States › Washington › Okanogan County
County26th of 39 in Washington by approvalsFIPS 53047
SBA loans in Okanogan 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 Okanogan County, Washington, received 36 SBA loan approvals worth $17.9M in FY2021 to FY2025 (33 7(a), 3 504).
That is 30.0 approvals per 1,000 business establishments (1,202 establishments in 2023), below the Washington figure of 44.0 and below the national 41.0.
It ranks 26th of 39 Washington counties with approvals. In FY2025 there were 11.
14 lenders had approvals here; the most active were Columbia Bank (7), KeyBank National Association (4) and Banner Bank (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 Okanogan County
By number of approvals to businesses in the county, FY2021–FY2025; 14 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 7 | $328K | 19.4% | |
| 2 | KeyBank National AssociationCleveland, OH | 4 | $3.1M | 11.1% | |
| 3 | Banner BankWalla Walla, WA | 4 | $1.9M | 11.1% | |
| 4 | Open BankLos Angeles, CA | 3 | $1.9M | 8.3% | |
| 5 | WaFd BankSeattle, WA | 3 | $130K | 8.3% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 3 | $35K | 8.3% | |
| 7 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 5.6% | |
| 8 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 5.6% | |
| 9 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 2 | — | 5.6% | |
| 10 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 5.6% | |
| 11 | Harvest Small Business Finance, LLCLaguna Hills, CA | 1 | — | 2.8% | |
| 12 | Evergreen Business CapitalSeattle, WA · CDC | 1 | — | 2.8% | |
| 13 | The Huntington National BankColumbus, OH | 1 | — | 2.8% | |
| 14 | Glacier BankKalispell, MT | 1 | — | 2.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 11.1% | |
| 2 | Traveler AccommodationNAICS 7211 | 3 | 8.3% | |
| 3 | Residential Building ConstructionNAICS 2361 | 3 | 8.3% | |
| 4 | Gasoline StationsNAICS 4571 | 2 | 5.6% | |
| 5 | Building Material and Supplies DealersNAICS 4441 | 2 | 5.6% | |
| 6 | Gasoline StationsNAICS 4471 | 2 | 5.6% | |
| 7 | Grocery StoresNAICS 4451 | 2 | 5.6% | |
| 8 | Furniture StoresNAICS 4421 | 2 | 5.6% | |
| 9 | Motor Vehicle and Motor Vehicle Parts and Supplies Merchant WholesalersNAICS 4231 | 2 | 5.6% | |
| 10 | Health and Personal Care RetailersNAICS 4561 | 2 | 5.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 15 | 41.7% | |
| 2 | Accommodation and Food Services | 8 | 22.2% | |
| 3 | Construction | 3 | 8.3% | |
| 4 | Agriculture, Forestry, Fishing and Hunting | 3 | 8.3% | |
| 5 | Wholesale Trade | 2 | 5.6% | |
| 6 | Manufacturing | 1 | 2.8% | |
| 7 | Professional, Scientific, and Technical Services | 1 | 2.8% | |
| 8 | Health Care and Social Assistance | 1 | 2.8% |
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* | 11 | $2.1M | $39K | 0 | — | 11 | 226 |
| FY2025 | 11 | $1.1M | $50K | 0 | — | 11 | 47 |
| FY2024 | 7 | $8.0M | $135K | 0 | — | 7 | 70 |
| FY2023 | 6 | $3.7M | $233K | 1 | — | 7 | 49 |
| FY2022 | 6 | $1.9M | $150K | 0 | — | 6 | 26 |
| FY2021 | 3 | $1.7M | $856K | 2 | — | 5 | 10 |
| FY2020 | 5 | $3.4M | $450K | 0 | — | 5 | 30 |
| FY2019 | 5 | $2.4M | $334K | 0 | — | 5 | 26 |
| FY2018 | 5 | $1.9M | $317K | 0 | — | 5 | 106 |
| FY2017 | 10 | $2.2M | $117K | 0 | — | 10 | 52 |
| FY2016 | 5 | $1.4M | $265K | 1 | — | 6 | 75 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 31 approvals.
Against Washington and the country
| FY2021–FY2025 | Okanogan County | Washington | United States |
|---|---|---|---|
| Approvals | 36 | 8,905 | 342,825 |
| Approvals per 1,000 establishments | 30.0 | 44.0 | 41.0 |
| Median 7(a) approval | $123K | $200K | $190K |
| Median 504 approval | $402K | $699K | $657K |
| Average approval | $498K | $627K | $573K |
| 504 share of approvals | 8.3% | 7.8% | 11.0% |
| Jobs supported per approval, as reported | 5.6 | 9.2 | 10.5 |
| Share of state approvals | 0.4% | 100.0% | — |
Approval sizes
- $50,000 or less41.7%15
- $50,001 to $150,00013.9%5
- $150,001 to $350,00013.9%5
- $350,001 to $1 million16.7%6
- $1 million to $2 million8.3%3
- Over $2 million5.6%2
Age of the businesses
- Existing, more than 2 years old52.8%19
- New business, 2 years or less25.0%9
- Startup, loan funds will open the business11.1%4
- Change of ownership11.1%4
Questions and answers
Which lenders make the most SBA loans in Okanogan County?
By approvals in FY2021 to FY2025: Columbia Bank (7), KeyBank National Association (4), Banner Bank (4), Open Bank (3), WaFd Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Okanogan County?
The median 7(a) approval was $123K and the median 504 approval $402K; the Washington 7(a) median was $200K.
Which industries get the most SBA loans in Okanogan County?
Restaurants and Other Eating Places (4); Traveler Accommodation (3); Residential Building Construction (3); Gasoline Stations (2); Building Material and Supplies Dealers (2).
Is SBA lending in Okanogan County rising?
Approvals in the three latest complete fiscal years total 25, against 16 in the three before: rising (+56%).
How does Okanogan County compare with the rest of Washington?
30.0 approvals per 1,000 establishments against 44.0 statewide, and 36 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