SBA lending by state
SBA Lending in Arizona
In Arizona, SBA lenders funded 20,779 7(a) and 504 loans since FY2010, totaling $11.7B, an average of $562K per loan. The most active lender is Wells Fargo Bank National Association, and the most-funded industry is Accommodation and Food Services.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
Top SBA lenders in Arizona
Ranked by SBA loans funded in Arizona since FY2010. Each lender's figures, including its 7(a) charge-off rate, cover its Arizona loans only. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in Arizona shows “not reported,” never 0%.
See the full Arizona ranking : up to 25 lenders, with the 7(a) vs 504 leaders and industry context.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | 2,512 | $935.6M | $372K | 4.38% |
| 2 | JPMorgan Chase Bank, National Association | 2,089 | $519.5M | $249K | 3.59% |
| 3 | Arizona Capital Source | 1,259 | $765.6M | $608K | 3.94% |
| 4 | PNC Bank, National Association | 1,197 | $272.4M | $228K | 6.77% |
| 5 | U.S. Bank, National Association | 1,046 | $286.4M | $274K | 4.02% |
| 6 | CDC Small Business Finance Corp. | 773 | $566.8M | $733K | 12.23% |
| 7 | Zions Bank, A Division of | 704 | $213.5M | $303K | 2.84% |
| 8 | Arizona Financial Credit Union | 564 | $417.7M | $741K | 3.37% |
| 9 | Mortgage Capital Development Corporation | 560 | $681.6M | $1.2M | not reported |
| 10 | Celtic Bank Corporation | 458 | $303.1M | $662K | 6.33% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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504 lenders (CDCs) in Arizona
An SBA 504 project in Arizona pairs two lenders: a bank or credit union funds roughly half the cost as a first mortgage, and a Certified Development Company (CDC) funds about 40% through an SBA-backed debenture, with the borrower putting down around 10%. Below are the CDCs most active on 504 loans in Arizona, ranked by 504 loans funded in the state since FY2010. Figures are 504-only; charge-off is reported on 7(a) loans only and does not apply to CDCs.
| CDC | 504 loans | 504 volume |
|---|---|---|
| Arizona Capital Source | 1,005 | $723.6M |
| CDC Small Business Finance Corp. | 634 | $544.3M |
| Mortgage Capital Development Corporation | 551 | $679.9M |
| California Statewide Certified Development Corporation | 60 | $47.2M |
| Preferred Lending Partners | 8 | $5.9M |
| Nevada State Development Corporation | 7 | $2.5M |
| AMPAC Tri-State CDC, Inc. | 6 | $5.9M |
| Central Minnesota Development Company | 3 | $5.0M |
| Enchantment Land Certified Development Company | 2 | $4.5M |
| B:Side Capital | 2 | $874K |
Showing the 10 CDCs most active on 504 loans in Arizona; the full directory lists every CDC.
All Certified Development Companies · Current 504 loan rates · How 504 loans work
Top industries funded in Arizona
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 2,312 | $2.0B |
| Health Care and Social Assistance | 2,911 | $1.7B |
| Retail Trade | 2,275 | $1.3B |
| Manufacturing | 1,470 | $994.2M |
| Other Services | 2,045 | $987.7M |
| Construction | 2,342 | $983.3M |
| Professional and Technical Services | 2,316 | $967.4M |
| Wholesale Trade | 908 | $586.8M |
Top cities for SBA loans in Arizona
Where SBA 7(a) and 504 borrowers in Arizona are located, by funded volume.
| City | Loans | Total volume |
|---|---|---|
| Phoenix | 4,811 | $2.9B |
| Scottsdale | 1,962 | $1.1B |
| Tucson | 2,127 | $1.0B |
| Mesa | 1,781 | $946.2M |
| Tempe | 1,067 | $661.1M |
| Chandler | 1,059 | $590.3M |
| Gilbert | 1,114 | $561.0M |
| Glendale | 717 | $342.8M |
SBA lending by metro area in Arizona
Which lenders fund each Arizona market, with local loan sizes and industries.
- SBA lenders in Phoenix, AZ 15,477 loans
- SBA lenders in Tucson, AZ 2,378 loans
- SBA lenders in Prescott Valley, AZ 778 loans
- SBA lenders in Lake Havasu City, AZ 621 loans
- SBA lenders in Flagstaff, AZ 478 loans
- SBA lenders in Sierra Vista, AZ 253 loans
- SBA lenders in Show Low, AZ 203 loans
- SBA lenders in Yuma, AZ 250 loans
- SBA lenders in Payson, AZ 105 loans
- SBA lenders in Nogales, AZ 102 loans
- SBA lenders in Safford, AZ 44 loans
SBA lending in Arizona by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 1,095 | $362.1M |
| 2011 | 1,305 | $537.1M |
| 2012 | 1,066 | $476.1M |
| 2013 | 1,006 | $476.9M |
| 2014 | 1,104 | $516.9M |
| 2015 | 1,363 | $647.6M |
| 2016 | 1,391 | $680.3M |
| 2017 | 1,360 | $733.2M |
| 2018 | 1,244 | $668.9M |
| 2019 | 1,192 | $691.5M |
| 2020 | 1,023 | $662.6M |
| 2021 | 1,276 | $1.1B |
| 2022 | 1,064 | $820.8M |
| 2023 | 1,275 | $855.5M |
| 2024 | 1,533 | $912.8M |
| 2025 | 1,869 | $1.1B |
| 2026 | 613 | $414.7M |
SBA lending in Arizona: frequently asked questions
How much SBA lending is there in Arizona?
SBA lenders funded 20,779 7(a) and 504 loans totaling $11.7B in Arizona in the public SBA data (as of 2026-03-31), an average of $562K per loan.
Who is the most active SBA lender in Arizona?
Wells Fargo Bank National Association is the most active SBA lender in Arizona in the public data, by loans funded.
What industries get the most SBA loans in Arizona?
The most-funded industry for SBA loans in Arizona is Accommodation and Food Services.
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