SBA lender · 7(a) program
Zions Bank, A Division of
Zions Bank, A Division of has approved 10,522 SBA loans worth $2.55B since FY2010 - the #47 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#47
0.50% of all SBA dollars
Total approved
$2.55B
FY2010 onward
Loans
10,522
Median loan
$100,000
-44% vs national
Median rate
7.50%
+0.75 pts vs national
Charge-off rate
6.5%
5,797 resolved FY10-19 loans
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What Zions Bank, A Division of’s numbers say
Zions Bank, A Division of sits solidly inside the SBA lending field, having approved 10,522 loans for a gross total of $2.55B since fiscal 2010. Its median loan of $100,000 is well below the $180,000 national median, typical of a lender leaning on SBA Express and smaller working-capital facilities.
The median initial note rate across its 7(a) approvals is 7.50%, 0.75 points above the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Of its FY2010-FY2019 approvals that have reached a terminal status, 6.5% were charged off, 1.0 points below the national figure of 7.6%. Read that as a description of the credit box a lender chose, not as a verdict on it: lenders serving newer businesses and thinner files will always show higher losses than those writing large, collateralised acquisition loans.
Roughly 11% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally.
Where Zions Bank, A Division of lends
| State | Loans | Share |
|---|---|---|
| Utah | 4,105 | |
| Idaho | 1,508 | |
| California | 1,485 | |
| Texas | 1,263 | |
| Nevada | 750 | |
| Arizona | 734 | |
| Colorado | 497 | |
| Washington | 55 |
What it lends against
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Questions about Zions Bank, A Division of
- How many SBA loans has Zions Bank, A Division of approved?
- Zions Bank, A Division of has approved 10,522 SBA loans totalling $2,546,925,500 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #47 among all SBA lenders by dollars approved.
- What is the typical Zions Bank, A Division of SBA loan size?
- The median gross approval is $100,000, with the middle 80% of loans falling between $20,000 and $551,000. The national median across all SBA lenders is $180,000.
- What interest rate does Zions Bank, A Division of charge on SBA 7(a) loans?
- The median initial note rate on Zions Bank, A Division of's 7(a) approvals is 7.50%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
- What is Zions Bank, A Division of's SBA loan charge-off rate?
- 6.5% of its FY2010-FY2019 approvals that have reached a terminal status were charged off, against a national figure of 7.6%. A charge-off rate reflects the borrowers a lender chose to underwrite as much as anything else, and is not a measure of service quality.
Where to go from here
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