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County28th of 39 in Washington by approvalsFIPS 53031
SBA loans in Jefferson County, Washington
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 Jefferson County, Washington, received 30 SBA loan approvals worth $19.6M in FY2021 to FY2025 (28 7(a), 2 504).
That is 30.3 approvals per 1,000 business establishments (991 establishments in 2023), below the Washington figure of 44.0 and below the national 41.0.
It ranks 28th of 39 Washington counties with approvals. In FY2025 there were 5.
19 lenders had approvals here; the most active were Live Oak Banking Company (3), Columbia Bank (3) and U.S. Bank, National Association (3). The most common industry was lessors of real estate.
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 Jefferson County
By number of approvals to businesses in the county, FY2021–FY2025; 19 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking CompanyWilmington, NC | 3 | $3.0M | 10.0% | |
| 2 | Columbia BankLake Oswego, OR | 3 | $885K | 10.0% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 3 | $868K | 10.0% | |
| 4 | 1st Security Bank of WashingtonMountlake Terrace, WA | 3 | $150K | 10.0% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 6.7% | |
| 6 | BMO Bank National AssociationChicago, IL | 2 | — | 6.7% | |
| 7 | Heritage BankOlympia, WA | 2 | — | 6.7% | |
| 8 | The Bancorp Bank National AssociationSioux Falls, SD | 1 | — | 3.3% | |
| 9 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 3.3% | |
| 10 | US Metro BankGarden Grove, CA | 1 | — | 3.3% | |
| 11 | Enterprise Bank & TrustClayton, MO | 1 | — | 3.3% | |
| 12 | Banner BankWalla Walla, WA | 1 | — | 3.3% | |
| 13 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 1 | — | 3.3% | |
| 14 | JPMorgan Chase Bank, National AssociationColumbus, OH | 1 | — | 3.3% | |
| 15 | Evergreen Business CapitalSeattle, WA · CDC | 1 | — | 3.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Lessors of Real EstateNAICS 5311 | 3 | 10.0% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 10.0% | |
| 3 | Special Food ServicesNAICS 7223 | 3 | 10.0% | |
| 4 | Gasoline StationsNAICS 4571 | 2 | 6.7% | |
| 5 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 2 | 6.7% | |
| 6 | Grocery StoresNAICS 4451 | 2 | 6.7% | |
| 7 | Offices of Real Estate Agents and BrokersNAICS 5312 | 2 | 6.7% | |
| 8 | Traveler AccommodationNAICS 7211 | 1 | 3.3% | |
| 9 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 1 | 3.3% | |
| 10 | Commercial and Industrial Machinery and Equipment Rental and LeasingNAICS 5324 | 1 | 3.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Real Estate and Rental and Leasing | 6 | 20.0% | |
| 2 | Accommodation and Food Services | 6 | 20.0% | |
| 3 | Retail Trade | 5 | 16.7% | |
| 4 | Professional, Scientific, and Technical Services | 5 | 16.7% | |
| 5 | Other Services (except Public Administration) | 3 | 10.0% | |
| 6 | Manufacturing | 3 | 10.0% | |
| 7 | Construction | 1 | 3.3% | |
| 8 | Arts, Entertainment, and Recreation | 1 | 3.3% |
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* | 3 | $558K | $202K | 0 | — | 3 | 24 |
| FY2025 | 5 | $2.7M | $680K | 0 | — | 5 | 20 |
| FY2024 | 6 | $2.6M | $305K | 1 | — | 7 | 31 |
| FY2023 | 9 | $7.4M | $329K | 1 | — | 10 | 79 |
| FY2022 | 6 | $3.8M | $800K | 0 | — | 6 | 34 |
| FY2021 | 2 | — | — | 0 | — | 2 | 13 |
| FY2020 | 2 | — | — | 0 | — | 2 | 28 |
| FY2019 | 0 | — | — | 0 | — | 0 | 0 |
| FY2018 | 4 | $1.2M | $229K | 1 | — | 5 | 43 |
| FY2017 | 5 | $4.5M | $203K | 0 | — | 5 | 115 |
| FY2016 | 4 | $10.0M | $2.5M | 0 | — | 4 | 23 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 16 approvals.
Against Washington and the country
| FY2021–FY2025 | Jefferson County | Washington | United States |
|---|---|---|---|
| Approvals | 30 | 8,905 | 342,825 |
| Approvals per 1,000 establishments | 30.3 | 44.0 | 41.0 |
| Median 7(a) approval | $591K | $200K | $190K |
| Median 504 approval | — | $699K | $657K |
| Average approval | $654K | $627K | $573K |
| 504 share of approvals | 6.7% | 7.8% | 11.0% |
| Jobs supported per approval, as reported | 5.9 | 9.2 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less26.7%8
- $50,001 to $150,0006.7%2
- $150,001 to $350,0006.7%2
- $350,001 to $1 million36.7%11
- $1 million to $2 million20.0%6
- Over $2 million3.3%1
Age of the businesses
- Existing, more than 2 years old63.3%19
- New business, 2 years or less13.3%4
- Startup, loan funds will open the business6.7%2
- Change of ownership16.7%5
Questions and answers
Which lenders make the most SBA loans in Jefferson County?
By approvals in FY2021 to FY2025: Live Oak Banking Company (3), Columbia Bank (3), U.S. Bank, National Association (3), 1st Security Bank of Washington (3), Readycap Lending, LLC (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Jefferson County?
The median 7(a) approval was $591K; the Washington 7(a) median was $200K.
Which industries get the most SBA loans in Jefferson County?
Lessors of Real Estate (3); Automotive Repair and Maintenance (3); Special Food Services (3); Gasoline Stations (2); RV (Recreational Vehicle) Parks and Recreational Camps (2).
Is SBA lending in Jefferson County rising?
Approvals in the three latest complete fiscal years total 22, against 10 in the three before: rising (+120%).
How does Jefferson County compare with the rest of Washington?
30.3 approvals per 1,000 establishments against 44.0 statewide, and 30 of the state's 8,905 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