Mountain America FCU: SBA Lending Record
What SBA's own loan files show about Mountain America FCU as an SBA lender, and how a lender's record bears on a feasibility study.
1,477 loans trace to Mountain America FCU for approvals in FY2017 to FY2026, $541.5 million gross. Mountain America FCU is all SBA 7(a), with 1,477 loans and no 504 loans credited. Mountain America FCU has 1,477 loans assigned to it. Mountain America FCU holds 1,477 loans that SBA guarantees.
Mountain America FCU asset and state spread
Mountain America FCU puts its largest named classes at Full-service restaurant, 50, Limited-service restaurant, 50, Automotive mechanical repair (car and truck), 35, Assisted living (without nursing care), 25 and Fitness center, 23 loans. At Mountain America FCU, Full-service restaurant and Limited-service restaurant tie at 50 loans each. The largest Mountain America FCU group, 1,111 loans, fits no tracked class. Mountain America FCU's states by loans run Utah, 1,076, Idaho, 172, Arizona, 130, Nevada, 52 and Montana, 14.
Mountain America FCU outcome floors
11.6% is the cancellation floor on Mountain America FCU approvals from FY2017 to FY2024. Mountain America FCU ceiling: withheld, per Loan Analytics' own rule. Mountain America FCU ceiling: no zero, no estimate. Mountain America FCU has a charge-off floor of 1.6% to date. Its cohort, 498 loans, was disbursed in FY2017 to FY2021. Mountain America FCU five-year charge-offs: withheld, not zero. Mountain America FCU floors rise only as loans age.
Mountain America FCU in a feasibility study
Mountain America FCU counts 50 loans in the Full-service restaurant class. Mountain America FCU study needs site traffic. 50 Full-service restaurant loans do not settle labour and food cost. Mountain America FCU history says nothing on occupancy cost. 50 loans of Mountain America FCU fall in the Limited-service restaurant class. Mountain America FCU study must prove comparable sales. 50 Limited-service restaurant loans leave site traffic open. Mountain America FCU total of $541.5 million says nothing about any one site. Mountain America FCU also has 1,111 loans in no tracked class. At Mountain America FCU, the project must carry the case. Mountain America FCU: 1,076 loans in Utah, each site needs local evidence. Mountain America FCU: ask directly what it needs to see. Mountain America FCU shows 1,477 loans, not demand at any one site. Mountain America FCU: competing supply near the site matters most. Mountain America FCU study: written support behind each revenue figure. Mountain America FCU request: build cost quoted, not assumed. Mountain America FCU request: coverage holds on cautious revenue.Value for a given parcel is set by an appraiser, independent of Mountain America FCU loan totals. Mountain America FCU study should state its downside case. Mountain America FCU: state assumptions, test coverage, support value. Mountain America FCU carries $541.5 million in gross approvals on 1,477 loans. Mountain America FCU equity belongs in the study.
Mountain America FCU cancellation rates use approvals through FY2024 only. Mountain America FCU totals add FY2025 and FY2026 approvals. The Mountain America FCU cohort holds 498 loans, disbursed FY2017 to FY2021. Mountain America FCU figures describe loans held, not lender practices. 1,477 loans cannot predict one new request to Mountain America FCU. Mountain America FCU withheld values are never zeros or estimates.
SBA loans held by Mountain America FCU
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 1,477 |
|---|---|
| Gross dollars approved | $541.5 million |
| SBA 7(a) loans | 1,477 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 11.6% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 1.6% |
| Charged off within five years of approval | withheld |
| Loans in that cohort | 498 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 1,111 |
| Full-service restaurant | 50 |
| Limited-service restaurant | 50 |
| Automotive mechanical repair (car and truck) | 35 |
| Assisted living (without nursing care) | 25 |
| Fitness center | 23 |
| Child care center | 22 |
| Coffee shop and snack bar | 21 |
| Self storage | 20 |
| Beauty salon | 19 |
| Dental office | 18 |
| Hotel and motel | 16 |
| Medical office (physicians) | 13 |
| Gas station and truck stop | 11 |
| Rehabilitation and therapy clinic | 11 |
| Behavioral health and addiction treatment | 6 |
| Nonresidential lessor (flex, office and retail investor buildings) | 5 |
| Grocery store | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-ncua-24692.
Related feasibility study pages
- SBA Lender Feasibility Study Data
- SBA feasibility study company
- Celtic Bank Corporation: SBA Lending Record
- Zions Bancorporation, National Association: SBA Lending Record
- Mountain West Small Business Finance: SBA Lending Record
- America First Federal Credit Union: SBA Lending Record
- FinWise Bank: SBA Lending Record
- Happen Bank: SBA Lending Record
- Central Bank (UT): SBA Lending Record
- Intermountain Business Lending, Inc.: SBA Lending Record
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