Zions Bancorporation, National Association: SBA Lending Record

What SBA's own loan files show about Zions Bancorporation, National Association as an SBA lender, and how a lender's record bears on a feasibility study.

$1.61 billion in gross dollars and 5,528 approved loans make up the Zions Bancorporation, National Association entry for FY2017 to FY2026. The $1.61 billion for Zions Bancorporation, National Association counts approved dollars, not balances. 5,528 loans sit under SBA 7(a), every Zions Bancorporation, National Association loan here. Zions Bancorporation, National Association reads 0 under SBA 504. 5,528 loans are records SBA keeps on Zions Bancorporation, National Association. SBA, not Zions Bancorporation, National Association, carries each guarantee. Each of the 5,528 loans is assigned to Zions Bancorporation, National Association now, or last held by it. Zions Bancorporation, National Association reflects only SBA 7(a) rules. Here, Zions Bancorporation, National Association means the holder SBA names. Zions Bancorporation, National Association's 5,528 loans span FY2017 to FY2026 approvals.

Zions Bancorporation, National Association: classes and geography

For Zions Bancorporation, National Association, these classes lead: full-service restaurant, 162 loans; coffee shop and snack bar, 121 loans; fitness center, 109 loans. Another 4,428 loans credited to Zions Bancorporation, National Association fall outside all of those classes. Zions Bancorporation, National Association's 5,528 loans: a slice sits in named classes. Zions Bancorporation, National Association holds 162 in full-service restaurant. Zions Bancorporation, National Association loans lead, by state, in Utah, 1,516 loans; Texas, 865 loans; California, 807 loans. Zions Bancorporation, National Association's sample for Utah sites is 1,516 loans. Zions Bancorporation, National Association's counts are a map only.

Zions Bancorporation, National Association: cancellations and charge-offs

7.4% of Zions Bancorporation, National Association approvals, FY2017 to FY2024, were cancelled. For Zions Bancorporation, National Association, 7.4% is a floor. Zions Bancorporation, National Association's floor stops at FY2024 approvals. For Zions Bancorporation, National Association, 8.1% is the ceiling. The Zions Bancorporation, National Association ceiling counts undisbursed loans as cancelled. The Zions Bancorporation, National Association rate sits between 7.4% and 8.1%. Zions Bancorporation, National Association: the cohort runs FY2017 to FY2021. Zions Bancorporation, National Association's cohort holds 1,993 disbursed loans. 7.0% of Zions Bancorporation, National Association loans are charged off to date. For Zions Bancorporation, National Association, 7.0% is a floor. Zions Bancorporation, National Association: the two rates cover different loans. Zions Bancorporation, National Association: 4.6% charged off within 5 years.

Zions Bancorporation, National Association: testing a project

Zions Bancorporation, National Association holds 5,528 recorded loans, $1.61 billion in all. At Zions Bancorporation, National Association, demand comes first: who pays? For Zions Bancorporation, National Association, cost is second; 5,528 loans do not replace a quote. For Zions Bancorporation, National Association, third is debt service coverage. Zions Bancorporation, National Association: 7.0% and 7.4% are floors. At Zions Bancorporation, National Association, the appraisal comes last: 5,528 loans cannot set your value. Zions Bancorporation, National Association's record cannot settle cost. Here Zions Bancorporation, National Association is a holder, not a verdict. Zions Bancorporation, National Association's 5,528 loans state nothing about its requirements. Ask Zions Bancorporation, National Association directly. Test first, then compare with Zions Bancorporation, National Association's 5,528 loans. Ask Zions Bancorporation, National Association what a complete study contains.

SBA loans held by Zions Bancorporation, National Association

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 FY20265,528
Gross dollars approved$1.61 billion
SBA 7(a) loans5,528
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)7.4%
The same, counting loans still undisbursed as cancelled (a ceiling)8.1%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)7.0%
Charged off within five years of approval4.6%
Loans in that cohort1,993

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 classLoans
Not in any of the 39 asset classes4,428
Full-service restaurant162
Coffee shop and snack bar121
Fitness center109
Automotive mechanical repair (car and truck)94
Medical office (physicians)87
Beauty salon87
Limited-service restaurant84
Dental office71
Child care center41
Rehabilitation and therapy clinic32
Car wash27
Beverage manufacturing (breweries, wineries, distilleries)21
Grocery store19
Veterinary clinic17
Liquor store16
Gas station and truck stop13
Behavioral health and addiction treatment13
Caterers (includes banquet halls with catering staff)13
RV park and campground8
Hotel and motel8
Data center8
Skilled nursing6
School (elementary and secondary, including charter)6
Assisted living (without nursing care)5
Nonresidential lessor (flex, office and retail investor buildings)5
Diagnostic imaging center5

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 areaLoans
Utah1,516
Texas865
California807
Idaho784
Arizona564
Nevada537
Colorado360
New Mexico30
Oregon19
Washington16
Wyoming12

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-2270.

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 Zions Bancorporation, National Association or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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