Ukiah: what the record shows

The Ukiah micro area logged 121 approved loans and $101.6 million in FY2017 to FY2026. 429 of 928 is the Ukiah place when areas are ordered by loans. Ukiah loans center on $391,000, the median. For Ukiah, the middle half lies at $134,000 to $1.0 million. The Ukiah median sits at 1.88x nationally. In Ukiah, 87 loans were 7(a) and 34 were 504. 10.7% of the loans in Ukiah carry a franchise brand. $101.6 million is the Ukiah dollar total.

Ukiah: asset mix and geography

Ukiah leaders: hotel and motel (15), then gas station and truck stop (12), then full-service restaurant (9). 69 loans in Ukiah fit no class, so Ukiah class patterns say less. Ukiah consists of Mendocino County, CA, where SBA places 121 loans.

Ukiah: lenders in the record

Holders in Ukiah may not be the makers. Ukiah lists, for 7(a), Columbia Bank (OR) (7 loans, $2.4 million) and Readycap Lending, LLC (6 loans, $3.8 million). Among Ukiah 504 holders: 13 loans at Capital Access Group, Inc. ($6.6 million) and 5 loans at Bay Area Employment Development Company ($5.8 million). A Ukiah borrower reads these rows as context. No Ukiah row states a holder's terms.

Ukiah: what the floors can say

Of Ukiah approvals from FY2017 to FY2024, 8.4% were cancelled, a floor. Ukiah withholds a ceiling: Ukiah loans are too few. No Ukiah charge-off rate prints. The Ukiah cohort is below the minimum. Read Ukiah as neither zero nor clean. Treat Ukiah rates as floors. Later events lift them, Ukiah included. Ukiah loans are placed by county name. For Ukiah, the July 2023 list governs. Ukiah omits loans with no county match. Ukiah totals hold untracked-class loans too.

Ukiah: testing a project

Ukiah volume ranged from 8 loans in FY2024 to 16 in FY2021, the latter for $20.3 million. The first year, FY2017, shows 13 loans and $9.7 million for Ukiah. FY2026 closes the Ukiah series at 10 loans, $12.9 million. A Ukiah study weighs local demand against Mendocino County, CA competitors, not national patterns. The Ukiah budget is priced against a $391,000 median. Ukiah sits at 1.88x nationally; site, build and equipment all count. Ukiah coverage cannot assume smooth sailing. Ukiah floors say why. Ukiah appraisal evidence comes from area sales. Ukiah income evidence sits beside it. Absorption near Mendocino County, CA is tested for Ukiah on a slow case. Beside Mendocino County, CA findings, the Ukiah study lists what it could not test.

SBA loans in the Ukiah, CA Micro Area

Loans approved, FY2017 to FY2026	121
Gross dollars approved	$101.6 million
Median loan	$391,000
Middle half of loans, from	$134,000
Middle half of loans, to	$1.0 million
SBA 7(a) loans	87
SBA 504 loans	34
Franchise share of loans	10.7%
Rank among metro and micro areas by loans	429 of 928
Median loan against the national median	1.88x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	8.4%
The same, counting loans still undisbursed as cancelled (a ceiling)	withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	withheld

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.

SBA loans approved in the Ukiah, CA Micro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	13	$9.7 million
FY2018	14	$12.9 million
FY2019	10	$5.1 million
FY2020	9	$7.5 million
FY2021	16	$20.3 million
FY2022	10	$19.3 million
FY2023	15	$9.2 million
FY2024	8	$778,000
FY2025	16	$3.9 million
FY2026	10	$12.9 million

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	69
Hotel and motel	15
Gas station and truck stop	12
Full-service restaurant	9

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Most active SBA lenders

SBA 504: lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Capital Access Group, Inc.	13	$6.6 million
Bay Area Employment Development Company	5	$5.8 million

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Wells Fargo Bank National Association	8	$10.4 million
Columbia Bank (OR)	7	$2.4 million
Readycap Lending, LLC	6	$3.8 million
Summit State Bank	5	$9.9 million
Live Oak Banking Company	5	$6.4 million

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Where the loans are, by county

County	Loans
Mendocino County, CA	121

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.

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; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MT-46380.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Ukiah, CA Micro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Feasibility Study Data for the Ukiah, CA Micro Area