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County22nd of 39 in Washington by approvalsFIPS 53037
SBA loans in Kittitas 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.
SBA approved 55 loans to businesses in Kittitas County, Washington, in FY2021 to FY2025, worth $46.5M: 53 under 7(a) and 2 under 504.
That is 36.7 approvals per 1,000 business establishments (1,500 establishments in 2023), below the Washington figure of 44.0 and close to the national 41.0.
It ranks 22nd of 39 Washington counties with approvals. In FY2025 there were 18, up 20% on FY2024.
29 lenders had approvals here; the most active were Columbia Bank (9), BayFirst National Bank (7) and U.S. Bank, National Association (4). 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 Kittitas County
By number of approvals to businesses in the county, FY2021–FY2025; 29 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 9 | $704K | 16.4% | |
| 2 | BayFirst National BankSaint Petersburg, FL | 7 | $971K | 12.7% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 4 | $1.5M | 7.3% | |
| 4 | Enterprise Bank & TrustClayton, MO | 3 | $2.7M | 5.5% | |
| 5 | Wells Fargo Bank National AssociationSioux Falls, SD | 2 | — | 3.6% | |
| 6 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 3.6% | |
| 7 | Washington Trust BankSpokane, WA | 2 | — | 3.6% | |
| 8 | Northeast BankLewiston, ME | 2 | — | 3.6% | |
| 9 | Banner BankWalla Walla, WA | 2 | — | 3.6% | |
| 10 | KeyBank National AssociationCleveland, OH | 2 | — | 3.6% | |
| 11 | The Huntington National BankColumbus, OH | 2 | — | 3.6% | |
| 12 | Northwest BankBoise, ID | 1 | — | 1.8% | |
| 13 | American Continental BankCity of Industry, CA | 1 | — | 1.8% | |
| 14 | Commonwealth Business BankLos Angeles, CA | 1 | — | 1.8% | |
| 15 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 12.7% | |
| 2 | Traveler AccommodationNAICS 7211 | 5 | 9.1% | |
| 3 | Miscellaneous Nondurable Goods Merchant WholesalersNAICS 4249 | 4 | 7.3% | |
| 4 | Residential Building ConstructionNAICS 2361 | 4 | 7.3% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 5.5% | |
| 6 | Grocery StoresNAICS 4451 | 2 | 3.6% | |
| 7 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 3.6% | |
| 8 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 2 | 3.6% | |
| 9 | Business Support ServicesNAICS 5614 | 2 | 3.6% | |
| 10 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 2 | 3.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 14 | 25.5% | |
| 2 | Construction | 11 | 20.0% | |
| 3 | Retail Trade | 8 | 14.5% | |
| 4 | Wholesale Trade | 6 | 10.9% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 4 | 7.3% | |
| 6 | Professional, Scientific, and Technical Services | 3 | 5.5% | |
| 7 | Educational Services | 2 | 3.6% | |
| 8 | Other Services (except Public Administration) | 2 | 3.6% |
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* | 10 | $3.2M | $50K | 3 | $2.4M | 13 | 58 |
| FY2025 | 17 | $10.1M | $150K | 1 | — | 18 | 149 |
| FY2024 | 15 | $5.2M | $150K | 0 | — | 15 | 135 |
| FY2023 | 7 | $743K | $121K | 0 | — | 7 | 43 |
| FY2022 | 9 | $19.0M | $2.2M | 0 | — | 9 | 97 |
| FY2021 | 5 | $10.2M | $599K | 1 | — | 6 | 57 |
| FY2020 | 8 | $5.4M | $550K | 0 | — | 8 | 44 |
| FY2019 | 7 | $3.7M | $550K | 1 | — | 8 | 60 |
| FY2018 | 6 | $4.1M | $229K | 0 | — | 6 | 46 |
| FY2017 | 6 | $7.0M | $606K | 1 | — | 7 | 45 |
| FY2016 | 3 | $5.5M | $2.2M | 0 | — | 3 | 68 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 32 approvals.
Against Washington and the country
| FY2021–FY2025 | Kittitas County | Washington | United States |
|---|---|---|---|
| Approvals | 55 | 8,905 | 342,825 |
| Approvals per 1,000 establishments | 36.7 | 44.0 | 41.0 |
| Median 7(a) approval | $217K | $200K | $190K |
| Median 504 approval | — | $699K | $657K |
| Average approval | $846K | $627K | $573K |
| 504 share of approvals | 3.6% | 7.8% | 11.0% |
| Jobs supported per approval, as reported | 8.7 | 9.2 | 10.5 |
| Share of state approvals | 0.6% | 100.0% | — |
Approval sizes
- $50,000 or less29.1%16
- $50,001 to $150,00016.4%9
- $150,001 to $350,00010.9%6
- $350,001 to $1 million23.6%13
- $1 million to $2 million5.5%3
- Over $2 million14.5%8
Age of the businesses
- Existing, more than 2 years old72.7%40
- New business, 2 years or less14.5%8
- Startup, loan funds will open the business3.6%2
- Change of ownership9.1%5
Questions and answers
Which lenders make the most SBA loans in Kittitas County?
By approvals in FY2021 to FY2025: Columbia Bank (9), BayFirst National Bank (7), U.S. Bank, National Association (4), Enterprise Bank & Trust (3), Wells Fargo Bank National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Kittitas County?
The median 7(a) approval was $217K; the Washington 7(a) median was $200K.
Which industries get the most SBA loans in Kittitas County?
Restaurants and Other Eating Places (7); Traveler Accommodation (5); Miscellaneous Nondurable Goods Merchant Wholesalers (4); Residential Building Construction (4); Other Specialty Trade Contractors (3).
Is SBA lending in Kittitas County rising?
Approvals in the three latest complete fiscal years total 40, against 23 in the three before: rising (+74%).
How does Kittitas County compare with the rest of Washington?
36.7 approvals per 1,000 establishments against 44.0 statewide, and 55 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