SBA lending by metro area
SBA lenders in St. George, UT
Which lenders fund St. George-area businesses, how much, and how the market compares with Utah: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the St. George area
Ranked by SBA volume funded to businesses located in the St. George metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Mountain West Small Business Finance | 287 | $223.1M | $777K | not reported |
| 2 | Intermountain Business Lending, Inc. | 42 | $50.7M | $1.2M | not reported |
| 3 | Zions Bank, A Division of | 237 | $36.2M | $153K | 2.53% |
| 4 | State Bank of Southern Utah | 219 | $34.9M | $160K | 0.46% |
| 5 | Mountain America FCU | 145 | $33.0M | $228K | 1.38% |
| 6 | Community Banks of Colorado, A Division of NBH Bank | 37 | $29.1M | $788K | 0.00% |
| 7 | Celtic Bank Corporation | 36 | $28.2M | $782K | 2.78% |
| 8 | America First FCU | 27 | $26.0M | $961K | 0.00% |
| 9 | Cache Valley Bank | 64 | $23.5M | $368K | 3.12% |
| 10 | Wells Fargo Bank National Association | 51 | $18.6M | $365K | 3.92% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How St. George compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| St. George area | $160K ▼ 14.4% | 22.8% ▲ 3.9 pts |
| Utah | $187K | 18.9% |
| United States | $179K | 11.2% |
What gets funded in St. George
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 161 | $140.7M |
| Construction | 234 | $79.0M |
| Retail Trade | 168 | $69.1M |
| Health Care and Social Assistance | 149 | $68.1M |
| Manufacturing | 122 | $60.7M |
| Real Estate | 69 | $55.7M |
| Professional and Technical Services | 124 | $44.7M |
| Wholesale Trade | 85 | $40.0M |
SBA lending in St. George by year
Geography, precisely
"St. George area" here means the St. George, UT metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Washington County, UT. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.