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SBA 504 record
America First Credit Union: SBA 504 first liens made
America First Credit Union, a credit union based in Riverdale, UT, made 112 SBA 504 first liens in the 36 months ending September 30, 2026, $168.6M in all, net of cancelled approvals. The typical first lien was about $1M, and 55 were in the last 12 months. Most were in Utah.
- Evidence
- SBA 504 loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 11, 2026
- First liens, 36 months
- 112
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $169M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $1M
- SBA FOIA,
- Largest loan
- $10M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 55
- SBA FOIA,
Cite this
Source: The Lender Report, America First Credit Union: SBA 504 first liens made, https://lender.report/lender/america-first-credit-union-ut/sba-504/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jun 2026 | Utah | SBA 504, General Automotive Repair | $570K | 25 yr | SBA FOIA | ||
| Jun 2026 | California | SBA 504, Beer, Wine, and Liquor Retailers | $560K | 25 yr | SBA FOIA | ||
| Apr 2026 | Utah | SBA 504, General Automotive Repair | $1.1M | 25 yr | SBA FOIA | ||
| Apr 2026 | Arizona | SBA 504, Landscaping Services | $1M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Engineering Services | $1.5M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Veterinary Services | $1.2M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Wholesale Trade | $480K | 25 yr | SBA FOIA | ||
| Feb 2026 | California | SBA 504, Hotels (except Casino Hotels) and Motels | $10M | 25 yr | SBA FOIA | ||
| Feb 2026 | Arizona | SBA 504, Manufacturing | $2.9M | 25 yr | SBA FOIA | ||
| Feb 2026 | Utah | SBA 504, All Other Miscellaneous Fabricated Metal Product Manufacturing | $1.6M | 25 yr | SBA FOIA | ||
| Feb 2026 | Nevada | SBA 504, Other Services (except Public Administration) | $510K | 20 yr | SBA FOIA | ||
| Feb 2026 | Utah | SBA 504, Used Car Dealers | $460K | 25 yr | SBA FOIA | ||
| Jan 2026 | Utah | SBA 504, All Other Professional, Scientific, and Technical Services | $1.2M | 25 yr | SBA FOIA | ||
| Jan 2026 | Arizona | SBA 504, Professional, Scientific, and Technical Services | $870K | 25 yr | SBA FOIA | ||
| Jan 2026 | California | SBA 504, Offices of Chiropractors | $250K | 25 yr | SBA FOIA | ||
| Dec 2025 | Utah | SBA 504, Wholesale Trade | $1M | 25 yr | SBA FOIA | ||
| Dec 2025 | Georgia | SBA 504, Child Care Services | $900K | 25 yr | SBA FOIA | ||
| Dec 2025 | Nevada | SBA 504, Wholesale Trade | $870K | 25 yr | SBA FOIA | ||
| Dec 2025 | California | SBA 504, Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $740K | 25 yr | SBA FOIA | ||
| Dec 2025 | Utah | SBA 504, Retail Trade | $680K | 25 yr | SBA FOIA | ||
| Dec 2025 | California | SBA 504, Offices of Dentists | $320K | 25 yr | SBA FOIA | ||
| Nov 2025 | California | SBA 504, Hotels (except Casino Hotels) and Motels | $3.2M | 25 yr | SBA FOIA | ||
| Nov 2025 | Utah | SBA 504, Gasoline Stations with Convenience Stores | $1M | 25 yr | SBA FOIA | ||
| Sep 2025 | North Carolina | SBA 504, Child Care Services | $2.5M | 25 yr | SBA FOIA | ||
| Sep 2025 | California | SBA 504, All Other General Merchandise Retailers | $1M | 25 yr | SBA FOIA | ||
| 112 SBA 504 first liens since October 2023, net of cancelled | $169M | SBA FOIA | |||||
A blank means the source did not report it.
| State | First liens | Dollars |
|---|---|---|
| Utah | 32 | $38.6M |
| California | 30 | $49.0M |
| Arizona | 14 | $31.0M |
| Nevada | 14 | $16.9M |
| Oregon | 5 | $6.10M |
| Colorado | 4 | $2.39M |
| Georgia | 3 | $6.10M |
| Texas | 3 | $4.14M |
| Florida | 2 | $670K |
| Minnesota | 1 | $2.40M |
| North Carolina | 1 | $2.50M |
| Ohio | 1 | $3.20M |
SBA loans are on record by state only.
| Loan size | First liens | Dollars |
|---|---|---|
| Under $150K | 0 | $0 |
| $150K to $350K | 12 | $3.06M |
| $350K to $1M | 40 | $24.5M |
| $1M to $2.5M | 38 | $56.0M |
| $2.5M or more | 22 | $85.1M |
| Quarter | First liens | Dollars |
|---|---|---|
| 2023 Q4 | 5 | $11.8M |
| 2024 Q1 | 12 | $31.1M |
| 2024 Q2 | 8 | $9.05M |
| 2024 Q3 | 17 | $29.0M |
| 2024 Q4 | 12 | $14.6M |
| 2025 Q1 | 14 | $13.1M |
| 2025 Q2 | 13 | $14.9M |
| 2025 Q3 | 8 | $12.2M |
| 2025 Q4 | 8 | $8.71M |
| 2026 Q1 | 11 | $21.0M |
| 2026 Q2 | 4 | $3.23M |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | First liens |
|---|---|
| Child Care Services (624410) | 8 |
| Full-Service Restaurants (722511) | 7 |
| Hotels (except Casino Hotels) and Motels (721110) | 7 |
| Professional, Scientific, and Technical Services | 6 |
| Construction | 5 |
| Other Services (except Public Administration) | 5 |
| Wholesale Trade | 5 |
| Automotive Body, Paint, and Interior Repair and Maintenance (811121) | 4 |
| General Automotive Repair (811111) | 4 |
| Retail Trade | 4 |
| Educational Services | 3 |
| Health Care and Social Assistance | 3 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| Accredited Lenders Program | 67 |
| 504 Refinancing Program | 19 |
| ALP Express | 19 |
| ALP Express Debt Refi | 3 |
| 504 Basic | 2 |
| Premier Certified Lenders Program | 2 |
| Certified Development Company | Projects |
|---|---|
| Mountain West Small Business Finance | 29 |
| The Mortgage Capital Development Corporation | 28 |
| Business Finance Capital | 20 |
| Nevada State Development Corporation | 6 |
| California Statewide Certified Development Corporation | 4 |
| Florida Business Development Corporation | 4 |
| Intermountain Business Lending, Inc. | 4 |
| CDC Small Business Finance Corp. | 3 |
| B:Side Capital | 2 |
| LiftFund, Inc. | 2 |
- America First Credit Union made 112 SBA 504 first liens totaling $168.6M in the 36 months ending September 30, 2026, net of cancelled approvals, in 14 states. SBA FOIA,
- The SBA file shows 55 approvals naming America First Credit Union as first-lien lender dated in the 12 months to September 30, 2026, and 61 in the 12 months before. Both counts leave out cancelled approvals and include approvals not yet funded, so the two periods are measured the same way. SBA FOIA,
- The typical first lien was about $1M, with the middle half between $540K and $2.1M. SBA FOIA,
- The largest was about $10M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 0 loans were under $150K, and 60 were $1M or more. SBA FOIA,
- The median term was 25 years. SBA FOIA,
- Its loans went most often to Child Care Services, with 8. SBA FOIA,
- The SBA file lists 67 of its loans as processed under Accredited Lenders Program. SBA FOIA,
- It worked with 20 Certified Development Companies, most often Mountain West Small Business Finance. SBA FOIA,
- Its loans were most often in Utah (32), California (30) and Arizona (14). SBA FOIA,
What we don't know
- Whether America First Credit Union is taking new SBA 504 loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
SBA 504 figures count the first-lien lender on each SBA approval. Dollars are first-lien amounts.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.