Best SBA lenders
Best SBA lenders in Idaho
The most active SBA lenders in Idaho, ranked from every 7(a) and 504 loan in the SBA's public record, FY2010-2026. Zions Bank, A Division of leads with 1,474 loans funded.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026, as of 2026-03-31
Top SBA lenders in Idaho
The full Idaho ranking, by SBA loans funded since FY2010. Every figure is in-state: each lender's loans, dollars, average loan size, and 7(a) charge-off rate cover its Idaho lending only, not its national book. A charge-off rate appears only when a lender has at least 20 funded 7(a) loans in Idaho; below that line, and on 504-only lending, it reads “not reported,” never 0%.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Zions Bank, A Division of | 1,474 | $226.0M | $153K | 2.44% |
| 2 | Glacier Bank | 1,109 | $334.9M | $302K | 1.44% |
| 3 | Capital Matrix, Inc. | 763 | $447.7M | $587K | not reported |
| 4 | U.S. Bank, National Association | 713 | $85.7M | $120K | 1.82% |
| 5 | D. L. Evans Bank | 583 | $69.4M | $119K | 0.51% |
| 6 | Wells Fargo Bank National Association | 525 | $129.3M | $246K | 4.00% |
| 7 | Columbia Bank | 490 | $147.1M | $300K | 1.02% |
| 8 | Idaho Central CU | 381 | $200.9M | $527K | 0.26% |
| 9 | Washington Trust Bank | 336 | $144.2M | $429K | 1.19% |
| 10 | Banner Bank | 286 | $58.5M | $204K | 2.45% |
| 11 | First Interstate Bank | 261 | $86.6M | $332K | 1.53% |
| 12 | East-Central Idaho Development Company | 243 | $142.4M | $586K | not reported |
| 13 | KeyBank National Association | 228 | $53.3M | $234K | 2.63% |
| 14 | Mountain America FCU | 214 | $76.3M | $356K | 0.47% |
| 15 | Region IV Development Corporation | 209 | $113.1M | $541K | not reported |
| 16 | Live Oak Banking Company | 129 | $165.4M | $1.3M | 1.55% |
| 17 | The Bank of Commerce | 123 | $27.3M | $222K | 0.81% |
| 18 | Eastern Idaho Development Corporation | 120 | $61.2M | $510K | not reported |
| 19 | Northwest Bank | 110 | $55.0M | $500K | 4.55% |
| 20 | The Huntington National Bank | 105 | $32.6M | $311K | 0.95% |
| 21 | bankcda | 100 | $26.8M | $268K | 7.00% |
| 22 | Celtic Bank Corporation | 97 | $75.6M | $779K | 6.19% |
| 23 | Idaho First Bank | 96 | $24.8M | $258K | 2.08% |
| 24 | Montana Community Development Corp. | 94 | $13.6M | $145K | 2.13% |
| 25 | BMO Bank National Association | 71 | $38.5M | $543K | 1.41% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
7(a) banks vs 504 lenders (CDCs) in Idaho
The two SBA programs have different lenders. A 7(a) loan comes from one bank or credit union; a 504 project pairs a bank with a Certified Development Company (CDC), the nonprofit that funds the SBA-backed portion. The leaders in Idaho by each program's loans funded since FY2010:
- 1. Zions Bank, A Division of 1,474 loans
- 2. Glacier Bank 1,109 loans
- 3. U.S. Bank, National Association 713 loans
- 4. D. L. Evans Bank 583 loans
- 5. Wells Fargo Bank National Association 525 loans
- 1. Capital Matrix, Inc. 763 loans
- 2. East-Central Idaho Development Company 243 loans
- 3. Region IV Development Corporation 204 loans
- 4. Eastern Idaho Development Corporation 120 loans
- 5. Mountain West Small Business Finance 69 loans
Counts are each program's funded loans in Idaho. How the two programs differ: 504 vs 7(a), by the data.
Where SBA lending concentrates in Idaho
The 3 industries with the most SBA loans in Idaho since FY2010, and the most active lender in each. A lender that leads your industry locally can matter more than the overall #1.
| Industry | Loans | Total funded | Most active lender |
|---|---|---|---|
| Construction | 1,571 | $391.0M | U.S. Bank, National Association (251 loans) |
| Health Care and Social Assistance | 1,362 | $568.7M | Capital Matrix, Inc. (183 loans) |
| Retail Trade | 1,228 | $492.4M | Zions Bank, A Division of (153 loans) |
Full industry, city, and yearly breakdowns: SBA lending in Idaho.
How this ranking works
- “Most active” means loans funded. The ranking counts every SBA 7(a) and 504 loan funded to Idaho businesses in the SBA's public FOIA record, FY2010–2026, as of 2026-03-31. No lender pays to appear or to rank, and activity is not a fit score: the right lender for you depends on your industry, loan size, and timeline.
- The 10-loan line. A lender enters the Idaho table only with at least 10 loans funded in-state, so one-off activity never reads as a track record. Industry cells above are held to at least 30 loans.
- Charge-off is 7(a)-only and needs 20+ loans. The SBA reports charge-offs on 7(a) loans, never on 504 loans. We show an in-state rate only when a lender has at least 20 funded 7(a) loans in Idaho; anything thinner reads “not reported,” never 0%. It is a charge-off share of funded loans to date, not a lifetime default rate.
- Name collisions are excluded, and counted. The SBA does not normalize lender names across mergers and rebrands, so one name can blend several unrelated institutions. Flagged names are never ranked on this page; each exclusion is disclosed under the table.
The exact calculations and limits: methodology.
Best SBA lenders in Idaho: frequently asked questions
Who is the most active SBA lender in Idaho?
Zions Bank, A Division of is the most active SBA lender in Idaho in the public record, with 1,474 7(a) and 504 loans funded since FY2010 ($226.0M in Idaho). The ranking counts loans funded, never who pays us.
Do these lenders only serve Idaho?
No. The ranking measures activity in Idaho: loans funded to Idaho businesses in the SBA's record. Many of these lenders are national or multi-state institutions; the loans, dollars, and charge-off figures shown are their Idaho lending only.
What's the difference between a 7(a) lender and a CDC?
A 7(a) lender is a bank or credit union that funds an SBA-guaranteed loan directly. A Certified Development Company (CDC) is a nonprofit that funds the SBA-backed portion of a 504 project alongside a bank. Charge-off is reported only on 7(a) loans, so a 504-only CDC shows "not reported," never 0%.
How many SBA lenders are active in Idaho?
53 lenders have funded at least 10 SBA loans in Idaho since FY2010 in the public record (as of 2026-03-31). The table above names the 25 most active of them; names that blend several same-named institutions are excluded from rankings.
Mario Bailey. (2026). Best SBA lenders in Idaho. SBA Loan Index. https://sbaloanindex.com/best-sba-lenders/in/id/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
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