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
140
2010–2026
Total Volume
$29M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
140 total segments
Town and Country CU has a strong focus on 504 loans, with 29% of their deals in this category, significantly higher than the national average of 18%. This makes them a good option for borrowers looking for real estate financing.
With an average 7(a) spread of P+1.60%, Town and Country CU offers competitive pricing compared to the national median of P+2.75%. This could save borrowers money over the life of their loan.
The lender's growth trend shows a decline of 27% year-over-year, which may indicate tightening lending standards or reduced capacity. Borrowers should be prepared for potentially more stringent approval processes.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 40 504 loans, which use fixed SBA debenture rates.
States where Town and Country CU 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
Social Assistance
Health Care & Social Assistance
Transportation & Warehousing
Transportation & Warehousing
Other Health Practitioners
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
+ 7 more
All recorded SBA lending activity for Town and Country CU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| North Dakota · Restaurants & Food Service · Under $150K | 7(a) | 10 | P+0.88% | $77K | Q2 2025 |
| North Dakota · Specialty Trade Contractors · Under $150K | 7(a) | 7 | P+1.75% | $34K | Q2 2017 |
| North Dakota · Transportation & Warehousing · Under $150K | 7(a) | 7 | P+3.00% | $104K | Q2 2020 |
| North Dakota · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+0.89% | $249K | Q3 2025 |
| North Dakota · Auto Repair & Maintenance · $150K – $350K | 504 | 4 | — | $204K | Q4 2024 |
| North Dakota · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+2.00% | $55K | Q4 2021 |
| North Dakota · Social Assistance · Under $150K | 7(a) | 4 | P+2.00% | $82K | Q4 2020 |
| North Dakota · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.13% | $228K | Q1 2024 |
| North Dakota · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+2.50% | $45K | Q3 2023 |
| North Dakota · Social Assistance · $150K – $350K | 504 | 3 | — | $252K | Q4 2024 |
| North Dakota · Accounting & Tax · Under $150K | 7(a) | 3 | P+1.00% | $50K | Q1 2025 |
| North Dakota · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.75% | $81K | Q2 2022 |
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+0.25% | $100K | Q3 2022 |
| Minnesota · Manufacturing · $150K – $350K | 7(a) | 2 | P+-0.03% | $266K | Q1 2024 |
| North Dakota · Finance & Insurance · Under $150K | 504 | 2 | — | $130K | Q2 2021 |
| North Dakota · Information & Media · Under $150K | 7(a) | 2 | P+0.25% | $75K | Q3 2025 |
| North Dakota · Other Professional Services · Under $150K | 7(a) | 2 | P+2.25% | $44K | Q1 2013 |
| North Dakota · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+0.93% | $243K | Q2 2024 |
| North Dakota · Arts, Entertainment & Recreation · Under $150K | 7(a) | 2 | P+2.38% | $123K | Q4 2021 |
| Minnesota · Other Repair & Services · Under $150K | 7(a) | 2 | P+0.25% | $10K | Q4 2023 |
| North Dakota · Restaurants & Food Service · Under $150K | 504 | 2 | — | $94K | Q3 2018 |
| North Dakota · Other Health Practitioners · $150K – $350K | 504 | 2 | — | $218K | Q1 2025 |
| North Dakota · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+-0.75% | $93K | Q4 2023 |
| North Dakota · General Merchandise · Under $150K | 7(a) | 2 | P+1.88% | $68K | Q2 2020 |
| North Dakota · Mining & Oil/Gas · Under $150K | 7(a) | 2 | P+3.50% | $88K | Q1 2016 |
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