Northwest Bank (ID): SBA Lending Record
What SBA's own loan files show about Northwest Bank (ID) as an SBA lender, and how a lender's record bears on a feasibility study.
Size of the SBA record at Northwest Bank (ID)
SBA files 409 loans approved in FY2017 to FY2026 under Northwest Bank (ID) as holder. At Northwest Bank (ID), dollar volume stands at $302.4 million gross, over 409 loans. Northwest Bank (ID) figures are holder-based: SBA's file, 409 loans, held now or before. Northwest Bank (ID) is not the guarantor. SBA tags 409 as 7(a), none 504, under Northwest Bank (ID). Northwest Bank (ID) holder status: assigned now or last.
300 of 409 loans, held by Northwest Bank (ID), sit in no listed asset class. At Northwest Bank (ID), rows by class cover the remainder. For Northwest Bank (ID), full-service restaurant leads the class rows, 27 loans. After that, limited-service restaurant at 20, child care center (16) and 8 loans in rehabilitation and therapy clinic. Further down Northwest Bank (ID): 5 in gas station and truck stop and fitness center with 5 loans. Northwest Bank (ID) table: classes beyond these appear there.
Northwest Bank (ID) loans sit in Washington (170), 106 in Idaho, Utah (63) and 60 in Oregon, per SBA. Elsewhere, Northwest Bank (ID) shows a project no nearby loans.
At Northwest Bank (ID): cancellations and charge-offs
13.1%: the floor on cancellations, among Northwest Bank (ID) approvals from FY2017 to FY2024. 13.1% is the ceiling as well, so Northwest Bank (ID) undisbursed loans change nothing. Northwest Bank (ID): 3.8% is charged off, a floor, across 240 loans disbursed FY2017 to FY2021. Held back by Loan Analytics: Northwest Bank (ID) five-year figure. Northwest Bank (ID) outcomes show; reasons do not. Northwest Bank (ID) cohort rates cover FY2017 to FY2021 disbursements. Northwest Bank (ID): 13.1% is a floor, 409 loans notwithstanding, not a forecast. Northwest Bank (ID): every rate here is a floor, 409 loans or not; 13.1% included.
Northwest Bank (ID) in a study
Northwest Bank (ID), a bank or lender: 409 recorded loans lend context. Nothing in Northwest Bank (ID) rows states what Northwest Bank (ID) asks of an applicant. At Northwest Bank (ID), weigh Washington then full-service restaurant, 409 loans deep, against the project. Sources beside Northwest Bank (ID) should be listed in the study, 409 loans or not.
409 loans replace nothing in the study; $302.4 million gross at Northwest Bank (ID) informs it only. Full-service restaurant demand: 409 loans at Northwest Bank (ID) set none; Washington conditions decide, not Northwest Bank (ID). Test cost line by line, 409 loans set aside. 409 loans give Northwest Bank (ID) breadth, not depth. Northwest Bank (ID) coverage must clear 13.1% before anything else. Northwest Bank (ID): on stabilized income, debt service coverage keeps 13.1% in view. Collateral for Northwest Bank (ID) rests on the appraisal. Northwest Bank (ID): a study delivers a file, never approval.
SBA loans held by Northwest Bank (ID)
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 409 |
|---|---|
| Gross dollars approved | $302.4 million |
| SBA 7(a) loans | 409 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 13.1% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 13.1% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 3.8% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 240 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 300 |
| Full-service restaurant | 27 |
| Limited-service restaurant | 20 |
| Child care center | 16 |
| Rehabilitation and therapy clinic | 8 |
| Gas station and truck stop | 5 |
| Fitness center | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| Washington | 170 |
| Idaho | 106 |
| Utah | 63 |
| Oregon | 60 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-58752.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Northwest Bank (ID) or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
Request Scope & Timeline
Start with the data.
Contact Us