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County20th of 34 in Oregon by approvalsFIPS 41027
SBA loans in Hood River 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 Hood River County, Oregon, received 51 SBA loan approvals worth $21.1M in FY2021 to FY2025 (47 7(a), 4 504).
That is 47.8 approvals per 1,000 business establishments (1,068 establishments in 2023), above the Oregon figure of 40.8 and above the national 41.0.
It ranks 20th of 34 Oregon counties with approvals. In FY2025 there were 15, up 25% on FY2024.
15 lenders had approvals here; the most active were Columbia Bank (15), KeyBank National Association (14) and U.S. Bank, National Association (6). 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 Hood River County
By number of approvals to businesses in the county, FY2021–FY2025; 15 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 15 | $565K | 29.4% | |
| 2 | KeyBank National AssociationCleveland, OH | 14 | $3.3M | 27.5% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 6 | $237K | 11.8% | |
| 4 | Harvest Small Business Finance, LLCLaguna Hills, CA | 3 | $3.6M | 5.9% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 3.9% | |
| 6 | Mortgage Capital Development CorporationOakland, CA · CDC | 2 | — | 3.9% | |
| 7 | First Interstate BankBillings, MT | 1 | — | 2.0% | |
| 8 | Open BankLos Angeles, CA | 1 | — | 2.0% | |
| 9 | Heritage BankOlympia, WA | 1 | — | 2.0% | |
| 10 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 2.0% | |
| 11 | Evergreen Business CapitalSeattle, WA · CDC | 1 | — | 2.0% | |
| 12 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 1 | — | 2.0% | |
| 13 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 2.0% | |
| 14 | The Huntington National BankColumbus, OH | 1 | — | 2.0% | |
| 15 | Newtek Bank, National AssociationMiami, FL | 1 | — | 2.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 7.8% | |
| 2 | Traveler AccommodationNAICS 7211 | 3 | 5.9% | |
| 3 | Furniture and Home Furnishings RetailersNAICS 4491 | 3 | 5.9% | |
| 4 | Personal Care ServicesNAICS 8121 | 3 | 5.9% | |
| 5 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 3 | 5.9% | |
| 6 | Grocery StoresNAICS 4451 | 2 | 3.9% | |
| 7 | Beverage ManufacturingNAICS 3121 | 2 | 3.9% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 2 | 3.9% | |
| 9 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 2 | 3.9% | |
| 10 | Residential Building ConstructionNAICS 2361 | 2 | 3.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 11 | 21.6% | |
| 2 | Manufacturing | 9 | 17.6% | |
| 3 | Accommodation and Food Services | 7 | 13.7% | |
| 4 | Professional, Scientific, and Technical Services | 7 | 13.7% | |
| 5 | Construction | 4 | 7.8% | |
| 6 | Other Services (except Public Administration) | 4 | 7.8% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 3 | 5.9% | |
| 8 | Wholesale Trade | 2 | 3.9% |
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* | 6 | $1.4M | $75K | 0 | — | 6 | 27 |
| FY2025 | 11 | $679K | $50K | 4 | $3.1M | 15 | 57 |
| FY2024 | 12 | $3.4M | $50K | 0 | — | 12 | 70 |
| FY2023 | 7 | $3.9M | $500K | 0 | — | 7 | 80 |
| FY2022 | 12 | $6.8M | $100K | 0 | — | 12 | 48 |
| FY2021 | 5 | $3.1M | $100K | 0 | — | 5 | 12 |
| FY2020 | 5 | $355K | $30K | 0 | — | 5 | 15 |
| FY2019 | 7 | $578K | $25K | 0 | — | 7 | 65 |
| FY2018 | 4 | $6.5M | $1.9M | 1 | — | 5 | 102 |
| FY2017 | 4 | $595K | $118K | 0 | — | 4 | 25 |
| FY2016 | 6 | $3.8M | $333K | 0 | — | 6 | 32 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 27 approvals.
Against Oregon and the country
| FY2021–FY2025 | Hood River County | Oregon | United States |
|---|---|---|---|
| Approvals | 51 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 47.8 | 40.8 | 41.0 |
| Median 7(a) approval | $50K | $118K | $190K |
| Median 504 approval | $665K | $667K | $657K |
| Average approval | $413K | $529K | $573K |
| 504 share of approvals | 7.8% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 5.2 | 8.4 | 10.5 |
| Share of state approvals | 1.0% | 100.0% | — |
Approval sizes
- $50,000 or less52.9%27
- $50,001 to $150,00013.7%7
- $350,001 to $1 million21.6%11
- $1 million to $2 million5.9%3
- Over $2 million5.9%3
Age of the businesses
- Existing, more than 2 years old60.8%31
- New business, 2 years or less31.4%16
- Startup, loan funds will open the business3.9%2
- Change of ownership3.9%2
Questions and answers
Which lenders make the most SBA loans in Hood River County?
By approvals in FY2021 to FY2025: Columbia Bank (15), KeyBank National Association (14), U.S. Bank, National Association (6), Harvest Small Business Finance, LLC (3), Readycap Lending, LLC (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Hood River County?
The median 7(a) approval was $50K and the median 504 approval $665K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Hood River County?
Restaurants and Other Eating Places (4); Traveler Accommodation (3); Furniture and Home Furnishings Retailers (3); Personal Care Services (3); Accounting, Tax Preparation, Bookkeeping, and Payroll Services (3).
Is SBA lending in Hood River County rising?
Approvals in the three latest complete fiscal years total 34, against 22 in the three before: rising (+55%).
How does Hood River County compare with the rest of Oregon?
47.8 approvals per 1,000 establishments against 40.8 statewide, and 51 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