Zions Bank, A Division of
Headquartered in SALT LAKE CITY, UT. Analysis based on 3,092 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $975.2M.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Zions Bank, A Division of ranks #45 by charge-off rate (2.07%).
Total 7(a) loans
3,092
Total approved
$975.2M
Average loan
$315K
States funded in
16
Charge-off rate
2.07%
FY2020–FY2023 cohort
Paid-in-full rate
25.90%
Average rate
9.34%
Average term
133 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 83 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 70 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 70 |
| 713940 | Fitness and Recreational Sports Centers | 60 |
| 236118 | Residential Remodelers | 55 |
| 722513 | Limited-Service Restaurants | 54 |
| 561730 | Landscaping Services | 49 |
| 484110 | General Freight Trucking, Local | 48 |
| 238210 | Electrical Contractors | 48 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 45 |
Top 10 states
| State | Loans |
|---|---|
| UT | 813 |
| TX | 510 |
| CA | 462 |
| ID | 425 |
| NV | 308 |
| AZ | 298 |
| CO | 230 |
| NM | 17 |
| OR | 11 |
| WY | 9 |
Top franchise brands financed
232 franchise loans across 157 distinct brands.
| Franchise | Loans |
|---|---|
| The UPS Store (f/k/a Mail Box | 6 |
| Rush Bowls | 5 |
| Sylvan Learning Centers | 5 |
| Ace Hardware | 5 |
| Pirtek | 4 |
| Firehouse Subs | 4 |
| Crumbl | 4 |
| Valvoline Instant Oil Change | 4 |
| Big O Tires | 3 |
| Miracle Method Surface Refinis | 3 |
Get matched with SBA lenders — free
Tell us a bit about your funding need. We'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.