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 FY2026 | 5,528 |
|---|---|
| Gross dollars approved | $1.61 billion |
| SBA 7(a) loans | 5,528 |
| SBA 504 loans | 0 |
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 approval | 4.6% |
| Loans in that cohort | 1,993 |
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 class | Loans |
|---|---|
| Not in any of the 39 asset classes | 4,428 |
| Full-service restaurant | 162 |
| Coffee shop and snack bar | 121 |
| Fitness center | 109 |
| Automotive mechanical repair (car and truck) | 94 |
| Medical office (physicians) | 87 |
| Beauty salon | 87 |
| Limited-service restaurant | 84 |
| Dental office | 71 |
| Child care center | 41 |
| Rehabilitation and therapy clinic | 32 |
| Car wash | 27 |
| Beverage manufacturing (breweries, wineries, distilleries) | 21 |
| Grocery store | 19 |
| Veterinary clinic | 17 |
| Liquor store | 16 |
| Gas station and truck stop | 13 |
| Behavioral health and addiction treatment | 13 |
| Caterers (includes banquet halls with catering staff) | 13 |
| RV park and campground | 8 |
| Hotel and motel | 8 |
| Data center | 8 |
| Skilled nursing | 6 |
| School (elementary and secondary, including charter) | 6 |
| Assisted living (without nursing care) | 5 |
| Nonresidential lessor (flex, office and retail investor buildings) | 5 |
| Diagnostic imaging center | 5 |
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 area | Loans |
|---|---|
| Utah | 1,516 |
| Texas | 865 |
| California | 807 |
| Idaho | 784 |
| Arizona | 564 |
| Nevada | 537 |
| Colorado | 360 |
| New Mexico | 30 |
| Oregon | 19 |
| Washington | 16 |
| Wyoming | 12 |
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.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- Feasibility studies for SBA 7(a) and 504 loans
- Celtic Bank Corporation: SBA Lending Record
- Mountain West Small Business Finance: SBA Lending Record
- Mountain America FCU: SBA Lending Record
- America First Federal Credit Union: SBA Lending Record
- FinWise Bank: SBA Lending Record
- Happen Bank: SBA Lending Record
- Central Bank (UT): SBA Lending Record
- Intermountain Business Lending, Inc.: SBA Lending Record
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