Mountain America FCU: SBA Lending Profile
Mountain America FCU is a credit union, headquartered in SANDY, UT. It is active in 13 states, concentrated around UT, ID, AZ. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Mountain America FCU actually approves
The median SBA approval at Mountain America FCU is $100,000. The middle 80% of its loans fall between $20,000 and $1,076,530. The smallest funded approval in the available source window is $10,000 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) | 350 | $100K | 8.5% | 7.1 years |
| 504 first mortgage (third party) | 71 | $709K | n/a | 25 years |
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Full-Service Restaurants | 37 | 3.7% |
| All Other Specialty Trade Contractors | 35 | 3.5% |
| Limited-Service Restaurants | 32 | 3.2% |
| General Automotive Repair | 23 | 2.3% |
| Used Car Dealers | 22 | 2.2% |
| Electrical Contractors and Other Wiring Installation Contractors | 19 | 1.9% |
| Plumbing, Heating, and Air-Conditioning Contractors | 19 | 1.9% |
| All Other Professional, Scientific, and Technical Services | 18 | 1.8% |
| Child Day Care Services | 17 | 1.7% |
| Assisted Living Facilities for the Elderly | 17 | 1.7% |
| Offices of Dentists | 16 | 1.6% |
| Fitness and Recreational Sports Centers | 15 | 1.5% |
How fast Mountain America FCU actually funds
Approval is not money in the bank. Across 935 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Mountain America FCU is 13 days. Half its loans fund between 6 and 24 days. The typical SBA lender takes about 20 days, so this is roughly in line with the market.
Lending momentum
Mountain America FCU is expanding its SBA program. Approvals are up 50.3% from FY2023 to FY2025, which usually means an active appetite and a team that wants deals.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Borrower profile
- Beyond SBA lending, NCUA call reports show $199M in commercial loans granted in the first quarter of 2026 alone, on a total commercial portfolio of $2.5B (as of 2026-03-31).
- 36.1% of its funded SBA records with known business age went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 54.4% of its recent SBA loans.
- 49.3% of its SBA lending is revolving lines of credit rather than term loans.
- 1.5% 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. Commercial lending figures from NCUA 5300 call report data. Funding speed is the median gap between approval date and first disbursement date in SBA records. Some lenders report disbursement at month end, which can round the figure upward. 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 Mountain America FCU.