Idaho

West region#33 of 61 by dollars+17.7% loans YoYTop trade: Offices of Dentists
Find my lender →
Loans on record
19,448
since FY1991
Dollars approved
$5.1B
Average loan
$261K
Charge-off rate
4.1%
by dollars · 9.6% by count

Largest lenders in Idaho

Ranked by loans into this state since FY2016. A lender headquartered elsewhere still counts. The SBA market is national, and several of the largest lenders in most states are based nowhere near them.

Approvals by fiscal year

'11'15'20'25'26

Hatched bar is FY2026, a partial year. The snapshot ends 30 June 2026.

744 loans in FY2025▲ 18% vs FY202476 lenders active in FY2025

What gets funded here

Loan count by NAICS industry, whole record. Shares are of all 19,448 loans in Idaho, which is why they are small: SBA lending in any state spreads across hundreds of trades, and no single one of them is close to dominant.

What borrowers here pay

Typical pricingPrime + 2.50
Median rate 10.25%Fixed 12%1,568 loans

Median initial rate on Idaho 7(a) loans approved FY2024 onward, against a market median of Prime + 2.75. That is about what the market typically prices. It is the rate at approval, not an offer, and says nothing about fees.

A state prices dear or cheap mostly because of what gets borrowed there, not where it is. Markets whose lending skews to small loans sit higher. How SBA pricing works →

Program mix

7(a) · 85% (16,592)504 · 15% (2,856)

Split by loan count.

Where inside the state

Ada34%
Kootenai14%
Canyon9%
Bonneville6%
Twin Falls4%
Bonner4%

Share is of all this state’s loans, so the 6 counties shown need not sum to 100%. Together they hold 71% of them. County is recorded as a name only, so it is shown but not linked.

Loss rate in context

Idaho4.1%
Every market4.6%

Elsewhere in the West

Borrower?

See which of these Idaho lenders fits your business.

Find my lender →