America First Federal Credit Union: SBA Lending Profile
America First Federal Credit Union is a credit union, headquartered in RIVERDALE, UT. It is active in 31 states, concentrated around UT, AZ, NV. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes America First Federal Credit Union actually approves
The median SBA approval at America First Federal Credit Union is $572,900. The middle 80% of its loans fall between $160,380 and $2,448,540. The smallest approval on record since 2020 is $7,600 and the largest is $5,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 181 | $573K | 6.75% | 25 years |
| 504 first mortgage (third party) | 111 | $675K | n/a | 25 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Retail Bakeries | 41 | 5.6% |
| Child Day Care Services | 36 | 4.9% |
| Full-Service Restaurants | 34 | 4.6% |
| Limited-Service Restaurants | 34 | 4.6% |
| Assisted Living Facilities for the Elderly | 31 | 4.2% |
| Snack and Nonalcoholic Beverage Bars | 26 | 3.5% |
| Gasoline Stations with Convenience Stores | 17 | 2.3% |
| General Automotive Repair | 14 | 1.9% |
| Car Washes | 13 | 1.8% |
| Fitness and Recreational Sports Centers | 12 | 1.6% |
| All Other Specialty Trade Contractors | 12 | 1.6% |
| Offices of Lawyers | 11 | 1.5% |
Borrower profile
- 45.7% of its recent SBA loans went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 97.3% of its recent SBA loans.
- 3.4% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by America First Federal Credit Union.