Mountain America FCU
Headquartered in SANDY, UT. Analysis based on 1,065 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $408.8M.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Mountain America FCU ranks #40 by charge-off rate (1.66%).
Total 7(a) loans
1,065
Total approved
$408.8M
Average loan
$384K
States funded in
13
Charge-off rate
1.66%
FY2020–FY2023 cohort
Paid-in-full rate
33.33%
Average rate
9.40%
Average term
150 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 238990 | All Other Specialty Trade Contractors | 39 |
| 722511 | Full-Service Restaurants | 38 |
| 722513 | Limited-Service Restaurants | 33 |
| 811111 | General Automotive Repair | 27 |
| 441120 | Used Car Dealers | 25 |
| 238210 | Electrical Contractors | 20 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 20 |
| 541990 | All Other Professional, Scientific, and Technical Services | 19 |
| 623312 | Homes for the Elderly | 19 |
| 713940 | Fitness and Recreational Sports Centers | 19 |
Top 10 states
| State | Loans |
|---|---|
| UT | 770 |
| ID | 118 |
| AZ | 103 |
| NV | 42 |
| MT | 13 |
| WY | 6 |
| CO | 3 |
| WA | 3 |
| NM | 2 |
| VA | 2 |
Top franchise brands financed
97 franchise loans across 48 distinct brands.
| Franchise | Loans |
|---|---|
| Domino's | 11 |
| The Back Nine | 9 |
| F45 Training | 6 |
| Wetzel's Pretzels | 5 |
| Tire Factory/Point S | 4 |
| Houston TX Hot Chicken | 4 |
| Jackson Food Stores, Inc. (Exx | 3 |
| Anytime Fitness | 2 |
| Zoom Room | 2 |
| Lunatic Fringe | 2 |
Get matched with SBA lenders — free
Tell us a bit about your funding need. We'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
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.