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
341
2010–2026
Total Volume
$95M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
341 total segments
Sound Credit Union primarily serves startups, with 55% of their SBA deals focused on new businesses. This could be advantageous if you're a first-time borrower looking to launch a venture.
With an average 7(a) spread of P+2.39%, Sound Credit Union offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Although Sound Credit Union has a minimal 504 presence, with only 4% of their deals in this category, they may not be the best choice if you're looking for real estate financing. Focus on their strong 7(a) offerings instead.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 15 504 loans, which use fixed SBA debenture rates.
States where Sound Credit Union has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Transportation & Warehousing
Transportation & Warehousing
Real Estate
Real Estate
Nursing & Residential Care
Health Care & Social Assistance
Miscellaneous Retail
Retail Trade
Manufacturing
Manufacturing
+ 7 more
All recorded SBA lending activity for Sound Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Washington · Specialty Trade Contractors · Under $150K | 7(a) | 26 | P+4.25% | $50K | Q2 2025 |
| Washington · Restaurants & Food Service · Under $150K | 7(a) | 24 | P+4.13% | $36K | Q4 2025 |
| Washington · Administrative & Waste Services · Under $150K | 7(a) | 20 | P+5.25% | $31K | Q3 2025 |
| Washington · Transportation & Warehousing · Under $150K | 7(a) | 17 | P+4.50% | $29K | Q3 2025 |
| Washington · Miscellaneous Retail · Under $150K | 7(a) | 13 | P+4.75% | $29K | Q4 2025 |
| Washington · Other Repair & Services · Under $150K | 7(a) | 10 | P+5.00% | $32K | Q4 2025 |
| Washington · Personal Care (Salons, Spas) · Under $150K | 7(a) | 9 | P+5.00% | $21K | Q4 2024 |
| Washington · Management & IT Consulting · Under $150K | 7(a) | 8 | P+4.38% | $48K | Q2 2025 |
| Washington · Real Estate · Under $150K | 7(a) | 8 | P+4.38% | $26K | Q2 2025 |
| Washington · Building Construction · Under $150K | 7(a) | 8 | P+4.50% | $22K | Q4 2025 |
| Washington · Arts, Entertainment & Recreation · Under $150K | 7(a) | 8 | P+3.50% | $48K | Q4 2025 |
| Washington · Manufacturing · Under $150K | 7(a) | 8 | P+2.50% | $67K | Q4 2025 |
| Washington · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+1.75% | $222K | Q4 2023 |
| Washington · Other Health Practitioners · Under $150K | 7(a) | 7 | P+4.25% | $58K | Q2 2025 |
| Washington · Specialty Trade Contractors · $150K – $350K | 7(a) | 7 | P+1.75% | $241K | Q2 2025 |
| Washington · Nursing & Residential Care · $500K – $1M | 7(a) | 7 | P+1.25% | $641K | Q2 2023 |
| Washington · Retail Trade · Under $150K | 7(a) | 6 | P+5.00% | $23K | Q3 2024 |
| Washington · Wholesale Trade · Under $150K | 7(a) | 6 | P+4.63% | $61K | Q4 2025 |
| Washington · Transportation & Warehousing · $150K – $350K | 7(a) | 5 | P+1.00% | $240K | Q4 2025 |
| Washington · Nursing & Residential Care · $350K – $500K | 7(a) | 5 | P+1.25% | $424K | Q4 2018 |
| Washington · Other Professional Services · Under $150K | 7(a) | 5 | P+4.50% | $29K | Q4 2025 |
| Washington · Real Estate · $350K – $500K | 7(a) | 3 | P+1.00% | $447K | Q3 2024 |
| Washington · Auto Repair & Maintenance · Under $150K | 7(a) | 3 | P+5.00% | $32K | Q4 2024 |
| Washington · Restaurants & Food Service · $1M – $2M | 7(a) | 3 | P+1.00% | $1.7M | Q3 2022 |
| Washington · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+1.00% | $561K | Q3 2024 |
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