Lenders › Northwest Bank
7(a) lenderBoise, IdahoFDIC-insured bank250th of 2,184 by approvals
Northwest Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
Northwest Bank, based in Boise, Idaho, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 139 of its 7(a) loans worth $132M in FY2021 to FY2025, which places it 250th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 28 approvals totalling $22.2M, down 28% on FY2024 (39). FY2026 to 30 Jun 2026 adds 16 more.
The median approval was $517K, against $190K for the 7(a) program as a whole; 16.5% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 8 states and territories and 35 counties, led by Washington (34.5%), Utah (28.8%) and Idaho (18.7%). The largest industry group was accommodation and food services at 18.0% of approvals, and 5.8% of approvals were to franchise businesses.
Of 311 disbursed loans approved in FY2010 to FY2021, SBA records 12 as charged off (3.9%), 230 as paid in full and 69 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 16 | $26.0M | $1.1M | $1.6M | 587 |
| FY2025 | 28 | $22.2M | $506K | $793K | 218 |
| FY2024 | 39 | $37.3M | $540K | $957K | 397 |
| FY2023 | 32 | $35.7M | $732K | $1.1M | 619 |
| FY2022 | 14 | $17.2M | $596K | $1.2M | 384 |
| FY2021 | 26 | $19.6M | $234K | $753K | 272 |
| FY2020 | 77 | $38.1M | $284K | $495K | 1,303 |
| FY2019 | 61 | $40.4M | $245K | $662K | 1,647 |
| FY2018 | 51 | $24.8M | $200K | $486K | 994 |
| FY2017 | 58 | $27.5M | $398K | $474K | 1,249 |
| FY2016 | 14 | $9.1M | $423K | $652K | 292 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 261 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Washington | 7(a) program |
|---|---|---|---|
| Approvals in these years | 354 | 17,200 | 639,905 |
| Cancelled or never disbursed | 43 | 2,118 | 79,313 |
| Disbursed loans | 311 | 15,082 | 560,592 |
| Paid in full | 230 | 12,092 | 435,813 |
| Charged off | 12 | 678 | 36,891 |
| Still outstanding (status exempt from disclosure) | 69 | 2,312 | 87,888 |
| Charged off, share of disbursed loans | 3.9% | 4.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | 2.2% | 1.6% | 2.5% |
| Dollars charged off | $3.7M | $114M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 24 | 11 | 0 | — | 2.8% |
| FY2020 | 68 | 46 | 0 | 0.0% | 4.0% |
| FY2019 | 44 | 29 | 2 | 4.5% | 6.7% |
| FY2018 | 48 | 39 | 1 | 2.1% | 7.9% |
| FY2017 | 56 | 40 | 6 | 10.7% | 7.7% |
| FY2016 | 12 | 11 | 1 | — | 7.2% |
| FY2015 | 22 | 20 | 1 | — | 6.9% |
| FY2014 | 13 | 12 | 0 | — | 6.4% |
| FY2013 | 12 | 12 | 0 | — | 6.0% |
| FY2012 | 4 | 4 | 0 | — | 6.3% |
| FY2011 | 4 | 3 | 1 | — | 6.9% |
| FY2010 | 4 | 3 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $517K | $190K |
| Average approval | $950K | $518K |
| Approvals of $150,000 or less | 16.5% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 30.9% | 34.3% |
| Approvals to franchise businesses | 5.8% | 11.5% |
| Jobs supported per approval, as reported | 13.6 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 3.9% | 6.6% |
States served
| # | State of the business (8 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Washington | 48 | $67.0M | 34.5% | |
| 2 | Utah | 40 | $28.1M | 28.8% | |
| 3 | Idaho | 26 | $17.7M | 18.7% | |
| 4 | Oregon | 18 | $14.1M | 12.9% | |
| 5 | Tennessee | 2 | — | 1.4% | |
| 6 | Colorado | 2 | — | 1.4% | |
| 7 | Montana | 2 | — | 1.4% | |
| 8 | Texas | 1 | — | 0.7% |
In Washington the lender accounts for 0.6% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (35 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | King County, WA | 25 | $35.1M | 18.0% | |
| 2 | Salt Lake County, UT | 17 | $14.0M | 12.2% | |
| 3 | Ada County, ID | 9 | $8.1M | 6.5% | |
| 4 | Spokane County, WA | 8 | $4.8M | 5.8% | |
| 5 | Utah County, UT | 7 | $4.1M | 5.0% | |
| 6 | Canyon County, ID | 6 | $3.6M | 4.3% | |
| 7 | Multnomah County, OR | 5 | $4.2M | 3.6% | |
| 8 | Tooele County, UT | 5 | $1.9M | 3.6% | |
| 9 | Stevens County, WA | 5 | $563K | 3.6% | |
| 10 | Snohomish County, WA | 4 | $14.0M | 2.9% | |
| 11 | Davis County, UT | 4 | $2.8M | 2.9% | |
| 12 | Kootenai County, ID | 4 | $836K | 2.9% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 25 | 18.0% | |
| 2 | Retail Trade | 20 | 14.4% | |
| 3 | Manufacturing | 17 | 12.2% | |
| 4 | Construction | 14 | 10.1% | |
| 5 | Professional, Scientific, and Technical Services | 10 | 7.2% | |
| 6 | Wholesale Trade | 8 | 5.8% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 8 | 5.8% | |
| 8 | Arts, Entertainment, and Recreation | 7 | 5.0% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 23 | 16.5% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 7 | 5.0% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 7 | 5.0% | |
| 4 | Other Schools and InstructionNAICS 6116 | 6 | 4.3% | |
| 5 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 5 | 3.6% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 5 | 3.6% | |
| 7 | Consumer Goods RentalNAICS 5322 | 5 | 3.6% | |
| 8 | Architectural, Engineering, and Related ServicesNAICS 5413 | 4 | 2.9% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 4 | 2.9% | |
| 10 | Resin, Synthetic Rubber, and Artificial and Synthetic Fibers and Filaments ManufacturingNAICS 3252 | 4 | 2.9% |
Approval sizes
- $50,000 or less3.6%5
- $50,001 to $150,00012.9%18
- $150,001 to $350,00020.9%29
- $350,001 to $1 million30.2%42
- $1 million to $2 million20.9%29
- Over $2 million11.5%16
Loan terms
- 5 years or less0.7%1
- Over 5 to 10 years81.3%113
- Over 10 to 20 years5.8%8
- Over 20 years12.2%17
Age of the businesses
- Existing, more than 2 years old23.0%32
- New business, 2 years or less13.7%19
- Startup, loan funds will open the business17.3%24
- Change of ownership46.0%64
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 109 | 78.4% | |
| 2 | SBA Express Program | 26 | 18.7% | |
| 3 | International Trade Loans | 3 | 2.2% | |
| 4 | 7a General | 1 | 0.7% |
Franchise share
8 of 139 approvals in FY2021–FY2025 (5.8%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Altitude Trampoline Park | 2 | 1.4% | |
| 2 | Papa Murphy's Take 'N' Bake Pizza | 1 | 0.7% | |
| 3 | Ace Hardware | 1 | 0.7% | |
| 4 | Subway | 1 | 0.7% | |
| 5 | Gandolfo's Deli | 1 | 0.7% | |
| 6 | Frenchies Modern Nail Care | 1 | 0.7% | |
| 7 | Metal Supermarkets | 1 | 0.7% |
Questions and answers
How many SBA loans does Northwest Bank make?
SBA approved 28 7(a) loans through Northwest Bank in FY2025, worth $22.2M, and 139 over FY2021 to FY2025. That ranks 250th of 2,184 active 7(a) lenders by number of approvals.
How large are Northwest Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $517K and the average $950K. The program-wide median was $190K.
What is Northwest Bank's charge-off rate?
Of 311 disbursed loans approved in FY2010 to FY2021, SBA records 12 as charged off (3.9%), 230 as paid in full and 69 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Northwest Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (23); services to buildings and dwellings (7); other amusement and recreation industries (7); other schools and instruction (6).
Where does Northwest Bank make SBA loans?
In 8 states and territories. Washington 48, Utah 40, Idaho 26, Oregon 18, Tennessee 2. In Washington it accounts for 0.6% of all 7(a) approvals.
Is Northwest Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 99, against 117 in the three before: falling (-15%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error