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County9th of 34 in Oregon by approvalsFIPS 41071
SBA loans in Yamhill 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 124 loans to businesses in Yamhill County, Oregon, in FY2021 to FY2025, worth $63.8M: 119 under 7(a) and 5 under 504.
That is 44.9 approvals per 1,000 business establishments (2,760 establishments in 2023), close to the Oregon figure of 40.8 and close to the national 41.0.
It ranks 9th of 34 Oregon counties with approvals. In FY2025 there were 33, up 18% on FY2024.
36 lenders had approvals here; the most active were Columbia Bank (27), U.S. Bank, National Association (18) and Banner Bank (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 Yamhill County
By number of approvals to businesses in the county, FY2021–FY2025; 36 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 27 | $3.4M | 21.8% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 18 | $1.5M | 14.5% | |
| 3 | Banner BankWalla Walla, WA | 8 | $1.2M | 6.5% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 7 | $13.3M | 5.6% | |
| 5 | JPMorgan Chase Bank, National AssociationColumbus, OH | 6 | $1.1M | 4.8% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 5 | $6.5M | 4.0% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 5 | $2.9M | 4.0% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 4 | $671K | 3.2% | |
| 9 | Evergreen Business CapitalSeattle, WA · CDC | 3 | $2.9M | 2.4% | |
| 10 | Washington Trust BankSpokane, WA | 3 | $714K | 2.4% | |
| 11 | KeyBank National AssociationCleveland, OH | 3 | $454K | 2.4% | |
| 12 | Northeast BankLewiston, ME | 3 | $260K | 2.4% | |
| 13 | Wells Fargo Bank National AssociationSioux Falls, SD | 3 | $257K | 2.4% | |
| 14 | PCB BankLos Angeles, CA | 2 | — | 1.6% | |
| 15 | Banc of CaliforniaLos Angeles, CA | 2 | — | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 11 | 8.9% | |
| 2 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 10 | 8.1% | |
| 3 | Grocery StoresNAICS 4451 | 8 | 6.5% | |
| 4 | Beverage ManufacturingNAICS 3121 | 8 | 6.5% | |
| 5 | Personal Care ServicesNAICS 8121 | 6 | 4.8% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 5 | 4.0% | |
| 7 | Residential Building ConstructionNAICS 2361 | 5 | 4.0% | |
| 8 | Offices of DentistsNAICS 6212 | 4 | 3.2% | |
| 9 | Gasoline StationsNAICS 4571 | 3 | 2.4% | |
| 10 | Lessors of Real EstateNAICS 5311 | 3 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 26 | 21.0% | |
| 2 | Manufacturing | 20 | 16.1% | |
| 3 | Retail Trade | 16 | 12.9% | |
| 4 | Accommodation and Food Services | 16 | 12.9% | |
| 5 | Other Services (except Public Administration) | 9 | 7.3% | |
| 6 | Health Care and Social Assistance | 8 | 6.5% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 6 | 4.8% | |
| 8 | Wholesale Trade | 6 | 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* | 14 | $5.2M | $75K | 2 | — | 16 | 58 |
| FY2025 | 31 | $21.3M | $220K | 2 | — | 33 | 529 |
| FY2024 | 28 | $8.9M | $50K | 0 | — | 28 | 154 |
| FY2023 | 16 | $8.5M | $150K | 0 | — | 16 | 123 |
| FY2022 | 16 | $5.8M | $50K | 1 | — | 17 | 97 |
| FY2021 | 28 | $15.7M | $290K | 2 | — | 30 | 218 |
| FY2020 | 17 | $2.8M | $25K | 4 | $3.4M | 21 | 99 |
| FY2019 | 21 | $6.4M | $215K | 1 | — | 22 | 484 |
| FY2018 | 21 | $5.2M | $125K | 0 | — | 21 | 121 |
| FY2017 | 13 | $3.8M | $150K | 4 | $6.3M | 17 | 138 |
| FY2016 | 19 | $13.2M | $90K | 1 | — | 20 | 194 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 101 approvals.
Against Oregon and the country
| FY2021–FY2025 | Yamhill County | Oregon | United States |
|---|---|---|---|
| Approvals | 124 | 5,000 | 342,825 |
| Approvals per 1,000 establishments | 44.9 | 40.8 | 41.0 |
| Median 7(a) approval | $150K | $118K | $190K |
| Median 504 approval | $516K | $667K | $657K |
| Average approval | $515K | $529K | $573K |
| 504 share of approvals | 4.0% | 8.2% | 11.0% |
| Jobs supported per approval, as reported | 9.0 | 8.4 | 10.5 |
| Share of state approvals | 2.5% | 100.0% | — |
Approval sizes
- $50,000 or less38.7%48
- $50,001 to $150,00012.1%15
- $150,001 to $350,00016.1%20
- $350,001 to $1 million17.7%22
- $1 million to $2 million8.9%11
- Over $2 million6.5%8
Age of the businesses
- Existing, more than 2 years old67.7%84
- New business, 2 years or less18.5%23
- Startup, loan funds will open the business8.1%10
- Change of ownership5.6%7
Questions and answers
Which lenders make the most SBA loans in Yamhill County?
By approvals in FY2021 to FY2025: Columbia Bank (27), U.S. Bank, National Association (18), Banner Bank (8), Readycap Lending, LLC (7), JPMorgan Chase Bank, National Association (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Yamhill County?
The median 7(a) approval was $150K and the median 504 approval $516K; the Oregon 7(a) median was $118K.
Which industries get the most SBA loans in Yamhill County?
Restaurants and Other Eating Places (11); Foundation, Structure, and Building Exterior Contractors (10); Grocery Stores (8); Beverage Manufacturing (8); Personal Care Services (6).
Is SBA lending in Yamhill County rising?
Approvals in the three latest complete fiscal years total 77, against 68 in the three before: rising (+13%).
How does Yamhill County compare with the rest of Oregon?
44.9 approvals per 1,000 establishments against 40.8 statewide, and 124 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