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County15th of 34 in Oregon by approvalsFIPS 41059
SBA loans in Umatilla 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 Umatilla County, Oregon, received 64 SBA loan approvals worth $51.5M in FY2021 to FY2025 (59 7(a), 5 504).
That is 39.6 approvals per 1,000 business establishments (1,616 establishments in 2023), close to the Oregon figure of 40.8 and close to the national 41.0.
It ranks 15th of 34 Oregon counties with approvals. In FY2025 there were 21, up 110% on FY2024.
21 lenders had approvals here; the most active were Columbia Bank (22), Banner Bank (8) and U.S. Bank, National Association (6). The most common industry was gasoline stations.
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 Umatilla County
By number of approvals to businesses in the county, FY2021–FY2025; 21 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 22 | $4.9M | 34.4% | |
| 2 | Banner BankWalla Walla, WA | 8 | $485K | 12.5% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 6 | $5.0M | 9.4% | |
| 4 | Newtek Bank, National AssociationMiami, FL | 4 | $520K | 6.3% | |
| 5 | Mountain Pacific BankEverett, WA | 3 | $8.5M | 4.7% | |
| 6 | Open BankLos Angeles, CA | 2 | — | 3.1% | |
| 7 | Commonwealth Business BankLos Angeles, CA | 2 | — | 3.1% | |
| 8 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 3.1% | |
| 9 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 2 | — | 3.1% | |
| 10 | Northeast BankLewiston, ME | 2 | — | 3.1% | |
| 11 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 1.6% | |
| 12 | Evergreen Business CapitalSeattle, WA · CDC | 1 | — | 1.6% | |
| 13 | Mortgage Capital Development CorporationOakland, CA · CDC | 1 | — | 1.6% | |
| 14 | United Midwest Savings Bank National AssociationDe Graff, OH | 1 | — | 1.6% | |
| 15 | US Metro BankGarden Grove, CA | 1 | — | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Gasoline StationsNAICS 4571 | 11 | 17.2% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 14.1% | |
| 3 | Lessors of Real EstateNAICS 5311 | 4 | 6.3% | |
| 4 | Residential Building ConstructionNAICS 2361 | 4 | 6.3% | |
| 5 | Grocery StoresNAICS 4451 | 3 | 4.7% | |
| 6 | Beverage ManufacturingNAICS 3121 | 3 | 4.7% | |
| 7 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 4.7% | |
| 8 | General Freight TruckingNAICS 4841 | 3 | 4.7% | |
| 9 | Traveler AccommodationNAICS 7211 | 2 | 3.1% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 20 | 31.3% | |
| 2 | Accommodation and Food Services | 11 | 17.2% | |
| 3 | Construction | 10 | 15.6% | |
| 4 | Manufacturing | 6 | 9.4% | |
| 5 | Real Estate and Rental and Leasing | 4 | 6.3% | |
| 6 | Transportation and Warehousing | 4 | 6.3% | |
| 7 | Other Services (except Public Administration) | 3 | 4.7% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 2 | 3.1% |
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 | $4.6M | $50K | 0 | — | 12 | 39 |
| FY2025 | 18 | $11.3M | $94K | 3 | $4.0M | 21 | 107 |
| FY2024 | 10 | $5.1M | $50K | 0 | — | 10 | 32 |
| FY2023 | 13 | $14.9M | $524K | 0 | — | 13 | 93 |
| FY2022 | 11 | $8.9M | $274K | 1 | — | 12 | 108 |
| FY2021 | 7 | $3.7M | $282K | 1 | — | 8 | 107 |
| FY2020 | 6 | $2.6M | $51K | 1 | — | 7 | 15 |
| FY2019 | 10 | $1.5M | $24K | 0 | — | 10 | 43 |
| FY2018 | 13 | $5.2M | $76K | 1 | — | 14 | 79 |
| FY2017 | 12 | $6.6M | $55K | 1 | — | 13 | 63 |
| FY2016 | 8 | $1.0M | $55K | 0 | — | 8 | 52 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 52 approvals.
Against Oregon and the country
| FY2021–FY2025 | Umatilla County | Oregon | United States |
|---|---|---|---|
| Approvals | 64 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 39.6 | 40.8 | 41.0 |
| Median 7(a) approval | $100K | $118K | $190K |
| Median 504 approval | $1.0M | $667K | $657K |
| Average approval | $805K | $529K | $573K |
| 504 share of approvals | 7.8% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 7.0 | 8.4 | 10.5 |
| Share of state approvals | 1.3% | 100.0% | — |
Approval sizes
- $50,000 or less40.6%26
- $50,001 to $150,00014.1%9
- $150,001 to $350,0004.7%3
- $350,001 to $1 million17.2%11
- $1 million to $2 million6.3%4
- Over $2 million17.2%11
Age of the businesses
- Existing, more than 2 years old56.3%36
- New business, 2 years or less18.8%12
- Startup, loan funds will open the business3.1%2
- Change of ownership21.9%14
Questions and answers
Which lenders make the most SBA loans in Umatilla County?
By approvals in FY2021 to FY2025: Columbia Bank (22), Banner Bank (8), U.S. Bank, National Association (6), Newtek Bank, National Association (4), Mountain Pacific Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Umatilla County?
The median 7(a) approval was $100K and the median 504 approval $1.0M; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Umatilla County?
Gasoline Stations (11); Restaurants and Other Eating Places (9); Lessors of Real Estate (4); Residential Building Construction (4); Grocery Stores (3).
Is SBA lending in Umatilla County rising?
Approvals in the three latest complete fiscal years total 44, against 27 in the three before: rising (+63%).
How does Umatilla County compare with the rest of Oregon?
39.6 approvals per 1,000 establishments against 40.8 statewide, and 64 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