Heritage Family FCU
Headquartered in Rutland, VT. Analysis based on 64 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $6.9M.
Total 7(a) loans
64
Total approved
$6.9M
Average loan
$108K
States funded in
3
Charge-off rate
4.26%
FY2020–FY2023 cohort
Paid-in-full rate
23.40%
Average rate
6.42%
Average term
92 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 8 |
| 484110 | General Freight Trucking, Local | 3 |
| 238140 | Masonry Contractors | 3 |
| 561730 | Landscaping Services | 3 |
| 722320 | Caterers | 3 |
| 722513 | Limited-Service Restaurants | 3 |
| 313110 | Fiber, Yarn, and Thread Mills | 2 |
| 236118 | Residential Remodelers | 2 |
| 812910 | Pet Care (except Veterinary) Services | 2 |
| 713940 | Fitness and Recreational Sports Centers | 2 |
Top 10 states
| State | Loans |
|---|---|
| VT | 61 |
| NH | 2 |
| NY | 1 |
Top franchise brands financed
1 franchise loans across 1 distinct brands.
| Franchise | Loans |
|---|---|
| Mac Tools | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.