States › Washington › Yakima County
County9th of 39 in Washington by approvalsFIPS 53077
SBA loans in Yakima 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 Yakima County, Washington, received 252 SBA loan approvals worth $152M in FY2021 to FY2025 (231 7(a), 21 504).
That is 50.3 approvals per 1,000 business establishments (5,010 establishments in 2023), close to the Washington figure of 44.0 and above the national 41.0.
It ranks 9th of 39 Washington counties with approvals. In FY2025 there were 59, up 18% on FY2024.
51 lenders had approvals here; the most active were Banner Bank (50), Columbia Bank (35) and KeyBank National Association (22). 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 Yakima County
By number of approvals to businesses in the county, FY2021–FY2025; 51 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Banner BankWalla Walla, WA | 50 | $7.5M | 19.8% | |
| 2 | Columbia BankLake Oswego, OR | 35 | $4.2M | 13.9% | |
| 3 | KeyBank National AssociationCleveland, OH | 22 | $3.3M | 8.7% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 21 | $5.7M | 8.3% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 14 | $13.7M | 5.6% | |
| 6 | BMO Bank National AssociationChicago, IL | 9 | $19.1M | 3.6% | |
| 7 | Evergreen Business CapitalSeattle, WA · CDC | 8 | $7.7M | 3.2% | |
| 8 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 7 | $8.2M | 2.8% | |
| 9 | The Huntington National BankColumbus, OH | 7 | $5.0M | 2.8% | |
| 10 | Ameritrust CDCEdmonds, WA · CDC | 6 | $3.9M | 2.4% | |
| 11 | Mountain Pacific BankEverett, WA | 5 | $13.6M | 2.0% | |
| 12 | Heritage BankOlympia, WA | 5 | $1.0M | 2.0% | |
| 13 | Northeast BankLewiston, ME | 5 | $857K | 2.0% | |
| 14 | Cathay BankLos Angeles, CA | 4 | $5.6M | 1.6% | |
| 15 | Wells Fargo Bank National AssociationSioux Falls, SD | 4 | $1.0M | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 18 | 7.1% | |
| 2 | Grocery StoresNAICS 4451 | 15 | 6.0% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 13 | 5.2% | |
| 4 | Gasoline StationsNAICS 4571 | 12 | 4.8% | |
| 5 | General Freight TruckingNAICS 4841 | 11 | 4.4% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 9 | 3.6% | |
| 7 | Gasoline StationsNAICS 4471 | 8 | 3.2% | |
| 8 | Child Day Care ServicesNAICS 6244 | 8 | 3.2% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 7 | 2.8% | |
| 10 | Building Material and Supplies DealersNAICS 4441 | 6 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 71 | 28.2% | |
| 2 | Construction | 32 | 12.7% | |
| 3 | Health Care and Social Assistance | 27 | 10.7% | |
| 4 | Accommodation and Food Services | 25 | 9.9% | |
| 5 | Other Services (except Public Administration) | 20 | 7.9% | |
| 6 | Transportation and Warehousing | 17 | 6.7% | |
| 7 | Manufacturing | 11 | 4.4% | |
| 8 | Professional, Scientific, and Technical Services | 11 | 4.4% |
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* | 32 | $16.5M | $148K | 2 | — | 34 | 310 |
| FY2025 | 56 | $25.5M | $100K | 3 | $4.0M | 59 | 407 |
| FY2024 | 49 | $36.9M | $182K | 1 | — | 50 | 493 |
| FY2023 | 41 | $9.4M | $40K | 3 | $2.6M | 44 | 237 |
| FY2022 | 36 | $21.7M | $265K | 6 | $9.1M | 42 | 470 |
| FY2021 | 49 | $38.9M | $235K | 8 | $3.6M | 57 | 343 |
| FY2020 | 23 | $11.9M | $196K | 0 | — | 23 | 93 |
| FY2019 | 38 | $16.5M | $215K | 0 | — | 38 | 274 |
| FY2018 | 43 | $30.1M | $325K | 8 | $4.5M | 51 | 343 |
| FY2017 | 39 | $18.7M | $150K | 3 | $1.3M | 42 | 123 |
| FY2016 | 47 | $15.2M | $239K | 2 | — | 49 | 418 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 203 approvals.
Against Washington and the country
| FY2021–FY2025 | Yakima County | Washington | United States |
|---|---|---|---|
| Approvals | 252 | 8,905 | 342,825 |
| Approvals per 1,000 establishments | 50.3 | 44.0 | 41.0 |
| Median 7(a) approval | $150K | $200K | $190K |
| Median 504 approval | $464K | $699K | $657K |
| Average approval | $604K | $627K | $573K |
| 504 share of approvals | 8.3% | 7.8% | 11.0% |
| Jobs supported per approval, as reported | 7.7 | 9.2 | 10.5 |
| Share of state approvals | 2.8% | 100.0% | — |
Approval sizes
- $50,000 or less37.3%94
- $50,001 to $150,00013.1%33
- $150,001 to $350,00013.9%35
- $350,001 to $1 million15.9%40
- $1 million to $2 million11.9%30
- Over $2 million7.9%20
Age of the businesses
- Existing, more than 2 years old61.1%154
- New business, 2 years or less21.8%55
- Startup, loan funds will open the business5.2%13
- Change of ownership11.9%30
Questions and answers
Which lenders make the most SBA loans in Yakima County?
By approvals in FY2021 to FY2025: Banner Bank (50), Columbia Bank (35), KeyBank National Association (22), U.S. Bank, National Association (21), Readycap Lending, LLC (14). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Yakima County?
The median 7(a) approval was $150K and the median 504 approval $464K; the Washington 7(a) median was $200K.
Which industries get the most SBA loans in Yakima County?
Restaurants and Other Eating Places (18); Grocery Stores (15); Automotive Repair and Maintenance (13); Gasoline Stations (12); General Freight Trucking (11).
Is SBA lending in Yakima County rising?
Approvals in the three latest complete fiscal years total 153, against 122 in the three before: rising (+25%).
How does Yakima County compare with the rest of Washington?
50.3 approvals per 1,000 establishments against 44.0 statewide, and 252 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