SBA lending by metro area
SBA lenders in Vernal, UT
Which lenders fund Vernal-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 Vernal area
Ranked by SBA volume funded to businesses located in the Vernal micropolitan 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 | Zions Bank, A Division of | 142 | $39.4M | $277K | 5.63% |
| 2 | Mountain West Small Business Finance | 33 | $18.1M | $550K | not reported |
| 3 | Mountain America FCU | 109 | $8.4M | $77K | 1.83% |
| 4 | Cache Valley Bank | 5 | $6.8M | $1.4M | not reported |
| 5 | Intermountain Business Lending, Inc. | 13 | $6.3M | $487K | not reported |
| 6 | America First FCU | 7 | $6.3M | $898K | not reported |
| 7 | Grand Valley Bank | 18 | $3.5M | $197K | not reported |
| 8 | Wells Fargo Bank National Association | 8 | $2.9M | $364K | not reported |
| 9 | Celtic Bank Corporation | 5 | $2.5M | $496K | not reported |
| 10 | U.S. Bank, National Association | 5 | $450K | $90K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Vernal compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Vernal area | $140K ▼ 25.0% | 12.7% ▼ 6.2 pts |
| Utah | $187K | 18.9% |
| United States | $179K | 11.2% |
What gets funded in Vernal
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 28 | $29.3M |
| Health Care and Social Assistance | 27 | $21.3M |
| Manufacturing | 26 | $11.8M |
| Retail Trade | 32 | $11.7M |
| Mining and Extraction | 63 | $10.4M |
| Real Estate | 25 | $10.3M |
| Transportation and Warehousing | 48 | $9.6M |
| Professional and Technical Services | 16 | $7.5M |
SBA lending in Vernal by year
Geography, precisely
"Vernal area" here means the Vernal, UT micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Uintah 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.