Mountain America FCU

Sandy, UT7(a) lenderTop sector: Landscaping Services

Is this my lender?

Loans approved

4,836

FY2003–FY2026

Dollars approved

$719.1M

$340.9M since FY2021

Average loan

$149K

$408K recently

Charge-off rate

3.3%

by dollars · 17.7% by count

Approvals over time

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What they lend against

Landscaping Services134 Specialized Freight (except Used Goods) Trucking, Local87 All Other Specialty Trade Contractors86 Electrical Contractors and Other Wiring Installation Contractors82 Plumbing, Heating, and Air-Conditioning Contractors80 General Automotive Repair79

Loan count by NAICS industry, whole record. Each row opens that industry’s profile, where this lender is ranked against everyone else writing it.

Where they lend

Utah4,140 · 86%Arizona207 · 4%Idaho201 · 4%Nevada144 · 3%New Mexico60 · 1%Colorado18 · 0%Montana12 · 0%Wyoming10 · 0%

Share is of this lender’s entire book, so the 8 states shown need not sum to 100%. Together they account for 99% of its lending.

At a glance

Rank by recent volume#110 of 2321

First approvalFY2003

Latest approvalFY2026

States lent into8+

What they charge

Typical pricingPrime + 1.00

Median rate 8.50%Fixed 1%459 loans

Median initial rate on this lender's 7(a) loans approved FY2024 onward, against a market median of Prime + 2.75. That is cheaper than the market typically prices. It is the rate at approval, not an offer, and says nothing about fees.

Program mix

7(a) · 100% (4,836)504 · 0% (0)

Split by loan count.

7(a) $719.1M504 $0

Loss rate in context

This lender3.3%

Both programs, all lenders4.6%

Charged-off dollars over dollars approved. By loan count this lender is at 17.7%; the two measures diverge when a book is weighted toward small loans.

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