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County2nd of 34 in Oregon by approvalsFIPS 41067
SBA loans in Washington 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 663 loans to businesses in Washington County, Oregon, in FY2021 to FY2025, worth $380M: 618 under 7(a) and 45 under 504.
That is 40.5 approvals per 1,000 business establishments (16,355 establishments in 2023), close to the Oregon figure of 40.8 and close to the national 41.0.
It ranks 2nd of 34 Oregon counties with approvals. In FY2025 there were 168, about level with FY2024.
85 lenders had approvals here; the most active were Columbia Bank (96), U.S. Bank, National Association (69) and KeyBank National Association (44). 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 Washington County
By number of approvals to businesses in the county, FY2021–FY2025; 85 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 96 | $30.9M | 14.5% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 69 | $16.0M | 10.4% | |
| 3 | KeyBank National AssociationCleveland, OH | 44 | $25.6M | 6.6% | |
| 4 | Banner BankWalla Walla, WA | 36 | $10.9M | 5.4% | |
| 5 | Wells Fargo Bank National AssociationSioux Falls, SD | 30 | $13.8M | 4.5% | |
| 6 | The Huntington National BankColumbus, OH | 27 | $6.8M | 4.1% | |
| 7 | Readycap Lending, LLCBerkeley Heights, NJ | 26 | $9.6M | 3.9% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 25 | $9.1M | 3.8% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 21 | $18.0M | 3.2% | |
| 10 | Northeast BankLewiston, ME | 21 | $3.7M | 3.2% | |
| 11 | JPMorgan Chase Bank, National AssociationColumbus, OH | 19 | $6.9M | 2.9% | |
| 12 | Evergreen Business CapitalSeattle, WA · CDC | 18 | $25.6M | 2.7% | |
| 13 | BayFirst National BankSaint Petersburg, FL | 15 | $2.3M | 2.3% | |
| 14 | Banc of CaliforniaLos Angeles, CA | 13 | $29.2M | 2.0% | |
| 15 | United Midwest Savings Bank National AssociationDe Graff, OH | 13 | $4.6M | 2.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 56 | 8.4% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 30 | 4.5% | |
| 3 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 26 | 3.9% | |
| 4 | Residential Building ConstructionNAICS 2361 | 25 | 3.8% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 24 | 3.6% | |
| 6 | Other Amusement and Recreation IndustriesNAICS 7139 | 20 | 3.0% | |
| 7 | Personal Care ServicesNAICS 8121 | 19 | 2.9% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 17 | 2.6% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 16 | 2.4% | |
| 10 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 16 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 106 | 16.0% | |
| 2 | Professional, Scientific, and Technical Services | 87 | 13.1% | |
| 3 | Health Care and Social Assistance | 87 | 13.1% | |
| 4 | Accommodation and Food Services | 70 | 10.6% | |
| 5 | Other Services (except Public Administration) | 58 | 8.7% | |
| 6 | Retail Trade | 50 | 7.5% | |
| 7 | Manufacturing | 49 | 7.4% | |
| 8 | Wholesale Trade | 35 | 5.3% |
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* | 99 | $40.8M | $232K | 7 | $8.6M | 106 | 910 |
| FY2025 | 166 | $69.9M | $250K | 2 | — | 168 | 1,550 |
| FY2024 | 152 | $60.7M | $150K | 5 | $5.3M | 157 | 1,506 |
| FY2023 | 106 | $61.3M | $252K | 6 | $9.8M | 112 | 1,205 |
| FY2022 | 102 | $61.6M | $130K | 18 | $29.7M | 120 | 1,016 |
| FY2021 | 92 | $66.2M | $286K | 14 | $13.0M | 106 | 1,182 |
| FY2020 | 92 | $48.6M | $250K | 6 | $7.6M | 98 | 857 |
| FY2019 | 133 | $54.7M | $125K | 11 | $7.3M | 144 | 1,294 |
| FY2018 | 106 | $45.5M | $129K | 6 | $3.8M | 112 | 1,260 |
| FY2017 | 123 | $57.8M | $190K | 8 | $10.9M | 131 | 1,238 |
| FY2016 | 120 | $64.5M | $119K | 9 | $8.3M | 129 | 1,381 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 614 approvals.
Against Oregon and the country
| FY2021–FY2025 | Washington County | Oregon | United States |
|---|---|---|---|
| Approvals | 663 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 40.5 | 40.8 | 41.0 |
| Median 7(a) approval | $193K | $118K | $190K |
| Median 504 approval | $878K | $667K | $657K |
| Average approval | $573K | $529K | $573K |
| 504 share of approvals | 6.8% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 9.7 | 8.4 | 10.5 |
| Share of state approvals | 13.3% | 100.0% | — |
Approval sizes
- $50,000 or less30.6%203
- $50,001 to $150,00014.3%95
- $150,001 to $350,00015.8%105
- $350,001 to $1 million22.6%150
- $1 million to $2 million9.8%65
- Over $2 million6.8%45
Age of the businesses
- Existing, more than 2 years old61.5%408
- New business, 2 years or less16.4%109
- Startup, loan funds will open the business11.9%79
- Change of ownership10.1%67
Questions and answers
Which lenders make the most SBA loans in Washington County?
By approvals in FY2021 to FY2025: Columbia Bank (96), U.S. Bank, National Association (69), KeyBank National Association (44), Banner Bank (36), Wells Fargo Bank National Association (30). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Washington County?
The median 7(a) approval was $193K and the median 504 approval $878K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Washington County?
Restaurants and Other Eating Places (56); Offices of Other Health Practitioners (30); Management, Scientific, and Technical Consulting Services (26); Residential Building Construction (25); Building Equipment Contractors (24).
Is SBA lending in Washington County rising?
Approvals in the three latest complete fiscal years total 437, against 324 in the three before: rising (+35%).
How does Washington County compare with the rest of Oregon?
40.5 approvals per 1,000 establishments against 40.8 statewide, and 663 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