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
2,588
2010–2026
Total Volume
$919M
Gross loan amounts
States Active
17
With recorded loans
Programs
7(a) & 504
2588 total segments
Mountain America FCU has a strong focus on existing businesses, with 67% of their deals serving this purpose. This is beneficial for established businesses looking for financing.
With an average 7(a) spread of P+2.23%, Mountain America FCU offers competitive pricing compared to the national median of P+2.75%. This could result in lower overall borrowing costs for you.
The lender's growth trend shows a decline of 8% year-over-year, which may indicate a tightening of lending criteria. This could make it more challenging to secure a loan if this trend continues.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 286 504 loans, which use fixed SBA debenture rates.
Top 15 of 17 states where Mountain America FCU has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Real Estate
Real Estate
Transportation & Warehousing
Transportation & Warehousing
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for Mountain America 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) | 133 | P+6.00% | $40K | Q3 2025 |
| Utah · Restaurants & Food Service · Under $150K | 7(a) | 89 | P+6.00% | $40K | Q4 2025 |
| Utah · Administrative & Waste Services · Under $150K | 7(a) | 71 | P+6.00% | $40K | Q1 2025 |
| Utah · Transportation & Warehousing · Under $150K | 7(a) | 67 | P+6.00% | $40K | Q4 2025 |
| Utah · Manufacturing · Under $150K | 7(a) | 64 | P+6.00% | $39K | Q3 2024 |
| Utah · Other Health Practitioners · Under $150K | 7(a) | 55 | P+6.00% | $46K | Q4 2025 |
| Utah · Building Construction · Under $150K | 7(a) | 52 | P+6.00% | $38K | Q4 2025 |
| Utah · Real Estate · Under $150K | 7(a) | 51 | P+4.00% | $57K | Q3 2025 |
| Utah · Personal Care (Salons, Spas) · Under $150K | 7(a) | 42 | P+6.00% | $34K | Q3 2025 |
| Utah · Retail Trade · Under $150K | 7(a) | 40 | P+6.00% | $39K | Q4 2025 |
| Utah · Other Repair & Services · Under $150K | 7(a) | 40 | P+6.00% | $41K | Q4 2025 |
| Utah · Miscellaneous Retail · Under $150K | 7(a) | 36 | P+6.00% | $33K | Q4 2025 |
| Utah · Arts, Entertainment & Recreation · Under $150K | 7(a) | 36 | P+6.00% | $49K | Q4 2025 |
| Utah · Management & IT Consulting · Under $150K | 7(a) | 36 | P+6.00% | $41K | Q2 2025 |
| Utah · Auto Repair & Maintenance · Under $150K | 7(a) | 32 | P+5.75% | $42K | Q2 2024 |
| Utah · Mining & Oil/Gas · Under $150K | 7(a) | 30 | P+6.00% | $30K | Q2 2023 |
| Utah · Other Professional Services · Under $150K | 7(a) | 29 | P+6.00% | $32K | Q4 2025 |
| Idaho · Specialty Trade Contractors · Under $150K | 7(a) | 28 | P+6.00% | $43K | Q1 2025 |
| Utah · Specialty Trade Contractors · $150K – $350K | 7(a) | 25 | P+1.00% | $222K | Q4 2025 |
| Utah · Wholesale Trade · Under $150K | 7(a) | 22 | P+6.00% | $39K | Q2 2025 |
| Utah · Auto Dealers & Parts · Under $150K | 7(a) | 22 | P+5.88% | $49K | Q1 2025 |
| Utah · Engineering & Architecture · Under $150K | 7(a) | 22 | P+6.00% | $35K | Q2 2025 |
| Utah · Physician & Dental Offices · Under $150K | 7(a) | 22 | P+6.00% | $44K | Q3 2025 |
| Utah · Manufacturing · $150K – $350K | 7(a) | 21 | P+1.00% | $230K | Q3 2024 |
| Utah · Sporting Goods & Hobby · Under $150K | 7(a) | 20 | P+6.00% | $27K | Q4 2016 |
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Real experiences from borrowers who closed SBA loans with Mountain America FCU.
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