SBA by industry · UT
SBA lenders for construction trades in Utah
60 lenders made 529 SBA loans to construction trades in Utah in the 36 months ending September 30, 2026. Zions Bancorporation, N.A. made the most, with 96. The typical loan was about $190K.
- Evidence
- SBA 7(a) and 504 loans to construction trades in Utah, NAICS 23
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 60
- SBA FOIA,
- SBA loans, 36 months
- 529
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $306M
- SBA FOIA,
- Last 12 months
- 186
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for construction trades in Utah, https://lender.report/sba-lenders-for/construction-trades/utah/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| Zions Bancorporation, N.A. SBA 7(a) record | Bank | Salt Lake City, UT | 96 | $22.3M | 90 | 6 | 34 |
| Mountain America Credit Union SBA 7(a) record | Credit union | Sandy, UT | 75 | $47.7M | 64 | 11 | 14 |
| U.S. Bank National Association SBA 7(a) record | Bank | Cincinnati, OH | 51 | $5.69M | 50 | 1 | 20 |
| Central Bank SBA 7(a) record | Bank | Provo, UT | 26 | $8.46M | 24 | 2 | 12 |
| Cache Valley Bank SBA 7(a) record | Bank | Logan, UT | 20 | $8.24M | 15 | 5 | 1 |
| United Midwest Savings Bank, National Association SBA 7(a) record | Bank | Degraff, OH | 15 | $3.46M | 15 | 0 | 6 |
| NBH Bank SBA 7(a) record | Bank | Greenwood Village, CO | 14 | $15.3M | 10 | 4 | 4 |
| America First Credit Union SBA 7(a) record | Credit union | Riverdale, UT | 13 | $13.9M | 9 | 4 | 8 |
| Wells Fargo Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 13 | $2.32M | 13 | 0 | 0 |
| JPMorgan Chase Bank, National Association SBA 7(a) record | Bank | Columbus, OH | 12 | $3.40M | 12 | 0 | 1 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 11 | $2.92M | 11 | 0 | 2 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 10 | $3.19M | 10 | 0 | 4 |
| First Utah Bank SBA 7(a) record | Bank | Salt Lake City, UT | 9 | $14.3M | 8 | 1 | 2 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 9 | $3.64M | 9 | 0 | 6 |
| KeyBank National Association SBA 7(a) record | Bank | Cleveland, OH | 9 | $3.04M | 8 | 1 | 2 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 9 | $1.28M | 9 | 0 | 0 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 8 | $11.8M | 8 | 0 | 2 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 8 | $6.52M | 8 | 0 | 2 |
| First Internet Bank of Indiana SBA 7(a) record | Bank | Fishers, IN | 7 | $10.3M | 7 | 0 | 0 |
| UMB Bank, National Association SBA 7(a) record | Bank | Kansas City, MO | 7 | $6.81M | 7 | 0 | 1 |
| First Bank of the Lake SBA 7(a) record | Bank | Osage Beach, MO | 7 | $4.78M | 7 | 0 | 3 |
| Canyon View Credit Union SBA 7(a) record | Credit union | Salt Lake City, UT | 7 | $1.37M | 7 | 0 | 2 |
| Glacier Bank SBA 504 record | Bank | Kalispell, MT | 6 | $6.02M | 0 | 6 | 3 |
| Quill Bank SBA 7(a) record | Bank | Provo, UT | 6 | $5.45M | 6 | 0 | 3 |
| State Bank of Southern Utah SBA 7(a) record | Bank | Cedar City, UT | 6 | $5.25M | 4 | 2 | 3 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| All Other Specialty Trade Contractors | 72 |
| Plumbing, Heating, and Air-Conditioning Contractors | 66 |
| Residential Remodelers | 56 |
| Electrical Contractors and Other Wiring Installation Contractors | 47 |
| New Single-Family Housing Construction (except For-Sale Builders) | 42 |
| Commercial and Institutional Building Construction | 33 |
| Site Preparation Contractors | 26 |
| Finish Carpentry Contractors | 22 |
| Roofing Contractors | 19 |
| Poured Concrete Foundation and Structure Contractors | 17 |
| Loan size | Loans |
|---|---|
| Under $150K | 211 |
| $150K to $350K | 136 |
| $350K to $1M | 96 |
| $1M to $2.5M | 54 |
| $2.5M or more | 32 |
- SBA lenders recorded 529 loans to construction trades totaling $306M in Utah in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $190K, with the middle half between $50K and $570K. SBA FOIA,
- 465 were SBA 7(a) loans and 64 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.25% on 465 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 410 of the loans, credit unions 101, and non-banks 14. SBA FOIA,
- The five most active lenders made 50.7% of the loans. SBA FOIA,
- The three most active lenders were Zions Bancorporation, N.A. with 96, Mountain America Credit Union with 75, and U.S. Bank National Association with 51. SBA FOIA,
- 211 of the loans were under $150K, and 86 were $1M or more. SBA FOIA,
- 4 of these loans were made by lenders that have since merged or closed, that the file lists under a name with no lender record here, or that the loan tape shows only at a broader industry level. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 186 approvals of these loans dated in the 12 months to September 30, 2026, versus 212 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 17 of the 60 lenders are based in Utah. The rest are based elsewhere, most often in Ohio, California and Illinois. SBA FOIA,
- The most common detailed industry in Utah was All Other Specialty Trade Contractors, with 72 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to construction trades in Utah
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in Utah, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 23.
- Order
- Largest first by loans in the state, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.