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County5th of 14 in Arizona by approvalsFIPS 04015
SBA loans in Mohave County, Arizona
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 210 loans to businesses in Mohave County, Arizona, in FY2021 to FY2025, worth $177M: 161 under 7(a) and 49 under 504.
That is 48.8 approvals per 1,000 business establishments (4,305 establishments in 2023), close to the Arizona figure of 43.1 and above the national 41.0.
It ranks 5th of 14 Arizona counties with approvals. In FY2025 there were 58, up 61% on FY2024.
54 lenders had approvals here; the most active were Mortgage Capital Development Corporation (30), Zions Bank, A Division of (19) and Arizona Financial Credit Union (18). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Mohave County
By number of approvals to businesses in the county, FY2021–FY2025; 54 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Mortgage Capital Development CorporationOakland, CA · CDC | 30 | $27.2M | 14.3% | |
| 2 | Zions Bank, A Division ofSalt Lake City, UT | 19 | $3.7M | 9.0% | |
| 3 | Arizona Financial Credit UnionPhoenix, AZ | 18 | $9.3M | 8.6% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 17 | $4.4M | 8.1% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 11 | $3.9M | 5.2% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 8 | $22.2M | 3.8% | |
| 7 | America First Federal Credit UnionRiverdale, UT | 8 | $12.6M | 3.8% | |
| 8 | Arizona Capital SourceTucson, AZ · CDC | 7 | $6.4M | 3.3% | |
| 9 | Readycap Lending, LLCBerkeley Heights, NJ | 6 | $4.1M | 2.9% | |
| 10 | Celtic Bank CorporationSalt Lake City, UT | 5 | $5.2M | 2.4% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 5 | $477K | 2.4% | |
| 12 | St. Louis BankSt. Louis, MO | 4 | $8.6M | 1.9% | |
| 13 | Mountain West Small Business FinanceSalt Lake City, UT · CDC | 4 | $4.2M | 1.9% | |
| 14 | Newtek Bank, National AssociationMiami, FL | 4 | $3.4M | 1.9% | |
| 15 | US Metro BankGarden Grove, CA | 3 | $5.5M | 1.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 23 | 11.0% | |
| 2 | Offices of PhysiciansNAICS 6211 | 11 | 5.2% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 11 | 5.2% | |
| 4 | Gasoline StationsNAICS 4571 | 10 | 4.8% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 10 | 4.8% | |
| 6 | Lessors of Real EstateNAICS 5311 | 9 | 4.3% | |
| 7 | Traveler AccommodationNAICS 7211 | 8 | 3.8% | |
| 8 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 7 | 3.3% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 6 | 2.9% | |
| 10 | Building Finishing ContractorsNAICS 2383 | 6 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 37 | 17.6% | |
| 2 | Accommodation and Food Services | 36 | 17.1% | |
| 3 | Construction | 35 | 16.7% | |
| 4 | Health Care and Social Assistance | 23 | 11.0% | |
| 5 | Other Services (except Public Administration) | 22 | 10.5% | |
| 6 | Real Estate and Rental and Leasing | 17 | 8.1% | |
| 7 | Transportation and Warehousing | 12 | 5.7% | |
| 8 | Manufacturing | 11 | 5.2% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 22 | $12.4M | $311K | 12 | $16.0M | 34 | 330 |
| FY2025 | 49 | $18.8M | $100K | 9 | $9.8M | 58 | 390 |
| FY2024 | 32 | $29.5M | $297K | 4 | $1.7M | 36 | 249 |
| FY2023 | 27 | $29.3M | $250K | 12 | $9.1M | 39 | 355 |
| FY2022 | 23 | $17.1M | $500K | 14 | $15.5M | 37 | 293 |
| FY2021 | 30 | $37.9M | $795K | 10 | $8.3M | 40 | 462 |
| FY2020 | 27 | $19.8M | $266K | 4 | $2.4M | 31 | 333 |
| FY2019 | 38 | $35.6M | $343K | 1 | — | 39 | 357 |
| FY2018 | 35 | $16.8M | $174K | 3 | $3.7M | 38 | 565 |
| FY2017 | 40 | $22.7M | $96K | 4 | $1.8M | 44 | 468 |
| FY2016 | 28 | $8.3M | $147K | 1 | — | 29 | 199 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 181 approvals.
Against Arizona and the country
| FY2021–FY2025 | Mohave County | Arizona | United States |
|---|---|---|---|
| Approvals | 210 | 7,026 | 342,825 |
| Approvals per 1,000 establishments | 48.8 | 43.1 | 41.0 |
| Median 7(a) approval | $300K | $300K | $190K |
| Median 504 approval | $610K | $706K | $657K |
| Average approval | $843K | $686K | $573K |
| 504 share of approvals | 23.3% | 14.9% | 11.0% |
| Jobs supported per approval, as reported | 8.3 | 12.1 | 10.5 |
| Share of state approvals | 3.0% | 100.0% | — |
Approval sizes
- $50,000 or less20.0%42
- $50,001 to $150,00013.3%28
- $150,001 to $350,00011.0%23
- $350,001 to $1 million31.9%67
- $1 million to $2 million10.5%22
- Over $2 million13.3%28
Age of the businesses
- Existing, more than 2 years old53.8%113
- New business, 2 years or less21.4%45
- Startup, loan funds will open the business15.7%33
- Change of ownership8.6%18
- Not answered0.5%1
Questions and answers
Which lenders make the most SBA loans in Mohave County?
By approvals in FY2021 to FY2025: Mortgage Capital Development Corporation (30), Zions Bank, A Division of (19), Arizona Financial Credit Union (18), Wells Fargo Bank National Association (17), U.S. Bank, National Association (11). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Mohave County?
The median 7(a) approval was $300K and the median 504 approval $610K; the Arizona 7(a) median was $300K.
Which industries get the most SBA loans in Mohave County?
Restaurants and Other Eating Places (23); Offices of Physicians (11); Building Equipment Contractors (11); Gasoline Stations (10); Automotive Repair and Maintenance (10).
Is SBA lending in Mohave County rising?
Approvals in the three latest complete fiscal years total 133, against 108 in the three before: rising (+23%).
How does Mohave County compare with the rest of Arizona?
48.8 approvals per 1,000 establishments against 43.1 statewide, and 210 of the state's 7,026 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error