STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
170
2010–2025
Total Volume
$21M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a)
170 total segments
Community 1st CU focuses heavily on startups, with 51% of their 170 deals going to new businesses. This is a strong signal for first-time borrowers looking for funding.
With an average 7(a) spread of P+1.59%, Community 1st CU offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest.
The lender has seen a significant decline in activity, with a -43% year-over-year drop in deals. This trend may indicate stricter lending criteria or reduced availability of funds.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where Community 1st CU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Retail Trade
Retail Trade
Specialty Trade Contractors
Construction
Auto Repair & Maintenance
Other Services
Restaurants & Food Service
Accommodation & Food Services
Transportation & Warehousing
Transportation & Warehousing
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for Community 1st CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Iowa · Other Health Practitioners · Under $150K | 7(a) | 15 | P+2.00% | $48K | Q2 2024 |
| Iowa · Manufacturing · Under $150K | 7(a) | 12 | P+2.00% | $49K | Q2 2023 |
| Iowa · Specialty Trade Contractors · Under $150K | 7(a) | 11 | P+2.00% | $41K | Q4 2024 |
| Iowa · Restaurants & Food Service · Under $150K | 7(a) | 10 | P+2.15% | $51K | Q2 2024 |
| Iowa · Retail Trade · Under $150K | 7(a) | 9 | P+2.00% | $56K | Q1 2021 |
| Iowa · Administrative & Waste Services · Under $150K | 7(a) | 8 | P+1.90% | $51K | Q3 2024 |
| Iowa · Manufacturing · $150K – $350K | 7(a) | 8 | P+2.00% | $225K | Q3 2021 |
| Iowa · Arts, Entertainment & Recreation · Under $150K | 7(a) | 7 | P+1.00% | $73K | Q2 2024 |
| Iowa · Miscellaneous Retail · Under $150K | 7(a) | 7 | P+1.84% | $60K | Q2 2025 |
| Iowa · Auto Repair & Maintenance · Under $150K | 7(a) | 6 | P+1.75% | $40K | Q3 2023 |
| Iowa · Transportation & Warehousing · Under $150K | 7(a) | 6 | P+2.89% | $44K | Q3 2022 |
| Iowa · Auto Repair & Maintenance · $150K – $350K | 7(a) | 6 | P+1.13% | $187K | Q2 2023 |
| Iowa · Food & Beverage Stores · Under $150K | 7(a) | 4 | P+-1.23% | $44K | Q3 2024 |
| Iowa · Other Professional Services · Under $150K | 7(a) | 4 | P+2.27% | $78K | Q1 2022 |
| Iowa · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+3.24% | $49K | Q3 2022 |
| Iowa · Wholesale Trade · Under $150K | 7(a) | 3 | P+0.00% | $58K | Q4 2022 |
| Missouri · Manufacturing · Under $150K | 7(a) | 2 | P+2.27% | $15K | Q4 2021 |
| Iowa · Building Construction · Under $150K | 7(a) | 2 | P+2.62% | $25K | Q2 2020 |
| Iowa · Social Assistance · Under $150K | 7(a) | 2 | P+2.00% | $84K | Q4 2021 |
| Iowa · Social Assistance · $150K – $350K | 7(a) | 2 | P+0.25% | $170K | Q4 2022 |
| Iowa · Restaurants & Food Service · $150K – $350K | 7(a) | 2 | P+1.38% | $158K | Q3 2020 |
| Iowa · Other Repair & Services · Under $150K | 7(a) | 2 | P+1.79% | $64K | Q3 2017 |
| Iowa · Manufacturing · $350K – $500K | 7(a) | 2 | P+1.50% | $455K | Q2 2023 |
| Iowa · Retail Trade · $150K – $350K | 7(a) | 2 | P+-0.38% | $333K | Q4 2022 |
| Iowa · Retail Trade · $350K – $500K | 7(a) | 2 | P+1.75% | $431K | Q4 2022 |
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Real experiences from borrowers who closed SBA loans with Community 1st CU.
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