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County22nd of 34 in Oregon by approvalsFIPS 41045
SBA loans in Malheur 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 42 loans to businesses in Malheur County, Oregon, in FY2021 to FY2025, worth $23.1M: 34 under 7(a) and 8 under 504.
That is 58.5 approvals per 1,000 business establishments (718 establishments in 2023), above the Oregon figure of 40.8 and above the national 41.0.
It ranks 22nd of 34 Oregon counties with approvals. In FY2025 there were 11.
18 lenders had approvals here; the most active were U.S. Bank, National Association (6), Columbia Bank (6) and Zions Bank, A Division of (5). The most common industry was traveler accommodation.
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 Malheur County
By number of approvals to businesses in the county, FY2021–FY2025; 18 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 6 | $346K | 14.3% | |
| 2 | Columbia BankLake Oswego, OR | 6 | $140K | 14.3% | |
| 3 | Zions Bank, A Division ofSalt Lake City, UT | 5 | $626K | 11.9% | |
| 4 | 1st Security Bank of WashingtonMountlake Terrace, WA | 4 | $744K | 9.5% | |
| 5 | KeyBank National AssociationCleveland, OH | 3 | $1.3M | 7.1% | |
| 6 | Region IV Development CorporationTwin Falls, ID · CDC | 2 | — | 4.8% | |
| 7 | Evergreen Business CapitalSeattle, WA · CDC | 2 | — | 4.8% | |
| 8 | Capital Matrix, Inc.Boise, ID · CDC | 2 | — | 4.8% | |
| 9 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 4.8% | |
| 10 | First Merchants BankIndianapolis, IN | 2 | — | 4.8% | |
| 11 | Shoreham BankWarwick, RI | 1 | — | 2.4% | |
| 12 | West Coast Community BankSanta Cruz, CA | 1 | — | 2.4% | |
| 13 | Commonwealth Business BankLos Angeles, CA | 1 | — | 2.4% | |
| 14 | Mortgage Capital Development CorporationOakland, CA · CDC | 1 | — | 2.4% | |
| 15 | Eastern Idaho Development CorporationPocatello, ID · CDC | 1 | — | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 5 | 11.9% | |
| 2 | Building Material and Supplies DealersNAICS 4441 | 5 | 11.9% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 7.1% | |
| 4 | Nursing Care Facilities (Skilled Nursing Facilities)NAICS 6231 | 2 | 4.8% | |
| 5 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 2 | 4.8% | |
| 6 | Grocery StoresNAICS 4451 | 2 | 4.8% | |
| 7 | Other Miscellaneous Store RetailersNAICS 4539 | 2 | 4.8% | |
| 8 | Individual and Family ServicesNAICS 6241 | 2 | 4.8% | |
| 9 | Specialized Freight TruckingNAICS 4842 | 2 | 4.8% | |
| 10 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 1 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 11 | 26.2% | |
| 2 | Accommodation and Food Services | 7 | 16.7% | |
| 3 | Construction | 7 | 16.7% | |
| 4 | Health Care and Social Assistance | 6 | 14.3% | |
| 5 | Professional, Scientific, and Technical Services | 3 | 7.1% | |
| 6 | Real Estate and Rental and Leasing | 2 | 4.8% | |
| 7 | Transportation and Warehousing | 2 | 4.8% | |
| 8 | Agriculture, Forestry, Fishing and Hunting | 1 | 2.4% |
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* | 3 | $483K | $50K | 0 | — | 3 | 22 |
| FY2025 | 10 | $5.1M | $109K | 1 | — | 11 | 130 |
| FY2024 | 7 | $326K | $25K | 1 | — | 8 | 17 |
| FY2023 | 3 | $850K | $25K | 3 | $4.2M | 6 | 41 |
| FY2022 | 6 | $3.2M | $140K | 0 | — | 6 | 30 |
| FY2021 | 8 | $5.6M | $433K | 3 | $1.7M | 11 | 194 |
| FY2020 | 0 | — | — | 2 | — | 2 | 5 |
| FY2019 | 8 | $1.9M | $118K | 1 | — | 9 | 86 |
| FY2018 | 2 | — | — | 0 | — | 2 | 16 |
| FY2017 | 5 | $4.3M | $417K | 0 | — | 5 | 126 |
| FY2016 | 12 | $8.3M | $234K | 0 | — | 12 | 51 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 30 approvals.
Against Oregon and the country
| FY2021–FY2025 | Malheur County | Oregon | United States |
|---|---|---|---|
| Approvals | 42 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 58.5 | 40.8 | 41.0 |
| Median 7(a) approval | $61K | $118K | $190K |
| Median 504 approval | $771K | $667K | $657K |
| Average approval | $551K | $529K | $573K |
| 504 share of approvals | 19.0% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 9.8 | 8.4 | 10.5 |
| Share of state approvals | 0.8% | 100.0% | — |
Approval sizes
- $50,000 or less35.7%15
- $50,001 to $150,00016.7%7
- $150,001 to $350,0009.5%4
- $350,001 to $1 million21.4%9
- $1 million to $2 million7.1%3
- Over $2 million9.5%4
Age of the businesses
- Existing, more than 2 years old59.5%25
- New business, 2 years or less16.7%7
- Startup, loan funds will open the business11.9%5
- Change of ownership11.9%5
Questions and answers
Which lenders make the most SBA loans in Malheur County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (6), Columbia Bank (6), Zions Bank, A Division of (5), 1st Security Bank of Washington (4), KeyBank National Association (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Malheur County?
The median 7(a) approval was $61K and the median 504 approval $771K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Malheur County?
Traveler Accommodation (5); Building Material and Supplies Dealers (5); Other Specialty Trade Contractors (3); Nursing Care Facilities (Skilled Nursing Facilities) (2); Foundation, Structure, and Building Exterior Contractors (2).
Is SBA lending in Malheur County rising?
Approvals in the three latest complete fiscal years total 25, against 19 in the three before: rising (+32%).
How does Malheur County compare with the rest of Oregon?
58.5 approvals per 1,000 establishments against 40.8 statewide, and 42 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