Mountain America FCU
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Mountain America FCU · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 561730 | Landscaping Services | 145 | $11.8M | $81K | 2.7% |
| 238990 | All Other Specialty Trade Contractors | 97 | $22.6M | $233K | 1.8% |
| 484220 | Specialized Freight (except Used Goods) Trucking, Local | 95 | $7.4M | $78K | 1.8% |
| 238210 | Electrical Contractors and Other Wiring Installation Contractors | 92 | $12.7M | $138K | 1.7% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 90 | $9.0M | $100K | 1.7% |
| 484110 | General Freight Trucking, Local | 86 | $8.6M | $100K | 1.6% |
| 811111 | General Automotive Repair | 84 | $11.8M | $141K | 1.6% |
| 812112 | Beauty Salons | 79 | $5.1M | $65K | 1.5% |
| 484121 | General Freight Trucking, Long-Distance, Truckload | 78 | $10.1M | $129K | 1.5% |
| 236115 | New Single-Family Housing Construction (except For-Sale Builders) | 77 | $2.6M | $34K | 1.4% |
Geographic Distribution
SBA lending activity for Mountain America FCU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Utah (UT) | 4,572 | $573.8M | 85.7% |
| Idaho (ID) | 223 | $75.7M | 4.2% |
| Arizona (AZ) | 227 | $66.6M | 4.3% |
| Nevada (NV) | 155 | $20.5M | 2.9% |
| Montana (MT) | 15 | $9.7M | 0.3% |
| Oregon (OR) | 8 | $3.6M | 0.1% |
| Wyoming (WY) | 11 | $3.6M | 0.2% |
| Colorado (CO) | 19 | $3.3M | 0.4% |
| Washington (WA) | 3 | $3.1M | 0.1% |
| New Mexico (NM) | 67 | $3.1M | 1.3% |
| Illinois (IL) | 1 | $1.8M | 0.0% |
| Virginia (VA) | 4 | $426K | 0.1% |
| Iowa (IA) | 2 | $352K | 0.0% |
| California (CA) | 8 | $225K | 0.1% |
| Oklahoma (OK) | 3 | $80K | 0.1% |
| Florida (FL) | 3 | $75K | 0.1% |
| Hawaii (HI) | 3 | $65K | 0.1% |
| South Dakota (SD) | 1 | $38K | 0.0% |
| Tennessee (TN) | 2 | $37K | 0.0% |
| North Carolina (NC) | 1 | $30K | 0.0% |
| Indiana (IN) | 1 | $25K | 0.0% |
| North Dakota (ND) | 1 | $25K | 0.0% |
| Texas (TX) | 1 | $25K | 0.0% |
| Pennsylvania (PA) | 1 | $25K | 0.0% |
| South Carolina (SC) | 1 | $25K | 0.0% |
| Georgia (GA) | 1 | $20K | 0.0% |
| Alaska (AK) | 1 | $15K | 0.0% |
| Missouri (MO) | 1 | $15K | 0.0% |
Why Choose Mountain America FCU?
Based on SBA 7(a) lending track record from 2003-2025
- ✓Proven Track Record: 5,336 SBA loans approved, totaling $766.2M in financing
- ✓Industry Expertise: Specialized focus on Landscaping Services, All Other Specialty Trade Contractors, Specialized Freight (except Used Goods) Trucking, Local
- ✓Competitive Terms: Average interest rate of 8.13% with flexible term lengths averaging 106 months
- ✓Loan Range: Loan sizes from $4K to $5.0M, with an average of $144K
- ✓Nationwide Reach: Active lending in 28 states, with strong presence in UT, AZ, ID
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Mountain America FCU SBA lending
What types of businesses does Mountain America FCU typically finance?
Mountain America FCU specializes in SBA 7(a) lending to specific industries including landscaping services, all other specialty trade contractors, specialized freight (except used goods) trucking, local, electrical contractors and other wiring installation contractors. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Mountain America FCU's typical SBA loan terms?
Mountain America FCU's SBA 7(a) loans typically feature an average interest rate of 8.13% and average term length of 106 months (approximately 9 years). Loan sizes range from $4K to $5.0M, with an average loan size of $144K.
Do I need a business valuation for a Mountain America FCU SBA loan?
Yes, Mountain America FCU typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Mountain America FCU compare to other SBA lenders?
Mountain America FCU has originated 5,336 SBA loans totaling $766.2M since 2003. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Mountain America FCU lend in?
Mountain America FCU provides SBA 7(a) financing with particularly strong presence in UT, AZ, ID, NV, NM. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Certified valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.