America First FCU
Headquartered in RIVERDALE, UT. Analysis based on 531 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $505.3M.
Total 7(a) loans
531
Total approved
$505.3M
Average loan
$952K
States funded in
10
Charge-off rate
0.58%
FY2020–FY2023 cohort
Paid-in-full rate
23.92%
Average rate
6.90%
Average term
217 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 623312 | Homes for the Elderly | 31 |
| 722513 | Limited-Service Restaurants | 25 |
| 722511 | Full-Service Restaurants | 21 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 16 |
| 721110 | Hotels (except Casino Hotels) and Motels | 13 |
| 811192 | Car Washes | 13 |
| 238990 | All Other Specialty Trade Contractors | 10 |
| 721211 | RV (Recreational Vehicle) Parks and Campgrounds | 10 |
| 531130 | Lessors of Miniwarehouses and Self-Storage Units | 9 |
| 811111 | General Automotive Repair | 9 |
Top 10 states
| State | Loans |
|---|---|
| UT | 267 |
| AZ | 109 |
| NV | 106 |
| ID | 35 |
| MT | 4 |
| NM | 3 |
| CO | 3 |
| AR | 2 |
| OR | 1 |
| CA | 1 |
Top franchise brands financed
66 franchise loans across 48 distinct brands.
| Franchise | Loans |
|---|---|
| Bee Hive Homes | 5 |
| Tire Pros | 4 |
| Scooter's Coffee | 3 |
| Bruster's Real Ice Cream | 3 |
| KellerStrass Enterprises (Chev | 3 |
| Subway | 2 |
| Prime IV Hydration & Wellness | 2 |
| 7-Eleven, Inc - Individual Sto | 2 |
| Kampgrounds of America | 2 |
| Bodybar Pilates | 2 |
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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.