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County16th of 34 in Oregon by approvalsFIPS 41057
SBA loans in Tillamook 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 62 loans to businesses in Tillamook County, Oregon, in FY2021 to FY2025, worth $32.8M: 61 under 7(a) and 1 under 504.
That is 80.6 approvals per 1,000 business establishments (769 establishments in 2023), above the Oregon figure of 40.8 and above the national 41.0.
It ranks 16th of 34 Oregon counties with approvals. In FY2025 there were 13, up 8% on FY2024.
17 lenders had approvals here; the most active were 1st Security Bank of Washington (23), Columbia Bank (12) and U.S. Bank, National Association (8). 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 Tillamook County
By number of approvals to businesses in the county, FY2021–FY2025; 17 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | 1st Security Bank of WashingtonMountlake Terrace, WA | 23 | $2.0M | 37.1% | |
| 2 | Columbia BankLake Oswego, OR | 12 | $752K | 19.4% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 8 | $1.1M | 12.9% | |
| 4 | Live Oak Banking CompanyWilmington, NC | 3 | $4.0M | 4.8% | |
| 5 | KeyBank National AssociationCleveland, OH | 2 | — | 3.2% | |
| 6 | PCB BankLos Angeles, CA | 2 | — | 3.2% | |
| 7 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 3.2% | |
| 8 | Mountain Pacific BankEverett, WA | 1 | — | 1.6% | |
| 9 | US Metro BankGarden Grove, CA | 1 | — | 1.6% | |
| 10 | Evolve Bank and TrustWest Memphis, AR | 1 | — | 1.6% | |
| 11 | Harborstone CULakewood, WA | 1 | — | 1.6% | |
| 12 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 1.6% | |
| 13 | Banc of CaliforniaLos Angeles, CA | 1 | — | 1.6% | |
| 14 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 1 | — | 1.6% | |
| 15 | Seattle Economic Development Fund dba Community CaTukwila, WA | 1 | — | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 11.3% | |
| 2 | Grocery StoresNAICS 4451 | 5 | 8.1% | |
| 3 | Traveler AccommodationNAICS 7211 | 3 | 4.8% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 4.8% | |
| 5 | Consumer Goods RentalNAICS 5322 | 3 | 4.8% | |
| 6 | Residential Building ConstructionNAICS 2361 | 3 | 4.8% | |
| 7 | Personal Care ServicesNAICS 8121 | 2 | 3.2% | |
| 8 | Clothing and Clothing Accessories RetailersNAICS 4581 | 2 | 3.2% | |
| 9 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 3.2% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 2 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 15 | 24.2% | |
| 2 | Accommodation and Food Services | 13 | 21.0% | |
| 3 | Manufacturing | 7 | 11.3% | |
| 4 | Construction | 6 | 9.7% | |
| 5 | Real Estate and Rental and Leasing | 5 | 8.1% | |
| 6 | Other Services (except Public Administration) | 4 | 6.5% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 4 | 6.5% | |
| 8 | Arts, Entertainment, and Recreation | 3 | 4.8% |
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* | 4 | $1.6M | $35K | 0 | — | 4 | 12 |
| FY2025 | 13 | $7.6M | $39K | 0 | — | 13 | 105 |
| FY2024 | 12 | $1.2M | $26K | 0 | — | 12 | 46 |
| FY2023 | 7 | $1.1M | $25K | 0 | — | 7 | 50 |
| FY2022 | 11 | $2.8M | $25K | 1 | — | 12 | 48 |
| FY2021 | 18 | $19.5M | $368K | 0 | — | 18 | 122 |
| FY2020 | 9 | $3.5M | $25K | 0 | — | 9 | 39 |
| FY2019 | 8 | $1.3M | $69K | 0 | — | 8 | 38 |
| FY2018 | 10 | $3.2M | $25K | 0 | — | 10 | 74 |
| FY2017 | 8 | $4.5M | $330K | 2 | — | 10 | 30 |
| FY2016 | 5 | $1.5M | $96K | 1 | — | 6 | 13 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 43 approvals.
Against Oregon and the country
| FY2021–FY2025 | Tillamook County | Oregon | United States |
|---|---|---|---|
| Approvals | 62 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 80.6 | 40.8 | 41.0 |
| Median 7(a) approval | $39K | $118K | $190K |
| Median 504 approval | — | $667K | $657K |
| Average approval | $529K | $529K | $573K |
| 504 share of approvals | 1.6% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 6.0 | 8.4 | 10.5 |
| Share of state approvals | 1.2% | 100.0% | — |
Approval sizes
- $50,000 or less58.1%36
- $50,001 to $150,0004.8%3
- $150,001 to $350,0008.1%5
- $350,001 to $1 million14.5%9
- $1 million to $2 million3.2%2
- Over $2 million11.3%7
Age of the businesses
- Existing, more than 2 years old66.1%41
- New business, 2 years or less14.5%9
- Startup, loan funds will open the business6.5%4
- Change of ownership12.9%8
Questions and answers
Which lenders make the most SBA loans in Tillamook County?
By approvals in FY2021 to FY2025: 1st Security Bank of Washington (23), Columbia Bank (12), U.S. Bank, National Association (8), Live Oak Banking Company (3), KeyBank National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Tillamook County?
The median 7(a) approval was $39K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Tillamook County?
Restaurants and Other Eating Places (7); Grocery Stores (5); Traveler Accommodation (3); Other Amusement and Recreation Industries (3); Consumer Goods Rental (3).
Is SBA lending in Tillamook County rising?
Approvals in the three latest complete fiscal years total 32, against 39 in the three before: falling (-18%).
How does Tillamook County compare with the rest of Oregon?
80.6 approvals per 1,000 establishments against 40.8 statewide, and 62 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