SBA by industry · WA
SBA lenders for construction trades in Washington
72 lenders made 846 SBA loans to construction trades in Washington in the 36 months ending September 30, 2026. Columbia Bank made the most, with 156. The typical loan was about $100K.
- Evidence
- SBA 7(a) and 504 loans to construction trades in Washington, NAICS 23
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 72
- SBA FOIA,
- SBA loans, 36 months
- 846
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $271M
- SBA FOIA,
- Last 12 months
- 249
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for construction trades in Washington, https://lender.report/sba-lenders-for/construction-trades/washington/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| Columbia Bank SBA 7(a) record | Bank | Roseburg, OR | 156 | $13.1M | 153 | 3 | 47 |
| Banner Bank SBA 7(a) record | Bank | Walla Walla, WA | 100 | $22.4M | 99 | 1 | 23 |
| U.S. Bank National Association SBA 7(a) record | Bank | Cincinnati, OH | 100 | $17.7M | 100 | 0 | 27 |
| Washington Trust Bank SBA 7(a) record | Bank | Spokane, WA | 35 | $28.0M | 33 | 2 | 4 |
| JPMorgan Chase Bank, National Association SBA 7(a) record | Bank | Columbus, OH | 32 | $6.65M | 31 | 1 | 3 |
| Sound Credit Union SBA 7(a) record | Credit union | Tacoma, WA | 31 | $5.55M | 31 | 0 | 10 |
| RiverBank SBA 7(a) record | Bank | Spokane, WA | 29 | $9.91M | 29 | 0 | 22 |
| KeyBank National Association SBA 7(a) record | Bank | Cleveland, OH | 28 | $4.56M | 28 | 0 | 5 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 27 | $5.02M | 27 | 0 | 6 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 26 | $3.71M | 26 | 0 | 0 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 25 | $13.6M | 25 | 0 | 12 |
| WaFd Bank SBA 7(a) record | Bank | Seattle, WA | 20 | $4.04M | 19 | 1 | 15 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 17 | $5.12M | 17 | 0 | 2 |
| GESA Credit Union SBA 7(a) record | Credit union | Richland, WA | 15 | $8.43M | 15 | 0 | 8 |
| Wells Fargo Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 14 | $4.21M | 14 | 0 | 0 |
| United Midwest Savings Bank, National Association SBA 7(a) record | Bank | Degraff, OH | 13 | $2.69M | 13 | 0 | 4 |
| Peoples Bank SBA 7(a) record | Bank | Bellingham, WA | 12 | $9.39M | 9 | 3 | 4 |
| Lendistry SBLC, LLC SBA 7(a) record | Non-bank | Los Angeles, CA | 10 | $3.42M | 10 | 0 | 4 |
| Harborstone Credit Union SBA 7(a) record | Credit union | Tacoma, WA | 9 | $6.22M | 8 | 1 | 2 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 9 | $3.05M | 9 | 0 | 2 |
| SmartBiz Bank, National Association SBA 7(a) record | Bank | Northbrook, IL | 9 | $2.13M | 9 | 0 | 8 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 9 | $2.08M | 9 | 0 | 4 |
| Numerica Credit Union SBA 7(a) record | Credit union | Spokane Valley, WA | 9 | $1.45M | 9 | 0 | 1 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 8 | $5.69M | 8 | 0 | 1 |
| Hapo Community Credit Union SBA 7(a) record | Credit union | Richland, WA | 8 | $815K | 8 | 0 | 0 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Residential Remodelers | 168 |
| Plumbing, Heating, and Air-Conditioning Contractors | 109 |
| All Other Specialty Trade Contractors | 90 |
| Electrical Contractors and Other Wiring Installation Contractors | 81 |
| New Single-Family Housing Construction (except For-Sale Builders) | 54 |
| Site Preparation Contractors | 54 |
| Painting and Wall Covering Contractors | 36 |
| Commercial and Institutional Building Construction | 34 |
| Poured Concrete Foundation and Structure Contractors | 32 |
| Roofing Contractors | 29 |
| Loan size | Loans |
|---|---|
| Under $150K | 480 |
| $150K to $350K | 169 |
| $350K to $1M | 125 |
| $1M to $2.5M | 54 |
| $2.5M or more | 18 |
- SBA lenders recorded 846 loans to construction trades totaling $271M in Washington in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $100K, with the middle half between $50K and $300K. SBA FOIA,
- 826 were SBA 7(a) loans and 20 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.75% on 826 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 728 of the loans, credit unions 78, and non-banks 39. SBA FOIA,
- The five most active lenders made 50.0% of the loans. SBA FOIA,
- The three most active lenders were Columbia Bank with 156, Banner Bank with 100, and U.S. Bank National Association with 100. SBA FOIA,
- 480 of the loans were under $150K, and 72 were $1M or more. SBA FOIA,
- 1 of these loans was made by lenders that have since merged or closed, that the file lists under a name with no lender record here, or that the loan tape shows only at a broader industry level. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 249 approvals of these loans dated in the 12 months to September 30, 2026, versus 317 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 18 of the 72 lenders are based in Washington. The rest are based elsewhere, most often in California, Ohio and Florida. SBA FOIA,
- The most common detailed industry in Washington was Residential Remodelers, with 168 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to construction trades in Washington
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in Washington, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 23.
- Order
- Largest first by loans in the state, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.