{"citation":"Celtic Bank SBA loans in Utah. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/celtic-bank/utah/ Source: SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/sba-express-lenders/celtic-bank/utah/","title":"Celtic Bank SBA loans in Utah","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"}],"data":{"window":{"id":"all","from":"2019-10-01","to":"2026-06-30"},"state":{"code":"UT","name":"Utah"},"lender":{"name":"Celtic Bank","url":"/sba-express-lenders/celtic-bank/","regulator_status":"active"},"loans":175,"dollars_approved":113521800,"measures":{"share_of_all_loans_pct":{"state":2.973,"national":1.578,"reading":"Clearly higher"},"median_loan":{"state":344500,"national":150000,"reading":"Clearly higher"},"middle_half_of_loans":{"state":{"p25":150000,"p75":908500},"national":{"p25":125000,"p75":768475}},"startup_pct":{"state":8.0,"national":6.2,"reading":"No clear gap"},"new_pct":{"state":23.4,"national":14.4,"reading":"Clearly higher"},"existing_pct":{"state":51.4,"national":66.1,"reading":"Clearly lower"},"ownership_pct":{"state":17.1,"national":12.7,"reading":"No clear gap"},"express_pct":{"state":null,"national":0.1,"reading":"No clear gap"},"loc_pct":{"state":null,"national":0.2,"reading":"No clear gap"},"median_term_months":{"state":120,"national":120},"median_spread_over_prime_points":{"state":2.75,"national":2.75}},"clear_gaps":["size","existing","share"],"top_industries":{"Full-Service Restaurants":14,"Landscaping Services":7,"General Freight Trucking, Local":6,"All Other Personal Services":5},"note":"Null means fewer than 5 loans. Loans SBA approved only: the file has no denials. Spread over Prime is the rate at approval minus Prime that day, not today's rate."}}