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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 30% of its approvals with a recorded business age went to startups or businesses two years old or less, against 27% 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
Franchise brands Zions Bank, A Division of financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| The UPS Store | 14 | $3.8M | |
| Subway | 14 | $2.9M | |
| Ace Hardware | 13 | $6.9M | |
| Firehouse Subs | 10 | $2.8M | |
| Great Harvest Bread Co. | 9 | $1.5M | |
| Big O Tires | 9 | $7.9M | |
| Anytime Fitness | 8 | $1.6M | |
| Fedex Ground | 8 | $1.2M |
Brands with the most Zions Bank, A Division of SBA loans, among brands with at least 10 loans in the file. Compare lenders across all franchise lending on SBA lenders for franchises.
Zions Bank, A Division of made 5,034 of these loans under the SBA Express programme, median $50,000. Compare SBA Express lenders.
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.
A different SBA 7(a) lender
SmartBiz is a separate company from Zions Bank, A Division of. An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
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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