GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
476
2010–2026
Total Volume
$314M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
476 total segments
Harborstone CU has a strong focus on existing businesses, with 43% of their deals going to this category. This makes them a solid choice if you're looking to acquire or expand an established business.
With an average 7(a) spread of P+2.38%, Harborstone CU offers competitive pricing compared to the national median of P+2.75%. This could save you money over the life of your loan.
Harborstone CU has shown a 12% year-over-year growth in SBA deals, indicating a healthy lending environment. This trend suggests they are actively seeking new borrowers, which may improve your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 61 504 loans, which use fixed SBA debenture rates.
States where Harborstone CU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
Other Health Practitioners
Health Care & Social Assistance
Real Estate
Real Estate
Auto Repair & Maintenance
Other Services
Personal Care (Salons, Spas)
Other Services
+ 7 more
All recorded SBA lending activity for Harborstone CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Washington · Restaurants & Food Service · $150K – $350K | 7(a) | 22 | P+2.50% | $264K | Q3 2025 |
| Washington · Manufacturing · Under $150K | 7(a) | 19 | P+2.75% | $106K | Q1 2025 |
| Washington · Restaurants & Food Service · $500K – $1M | 7(a) | 13 | P+2.50% | $676K | Q4 2025 |
| Washington · Manufacturing · $150K – $350K | 7(a) | 12 | P+2.63% | $242K | Q1 2025 |
| Washington · Restaurants & Food Service · Under $150K | 7(a) | 12 | P+2.75% | $88K | Q3 2025 |
| Washington · Specialty Trade Contractors · Under $150K | 7(a) | 10 | P+2.75% | $105K | Q3 2024 |
| Washington · Restaurants & Food Service · $350K – $500K | 7(a) | 9 | P+2.75% | $420K | Q1 2025 |
| Washington · Manufacturing · $2M – $5M | 7(a) | 7 | P+2.75% | $2.3M | Q2 2025 |
| Washington · Wholesale Trade · $150K – $350K | 7(a) | 6 | P+2.38% | $237K | Q3 2025 |
| Washington · Retail Trade · $150K – $350K | 7(a) | 5 | P+2.75% | $223K | Q1 2025 |
| Washington · Other Health Practitioners · Under $150K | 7(a) | 5 | P+2.75% | $56K | Q4 2024 |
| Washington · Administrative & Waste Services · Under $150K | 7(a) | 5 | P+2.75% | $62K | Q2 2024 |
| Washington · Specialty Trade Contractors · $500K – $1M | 7(a) | 5 | P+2.50% | $841K | Q4 2023 |
| Washington · Nursing & Residential Care · $500K – $1M | 7(a) | 5 | P+1.50% | $707K | Q3 2024 |
| Washington · Real Estate · $1M – $2M | 7(a) | 5 | P+1.75% | $1.5M | Q2 2022 |
| Washington · Wholesale Trade · $500K – $1M | 7(a) | 5 | P+2.25% | $827K | Q3 2024 |
| Washington · Arts, Entertainment & Recreation · Under $150K | 7(a) | 5 | P+2.75% | $113K | Q4 2025 |
| Washington · Miscellaneous Retail · Under $150K | 7(a) | 5 | P+3.25% | $85K | Q2 2025 |
| Washington · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 5 | P+2.75% | $231K | Q3 2025 |
| Washington · Hotels & Accommodation · $1M – $2M | 7(a) | 4 | P+2.00% | $1.5M | Q4 2024 |
| Washington · Auto Dealers & Parts · Under $150K | 7(a) | 4 | P+2.75% | $134K | Q3 2024 |
| Washington · Wholesale Trade · $1M – $2M | 7(a) | 4 | P+2.38% | $1.3M | Q3 2025 |
| Washington · Manufacturing · $350K – $500K | 7(a) | 4 | P+2.75% | $446K | Q3 2021 |
| Washington · Restaurants & Food Service · $1M – $2M | 7(a) | 4 | P+1.63% | $1.3M | Q3 2024 |
| Washington · Auto Repair & Maintenance · $150K – $350K | 7(a) | 4 | P+2.63% | $275K | Q1 2019 |
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