STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
869
2010–2026
Total Volume
$567M
Gross loan amounts
States Active
17
With recorded loans
Programs
7(a) & 504
869 total segments
America First FCU has a strong focus on existing businesses, with 47% of their deals supporting this category. This indicates they are well-suited for established companies looking to expand or refinance.
With an average 7(a) spread of P+1.59%, America First FCU offers competitive pricing compared to the national median of ~P+2.75%. This could lead to significant savings for borrowers.
Despite a diverse range of industries served, America First FCU's growth trend is declining at -20% YoY. Potential borrowers should be aware that this may impact approval rates and funding availability.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 65 504 loans, which use fixed SBA debenture rates.
Top 15 of 17 states where America First FCU has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Transportation & Warehousing
Transportation & Warehousing
Auto Repair & Maintenance
Other Services
Administrative & Waste Services
Administrative & Waste Services
Nursing & Residential Care
Health Care & Social Assistance
Miscellaneous Retail
Retail Trade
+ 7 more
All recorded SBA lending activity for America First FCU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Utah · Specialty Trade Contractors · Under $150K | 7(a) | 30 | P+3.00% | $61K | Q1 2023 |
| Utah · Manufacturing · Under $150K | 7(a) | 25 | P+3.50% | $46K | Q3 2022 |
| Utah · Restaurants & Food Service · Under $150K | 7(a) | 24 | P+2.75% | $67K | Q4 2025 |
| Utah · Restaurants & Food Service · $150K – $350K | 7(a) | 18 | P+2.63% | $221K | Q1 2025 |
| Utah · Administrative & Waste Services · Under $150K | 7(a) | 17 | P+3.00% | $59K | Q4 2025 |
| Utah · Wholesale Trade · Under $150K | 7(a) | 17 | P+3.50% | $46K | Q2 2024 |
| Utah · Transportation & Warehousing · Under $150K | 7(a) | 17 | P+2.75% | $69K | Q1 2022 |
| Utah · Personal Care (Salons, Spas) · Under $150K | 7(a) | 17 | P+3.25% | $45K | Q1 2022 |
| Utah · Retail Trade · Under $150K | 7(a) | 14 | P+3.50% | $52K | Q3 2020 |
| Utah · Arts, Entertainment & Recreation · Under $150K | 7(a) | 12 | P+3.13% | $55K | Q4 2020 |
| Utah · Other Repair & Services · Under $150K | 7(a) | 11 | P+3.25% | $48K | Q4 2022 |
| Arizona · Nursing & Residential Care · $1M – $2M | 7(a) | 9 | P+1.50% | $1.4M | Q4 2025 |
| Utah · Restaurants & Food Service · $500K – $1M | 7(a) | 9 | P+0.50% | $607K | Q4 2024 |
| Utah · Management & IT Consulting · Under $150K | 7(a) | 9 | P+3.50% | $30K | Q3 2013 |
| Utah · Auto Dealers & Parts · Under $150K | 7(a) | 8 | P+3.38% | $40K | Q3 2020 |
| Utah · Restaurants & Food Service · $1M – $2M | 7(a) | 8 | P+1.13% | $1.5M | Q2 2025 |
| Utah · Manufacturing · $500K – $1M | 7(a) | 7 | P+1.25% | $633K | Q1 2025 |
| Utah · Auto Repair & Maintenance · $500K – $1M | 7(a) | 7 | P+0.00% | $714K | Q1 2025 |
| Arizona · Nursing & Residential Care · $500K – $1M | 7(a) | 7 | P+1.50% | $756K | Q3 2025 |
| Utah · Food & Beverage Stores · $150K – $350K | 7(a) | 6 | P+2.25% | $254K | Q1 2025 |
| Utah · Miscellaneous Retail · Under $150K | 7(a) | 6 | P+3.63% | $40K | Q3 2024 |
| Utah · Transportation & Warehousing · $150K – $350K | 7(a) | 6 | P+2.50% | $288K | Q2 2024 |
| Utah · Other Health Practitioners · Under $150K | 7(a) | 6 | P+3.25% | $74K | Q1 2022 |
| Utah · Education · Under $150K | 7(a) | 6 | P+3.25% | $28K | Q2 2022 |
| Utah · Other Professional Services · Under $150K | 7(a) | 6 | P+3.25% | $62K | Q2 2019 |
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Real experiences from borrowers who closed SBA loans with America First FCU.
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