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County17th of 34 in Oregon by approvalsFIPS 41033
SBA loans in Josephine 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 Josephine County, Oregon, received 61 SBA loan approvals worth $28.5M in FY2021 to FY2025 (56 7(a), 5 504).
That is 28.9 approvals per 1,000 business establishments (2,110 establishments in 2023), below the Oregon figure of 40.8 and below the national 41.0.
It ranks 17th of 34 Oregon counties with approvals. In FY2025 there were 18.
22 lenders had approvals here; the most active were U.S. Bank, National Association (9), Banner Bank (8) and Columbia Bank (7). 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 Josephine County
By number of approvals to businesses in the county, FY2021–FY2025; 22 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 9 | $659K | 14.8% | |
| 2 | Banner BankWalla Walla, WA | 8 | $1.8M | 13.1% | |
| 3 | Columbia BankLake Oswego, OR | 7 | $827K | 11.5% | |
| 4 | KeyBank National AssociationCleveland, OH | 5 | $1.6M | 8.2% | |
| 5 | BayFirst National BankSaint Petersburg, FL | 5 | $1.0M | 8.2% | |
| 6 | Evergreen Business CapitalSeattle, WA · CDC | 4 | $5.3M | 6.6% | |
| 7 | Peoples Bank of CommerceMedford, OR | 4 | $1.3M | 6.6% | |
| 8 | Wells Fargo Bank National AssociationSioux Falls, SD | 2 | — | 3.3% | |
| 9 | Harborstone CULakewood, WA | 2 | — | 3.3% | |
| 10 | First Interstate BankBillings, MT | 2 | — | 3.3% | |
| 11 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 3.3% | |
| 12 | Northwest BankBoise, ID | 1 | — | 1.6% | |
| 13 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.6% | |
| 14 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 1.6% | |
| 15 | First-Citizens Bank & Trust CompanyRaleigh, NC | 1 | — | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 11.5% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 8.2% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 4 | 6.6% | |
| 4 | Personal Care ServicesNAICS 8121 | 4 | 6.6% | |
| 5 | Lessors of Real EstateNAICS 5311 | 2 | 3.3% | |
| 6 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 2 | 3.3% | |
| 7 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 3.3% | |
| 8 | Legal ServicesNAICS 5411 | 2 | 3.3% | |
| 9 | Support Activities for Crop ProductionNAICS 1151 | 2 | 3.3% | |
| 10 | Personal and Household Goods Repair and MaintenanceNAICS 8114 | 2 | 3.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Services (except Public Administration) | 11 | 18.0% | |
| 2 | Accommodation and Food Services | 10 | 16.4% | |
| 3 | Health Care and Social Assistance | 7 | 11.5% | |
| 4 | Retail Trade | 6 | 9.8% | |
| 5 | Construction | 6 | 9.8% | |
| 6 | Agriculture, Forestry, Fishing and Hunting | 6 | 9.8% | |
| 7 | Professional, Scientific, and Technical Services | 5 | 8.2% | |
| 8 | Real Estate and Rental and Leasing | 2 | 3.3% |
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* | 12 | $5.3M | $50K | 0 | — | 12 | 54 |
| FY2025 | 18 | $3.5M | $100K | 0 | — | 18 | 92 |
| FY2024 | 8 | $1.4M | $63K | 1 | — | 9 | 51 |
| FY2023 | 9 | $4.5M | $280K | 0 | — | 9 | 99 |
| FY2022 | 11 | $6.8M | $180K | 1 | — | 12 | 136 |
| FY2021 | 10 | $6.7M | $468K | 3 | $4.9M | 13 | 78 |
| FY2020 | 10 | $9.3M | $555K | 2 | — | 12 | 89 |
| FY2019 | 6 | $775K | $45K | 1 | — | 7 | 18 |
| FY2018 | 10 | $2.7M | $215K | 0 | — | 10 | 64 |
| FY2017 | 4 | $260K | $75K | 2 | — | 6 | 60 |
| FY2016 | 6 | $1.3M | $109K | 0 | — | 6 | 8 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 41 approvals.
Against Oregon and the country
| FY2021–FY2025 | Josephine County | Oregon | United States |
|---|---|---|---|
| Approvals | 61 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 28.9 | 40.8 | 41.0 |
| Median 7(a) approval | $150K | $118K | $190K |
| Median 504 approval | $990K | $667K | $657K |
| Average approval | $467K | $529K | $573K |
| 504 share of approvals | 8.2% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 7.5 | 8.4 | 10.5 |
| Share of state approvals | 1.2% | 100.0% | — |
Approval sizes
- $50,000 or less31.1%19
- $50,001 to $150,00018.0%11
- $150,001 to $350,00013.1%8
- $350,001 to $1 million23.0%14
- $1 million to $2 million8.2%5
- Over $2 million6.6%4
Age of the businesses
- Existing, more than 2 years old65.6%40
- New business, 2 years or less14.8%9
- Startup, loan funds will open the business9.8%6
- Change of ownership9.8%6
Questions and answers
Which lenders make the most SBA loans in Josephine County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (9), Banner Bank (8), Columbia Bank (7), KeyBank National Association (5), BayFirst National Bank (5). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Josephine County?
The median 7(a) approval was $150K and the median 504 approval $990K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Josephine County?
Restaurants and Other Eating Places (7); Automotive Repair and Maintenance (5); Offices of Other Health Practitioners (4); Personal Care Services (4); Lessors of Real Estate (2).
Is SBA lending in Josephine County rising?
Approvals in the three latest complete fiscal years total 36, against 37 in the three before: broadly level (-3%).
How does Josephine County compare with the rest of Oregon?
28.9 approvals per 1,000 establishments against 40.8 statewide, and 61 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