan funds will open the business12.5%43
- Change of ownership13.1%45
Questions and answers
Which lenders make the most SBA loans in Deschutes County?
By approvals in FY2021 to FY2025: First Interstate Bank (45), U.S. Bank, National Association (37), Columbia Bank (35), The Huntington National Bank (31), Evergreen Business Capital (22). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Deschutes County?
The median 7(a) approval was $165K and the median 504 approval $821K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Deschutes County?
Restaurants and Other Eating Places (22); Other Amusement and Recreation Industries (18); Offices of Other Health Practitioners (17); Residential Building Construction (15); Building Equipment Contractors (14).
Is SBA lending in Deschutes County rising?
Approvals in the three latest complete fiscal years total 221, against 186 in the three before: rising (+19%).
How does Deschutes County compare with the rest of Oregon?
40.2 approvals per 1,000 establishments against 40.8 statewide, and 344 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