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
455
2011–2025
Total Volume
$37M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
455 total segments
St. Mary's CU focuses heavily on existing businesses, with 72% of their deals supporting established companies. This makes them a strong option if you're looking to expand an existing operation rather than start a new one.
With an average 7(a) spread of P+0.41%, St. Mary's CU offers significantly lower rates compared to the national median of P+2.75%. This could save you a substantial amount over the life of your loan.
The lender's deal volume has decreased by 63% year-over-year, indicating a potential tightening in lending. If you're considering applying, it may be wise to act quickly before further reductions in their lending capacity.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 22 504 loans, which use fixed SBA debenture rates.
States where St. Mary's CU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Administrative & Waste Services
Administrative & Waste Services
Transportation & Warehousing
Transportation & Warehousing
Building Construction
Construction
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Personal Care (Salons, Spas)
Other Services
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for St. Mary's CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Massachusetts · Specialty Trade Contractors · Under $150K | 7(a) | 126 | P+0.50% | $50K | Q3 2025 |
| Massachusetts · Administrative & Waste Services · Under $150K | 7(a) | 104 | P+0.75% | $35K | Q2 2025 |
| Massachusetts · Transportation & Warehousing · Under $150K | 7(a) | 28 | P+-0.65% | $37K | Q2 2025 |
| Massachusetts · Building Construction · Under $150K | 7(a) | 18 | P+0.75% | $39K | Q1 2024 |
| Massachusetts · Restaurants & Food Service · Under $150K | 7(a) | 13 | P+1.00% | $46K | Q3 2023 |
| Massachusetts · Personal Care (Salons, Spas) · Under $150K | 7(a) | 12 | P+-0.75% | $65K | Q1 2024 |
| Massachusetts · Manufacturing · Under $150K | 7(a) | 11 | P+1.00% | $60K | Q4 2023 |
| Massachusetts · Engineering & Architecture · Under $150K | 7(a) | 11 | P+1.00% | $42K | Q3 2024 |
| Massachusetts · Real Estate · Under $150K | 7(a) | 11 | P+0.50% | $30K | Q3 2022 |
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 7(a) | 9 | P+0.50% | $263K | Q2 2024 |
| Massachusetts · Accounting & Tax · Under $150K | 7(a) | 8 | P+0.50% | $47K | Q4 2024 |
| Massachusetts · Auto Repair & Maintenance · Under $150K | 7(a) | 7 | P+1.00% | $61K | Q1 2022 |
| Massachusetts · Other Professional Services · Under $150K | 7(a) | 7 | P+1.00% | $22K | Q1 2024 |
| Massachusetts · Other Health Practitioners · Under $150K | 7(a) | 7 | P+0.50% | $55K | Q2 2023 |
| Massachusetts · Finance & Insurance · Under $150K | 7(a) | 5 | P+0.00% | $60K | Q1 2021 |
| Massachusetts · Heavy & Civil Engineering · Under $150K | 7(a) | 5 | P+0.50% | $74K | Q3 2020 |
| Massachusetts · Auto Dealers & Parts · Under $150K | 7(a) | 5 | P+1.00% | $55K | Q1 2020 |
| Massachusetts · Retail Trade · Under $150K | 7(a) | 5 | P+1.00% | $37K | Q2 2021 |
| Massachusetts · Specialty Trade Contractors · $150K – $350K | 504 | 4 | — | $231K | Q1 2022 |
| Massachusetts · Manufacturing · $150K – $350K | 7(a) | 4 | P+-0.63% | $222K | Q2 2024 |
| Massachusetts · Wholesale Trade · Under $150K | 7(a) | 4 | P+1.00% | $89K | Q4 2019 |
| Massachusetts · Social Assistance · Under $150K | 7(a) | 4 | P+1.00% | $78K | Q4 2017 |
| Massachusetts · Management & IT Consulting · $150K – $350K | 7(a) | 3 | P+0.75% | $326K | Q2 2023 |
| Massachusetts · Other Repair & Services · Under $150K | 7(a) | 3 | P+-0.50% | $41K | Q4 2023 |
| Massachusetts · Specialty Trade Contractors · $500K – $1M | 7(a) | 2 | P+-1.38% | $700K | Q2 2024 |
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