SBA Lenders in Idaho
Top lenders ranked by real SBA lending data. See who's most active in Idaho across deal count, loan size, and pricing.
What Borrowers Should Know
Idaho's median 7(a) loan spread of P+2.11% is 64 basis points below the national median of P+2.75%. This means borrowers here pay meaningfully less interest on SBA loans than the typical U.S. small business owner—a direct advantage in your monthly cash flow and total loan cost.
Zions Bank dominates with 1,411 deals (32% of Idaho's market), and the top three lenders control 63% of all SBA lending in the state. This concentration means you have limited competitive alternatives—shop aggressively across all 52 active lenders because your options outside the big three may offer better terms to earn your business.
The average deal size of $300,895 is relatively modest, suggesting Idaho's SBA market serves smaller businesses and startups. If your loan need is in this range, you're in the sweet spot for approval; if you need significantly more, expect fewer comparable deals in the lending history and potentially tighter scrutiny.
Total SBA Loans
4,378
Active Lenders
52
Avg Deal Size
$301K
Total Volume
$1.3B
Top 10 Lenders in Idaho
Ranked by total deal count across all SBA programs.
| # | Lender | Type | Deals | Avg Size | Spread | |
|---|---|---|---|---|---|---|
| 1 | Zions Bank, A Division of | Bank | 377 | $141K | P + 2.47%AVERAGE | |
| 2 | U.S. Bank, National Association | Bank | 307 | $71K | P + 2.25%GOOD | |
| 3 | Glacier Bank | Bank | 287 | $339K | P + 2.25%GOOD | |
| 4 | D. L. Evans Bank | Bank | 210 | $169K | P + 2.00%GOOD | |
| 5 | Capital Matrix, Inc. | CDC/504 | 161 | $436K | — | |
| 6 | Idaho Central CU | Bank | 138 | $396K | P + 2.50%AVERAGE | |
| 7 | Columbia Bank | Bank | 137 | $358K | P + 2.52%AVERAGE | |
| 8 | Wells Fargo Bank National Association | Bank | 136 | $157K | P + 2.60%AVERAGE | |
| 9 | Washington Trust Bank | Bank | 117 | $502K | P + 2.00%GOOD | |
| 10 | Banner Bank | Bank | 95 | $252K | P + 1.75%GOOD |
Top Industries in Idaho
SBA lending activity by industry segment.