Local lending data
Who lends to businesses in Jackson County?
205 SBA 7(a) loans went to businesses in Jackson County recently, at a median of $60,000. The lenders that made them, ranked, with local rates and startup share.
205 SBA 7(a) loans went to businesses in Jackson County in the most recent fiscal years, at a median of $60,000. The most active lender was Columbia Bank, with 42 loans.
SBA lending in Jackson County, by the numbers
Every figure here is computed from SBA 7(a) loan-level FOIA data released 2026-06-30 — loans that were actually approved to businesses in this county, not advertised ranges.
| Measure | Jackson County | Oregon | National |
|---|---|---|---|
| Loans approved | 205 | 3,362 | 214,102 |
| Median loan | $60,000 | $100,000 | $150,000 |
| 25th - 75th percentile | $30,000 - $294,500 | $49,800 - $427,275 | $50,000 - $500,000 |
| Median term | 10 years | 10 years | 10 years |
| Median initial rate | 10.50% | 10.50% | 10.25% |
| Share to startups | 21.5% | 26.5% | 33.6% |
| Charge-off rate, FY2010-19 | 5.1% | 5.0% | 7.1% |
| Jobs supported | 1,312 | 27,798 | 2,142,602 |
Which lenders actually funded them
Ranked by loans approved to businesses in Jackson County. The median, startup share and rate columns describe each lender's own loans in this county, not its national averages.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| Columbia Bank | 42 | $50,000 | 10% | 12.50% |
| U.S. Bank | 38 | $25,000 | 40% | 10.37% |
| Banner Bank | 23 | $55,000 | 17% | 9.50% |
| Newtek Bank | 13 | $180,000 | 8% | 11.00% |
| KeyBank | 8 | $387,300 | 25% | 10.25% |
| Wells Fargo Bank | 7 | $200,000 | 71% | 8.75% |
| Peoples Bank of Commerce | 7 | $289,000 | 29% | 11.50% |
| The Huntington National Bank | 5 | $115,000 | 40% | 10.25% |
| First Interstate Bank | 5 | $249,500 | 20% | 9.00% |
| Northeast Bank | 5 | $80,000 | 0% | 10.75% |
What stands out here
Reading these figures against the national picture:
- Loans here run smaller than average. The median of $60,000 is 60% below the $150,000 national median. Smaller loans price higher under the SBA spread caps, so budget for a rate above the headline range.
- This is a hard market for new businesses. Only 22% of these loans went to startups, against 34% nationally. If you are pre-revenue, work from the startup table below rather than the main list.
- No single lender dominates, but the top three made 50% of these loans, so the shortlist below covers most of the active market.
- This market has performed well. Its FY2010-2019 charge-off rate of 5.1% is below the 7.1% overall figure, which is part of why lenders compete for it.
Who borrows in Jackson County
The mix of industries taking SBA loans here, led by construction.
| Sector | Loans | Share |
|---|---|---|
| Construction | 38 | 18.5% |
| Restaurants and Hotels | 25 | 12.2% |
| Retail | 23 | 11.2% |
| Healthcare | 21 | 10.2% |
| Manufacturing | 21 | 10.2% |
| Personal Services | 17 | 8.3% |
| Admin Services | 16 | 7.8% |
| Professional Services | 13 | 6.3% |
How to use this
- Shortlist three lenders from the table whose median loan in this county is close to what you need. Size match matters more than brand.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year — see choosing an SBA lender.
- Check your coverage first with the affordability calculator, so you ask for a number your cash flow supports.
- Follow your sector link in the table above for lender data specific to your industry across Oregon.
Other counties in Oregon
- Nearby markets with published data: Multnomah County, Washington County, Clackamas County, Lane County, Marion County, Deschutes County