GOOD
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
102
2010–2025
Total Volume
$37M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
102 total segments
Goldenwest Federal Credit Union has a strong focus on 504 loans, with 40% of their total deals in this category. This is significantly higher than the national average of around 18%. If you're looking for financing for real estate or expansion, this lender may be a great fit.
The average deal size at Goldenwest is $361,661, which suggests they are well-suited for small to medium-sized businesses. If your financing needs fall within this range, you are likely to find a good match here.
Goldenwest is experiencing a decline in growth, with an 11% year-over-year decrease in deals. This trend may affect your chances of approval, so it’s wise to approach them with a solid business plan and clear financials.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 41 504 loans, which use fixed SBA debenture rates.
States where Goldenwest Federal Credit Union has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Auto Dealers & Parts
Retail Trade
Physician & Dental Offices
Health Care & Social Assistance
Real Estate
Real Estate
Other Health Practitioners
Health Care & Social Assistance
Education
Education
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
+ 7 more
All recorded SBA lending activity for Goldenwest Federal Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Utah · Physician & Dental Offices · Under $150K | 7(a) | 8 | P+2.50% | $100K | Q4 2013 |
| Utah · Specialty Trade Contractors · Under $150K | 7(a) | 7 | P+3.00% | $46K | Q3 2018 |
| Utah · Transportation & Warehousing · Under $150K | 7(a) | 4 | P+2.50% | $41K | Q2 2023 |
| Utah · Auto Dealers & Parts · $150K – $350K | 504 | 4 | — | $255K | Q4 2014 |
| Utah · Finance & Insurance · Under $150K | 7(a) | 3 | P+3.00% | $27K | Q3 2012 |
| Utah · Auto Dealers & Parts · Under $150K | 7(a) | 3 | P+3.00% | $38K | Q1 2016 |
| Utah · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+3.00% | $50K | Q2 2022 |
| Utah · Manufacturing · Under $150K | 7(a) | 2 | P+0.88% | $70K | Q2 2023 |
| Utah · Manufacturing · Under $150K | 504 | 2 | — | $101K | Q4 2013 |
| Utah · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.00% | $75K | Q3 2019 |
| Utah · Manufacturing · $500K – $1M | 504 | 2 | — | $665K | Q2 2023 |
| Utah · Manufacturing · $1M – $2M | 504 | 2 | — | $1.5M | Q2 2022 |
| Utah · Real Estate · Under $150K | 7(a) | 2 | P+2.88% | $85K | Q4 2013 |
| Utah · Other Health Practitioners · Under $150K | 7(a) | 2 | P+3.00% | $55K | Q3 2018 |
| Utah · Education · Under $150K | 7(a) | 2 | P+3.50% | $33K | Q1 2013 |
| Utah · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+3.25% | $30K | Q4 2014 |
| Utah · Specialty Trade Contractors · $500K – $1M | 504 | 2 | — | $674K | Q4 2023 |
| Utah · Other Health Practitioners · $150K – $350K | 504 | 2 | — | $278K | Q3 2022 |
| Utah · Management & IT Consulting · Under $150K | 7(a) | 2 | P+3.00% | $45K | Q4 2014 |
| Utah · Other Professional Services · Under $150K | 7(a) | 2 | P+3.50% | $68K | Q4 2014 |
| Utah · Real Estate · Under $150K | 504 | 1 | — | $142K | Q4 2018 |
| Utah · Miscellaneous Retail · Under $150K | 504 | 1 | — | $62K | Q1 2016 |
| Utah · Education · $500K – $1M | 504 | 1 | — | $517K | Q2 2017 |
| Utah · Other Health Practitioners · $350K – $500K | 504 | 1 | — | $474K | Q2 2019 |
| Utah · Engineering & Architecture · $350K – $500K | 504 | 1 | — | $477K | Q1 2017 |
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Real experiences from borrowers who closed SBA loans with Goldenwest Federal Credit Union.
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