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County7th of 34 in Oregon by approvalsFIPS 41029
SBA loans in Jackson 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 Jackson County, Oregon, received 273 SBA loan approvals worth $122M in FY2021 to FY2025 (247 7(a), 26 504).
That is 41.4 approvals per 1,000 business establishments (6,589 establishments in 2023), close to the Oregon figure of 40.8 and close to the national 41.0.
It ranks 7th of 34 Oregon counties with approvals. In FY2025 there were 94, up 31% on FY2024.
49 lenders had approvals here; the most active were U.S. Bank, National Association (44), Columbia Bank (36) and Banner Bank (32). 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 Jackson County
By number of approvals to businesses in the county, FY2021–FY2025; 49 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 44 | $4.9M | 16.1% | |
| 2 | Columbia BankLake Oswego, OR | 36 | $2.8M | 13.2% | |
| 3 | Banner BankWalla Walla, WA | 32 | $3.8M | 11.7% | |
| 4 | Evergreen Business CapitalSeattle, WA · CDC | 19 | $14.1M | 7.0% | |
| 5 | KeyBank National AssociationCleveland, OH | 15 | $10.2M | 5.5% | |
| 6 | Northeast BankLewiston, ME | 11 | $1.1M | 4.0% | |
| 7 | Wells Fargo Bank National AssociationSioux Falls, SD | 10 | $6.9M | 3.7% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 10 | $3.3M | 3.7% | |
| 9 | Peoples Bank of CommerceMedford, OR | 9 | $4.3M | 3.3% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 6 | $3.9M | 2.2% | |
| 11 | The Huntington National BankColumbus, OH | 6 | $2.5M | 2.2% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 5 | $5.4M | 1.8% | |
| 13 | Celtic Bank CorporationSalt Lake City, UT | 5 | $4.5M | 1.8% | |
| 14 | First Interstate BankBillings, MT | 5 | $2.9M | 1.8% | |
| 15 | JPMorgan Chase Bank, National AssociationColumbus, OH | 5 | $1.1M | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 19 | 7.0% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 16 | 5.9% | |
| 3 | Traveler AccommodationNAICS 7211 | 11 | 4.0% | |
| 4 | Building Finishing ContractorsNAICS 2383 | 11 | 4.0% | |
| 5 | Residential Building ConstructionNAICS 2361 | 11 | 4.0% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 9 | 3.3% | |
| 7 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 8 | 2.9% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 8 | 2.9% | |
| 9 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 7 | 2.6% | |
| 10 | Activities Related to Real EstateNAICS 5313 | 6 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 44 | 16.1% | |
| 2 | Retail Trade | 36 | 13.2% | |
| 3 | Accommodation and Food Services | 33 | 12.1% | |
| 4 | Manufacturing | 28 | 10.3% | |
| 5 | Health Care and Social Assistance | 25 | 9.2% | |
| 6 | Other Services (except Public Administration) | 23 | 8.4% | |
| 7 | Professional, Scientific, and Technical Services | 22 | 8.1% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 15 | 5.5% |
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* | 45 | $16.6M | $75K | 2 | — | 47 | 382 |
| FY2025 | 87 | $30.2M | $55K | 7 | $7.1M | 94 | 596 |
| FY2024 | 70 | $19.1M | $50K | 2 | — | 72 | 373 |
| FY2023 | 30 | $16.3M | $95K | 2 | — | 32 | 300 |
| FY2022 | 29 | $16.5M | $340K | 5 | $5.1M | 34 | 287 |
| FY2021 | 31 | $18.3M | $268K | 10 | $8.2M | 41 | 250 |
| FY2020 | 29 | $23.6M | $138K | 5 | $4.3M | 34 | 307 |
| FY2019 | 46 | $17.4M | $101K | 1 | — | 47 | 318 |
| FY2018 | 39 | $18.8M | $136K | 6 | $3.1M | 45 | 477 |
| FY2017 | 59 | $19.0M | $125K | 4 | $3.7M | 63 | 645 |
| FY2016 | 49 | $20.6M | $100K | 5 | $2.2M | 54 | 519 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 243 approvals.
Against Oregon and the country
| FY2021–FY2025 | Jackson County | Oregon | United States |
|---|---|---|---|
| Approvals | 273 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 41.4 | 40.8 | 41.0 |
| Median 7(a) approval | $100K | $118K | $190K |
| Median 504 approval | $454K | $667K | $657K |
| Average approval | $446K | $529K | $573K |
| 504 share of approvals | 9.5% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 6.6 | 8.4 | 10.5 |
| Share of state approvals | 5.5% | 100.0% | — |
Approval sizes
- $50,000 or less39.6%108
- $50,001 to $150,00016.5%45
- $150,001 to $350,00012.1%33
- $350,001 to $1 million19.8%54
- $1 million to $2 million6.2%17
- Over $2 million5.9%16
Age of the businesses
- Existing, more than 2 years old67.8%185
- New business, 2 years or less18.3%50
- Startup, loan funds will open the business8.4%23
- Change of ownership5.5%15
Questions and answers
Which lenders make the most SBA loans in Jackson County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (44), Columbia Bank (36), Banner Bank (32), Evergreen Business Capital (19), KeyBank National Association (15). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Jackson County?
The median 7(a) approval was $100K and the median 504 approval $454K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Jackson County?
Restaurants and Other Eating Places (19); Automotive Repair and Maintenance (16); Traveler Accommodation (11); Building Finishing Contractors (11); Residential Building Construction (11).
Is SBA lending in Jackson County rising?
Approvals in the three latest complete fiscal years total 198, against 109 in the three before: rising (+82%).
How does Jackson County compare with the rest of Oregon?
41.4 approvals per 1,000 establishments against 40.8 statewide, and 273 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