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The Lender Report built this page from public records. Heritage Family Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Heritage Family Credit Union itself. Each figure shows its source and date. Work at Heritage Family Credit Union? You can claim this page for free.
SBA 7(a) record
Heritage Family Credit Union: SBA 7(a) loans made
Heritage Family Credit Union, a credit union based in Rutland, VT, made 19 SBA 7(a) loans in the 36 months ending September 30, 2026, $1.7M in all, net of cancelled approvals. The typical loan was about $85K, and 4 were in the last 12 months. Most were in Vermont.
- Evidence
- SBA 7(a) loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 9, 2026
- Loans, 36 months
- 19
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $1.73M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $85K
- SBA FOIA,
- Largest loan
- $260K
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 4
- SBA FOIA,
Cite this
Source: The Lender Report, Heritage Family Credit Union: SBA 7(a) loans made, https://lender.report/lender/heritage-family-credit-union-vt/sba-7a/, 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 |
|---|---|---|---|---|---|---|---|
| Jul 2026 | Vermont | SBA 7(a), Clothing and Clothing Accessories Retailers | $75K | 7.75% | 1 yr | SBA FOIA | |
| Apr 2026 | Vermont | SBA 7(a), Fitness and Recreational Sports Centers | $130K | 8.5% | 7 yr | SBA FOIA | |
| Apr 2026 | Vermont | SBA 7(a), Fitness and Recreational Sports Centers | $40K | 7.75% | 1 yr | SBA FOIA | |
| Dec 2025 | Vermont | SBA 7(a), Full-Service Restaurants | $85K | 9% | 5 yr | SBA FOIA | |
| Jul 2025 | Vermont | SBA 7(a), Full-Service Restaurants | $100K | 9% | 1 yr | SBA FOIA | |
| Jul 2025 | Vermont | SBA 7(a), Full-Service Restaurants | $25K | 8% | 4 yr | SBA FOIA | |
| May 2025 | Vermont | SBA 7(a), Residential Remodelers | $50K | 8.5% | 1 yr | SBA FOIA | |
| Mar 2025 | Vermont | SBA 7(a), Administrative and Support and Waste Management and Remediation Services | $86K | 8.75% | 7 yr | SBA FOIA | |
| Feb 2025 | Vermont | SBA 7(a), Other Services to Buildings and Dwellings | $75K | 8.5% | 2 yr | SBA FOIA | |
| Feb 2025 | Vermont | SBA 7(a), Limited-Service Restaurants | $50K | 8.5% | 5 yr | SBA FOIA | |
| Dec 2024 | Vermont | SBA 7(a), Caterers | $35K | 9.25% | 4 yr | SBA FOIA | |
| Nov 2024 | Vermont | SBA 7(a), Manufacturing | $260K | 7% | 20 yr | SBA FOIA | |
| Nov 2024 | Vermont | SBA 7(a), Manufacturing | $40K | 8.75% | 2 yr | SBA FOIA | |
| Jun 2024 | Vermont | SBA 7(a), All Other Specialty Trade Contractors | $61K | 9.5% | 4 yr | SBA FOIA | |
| May 2024 | Vermont | SBA 7(a), Agriculture, Forestry, Fishing and Hunting | $110K | 9% | 10 yr | SBA FOIA | |
| Apr 2024 | Vermont | SBA 7(a), Landscaping Services | $100K | 9.5% | 3 yr | SBA FOIA | |
| Feb 2024 | Vermont | SBA 7(a), General Automotive Repair | $100K | 9.5% | 2 yr | SBA FOIA | |
| Jan 2024 | Vermont | SBA 7(a), Limited-Service Restaurants | $210K | 7.5% | 10 yr | SBA FOIA | |
| Jan 2024 | Vermont | SBA 7(a), Construction | $100K | 9.5% | 3 yr | SBA FOIA | |
| 19 SBA 7(a) loans since October 2023, net of cancelled | $1.73M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| Vermont | 19 | $1.73M |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 17 | $1.26M |
| $150K to $350K | 2 | $470K |
| $350K to $1M | 0 | $0 |
| $1M to $2.5M | 0 | $0 |
| $2.5M or more | 0 | $0 |
| Quarter | Loans | Dollars |
|---|---|---|
| 2024 Q1 | 3 | $410K |
| 2024 Q2 | 3 | $271K |
| 2024 Q4 | 3 | $335K |
| 2025 Q1 | 3 | $211K |
| 2025 Q2 | 1 | $50.0K |
| 2025 Q3 | 2 | $125K |
| 2025 Q4 | 1 | $85.0K |
| 2026 Q2 | 2 | $170K |
| 2026 Q3 | 1 | $75.0K |
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) | Loans |
|---|---|
| Full-Service Restaurants (722511) | 3 |
| Fitness and Recreational Sports Centers (713940) | 2 |
| Limited-Service Restaurants (722513) | 2 |
| Manufacturing | 2 |
| Administrative and Support and Waste Management and Remediation Services | 1 |
| Agriculture, Forestry, Fishing and Hunting | 1 |
| All Other Specialty Trade Contractors (238990) | 1 |
| Caterers (722320) | 1 |
| Clothing and Clothing Accessories Retailers (458110) | 1 |
| Construction | 1 |
| General Automotive Repair (811111) | 1 |
| Landscaping Services (561730) | 1 |
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 |
|---|---|
| SBA Express Program | 19 |
- Heritage Family Credit Union made 19 SBA 7(a) loans totaling $1.7M in the 36 months ending September 30, 2026, net of cancelled approvals, in 1 state. SBA FOIA,
- 4 of them were in the 12 months to September 30, 2026, and 9 in the 12 months before. SBA FOIA,
- The typical loan was about $85K, with the middle half between $50K and $100K. SBA FOIA,
- The largest was about $260K. Every amount is rounded to 2 significant figures. SBA FOIA,
- 17 loans were under $150K, and 0 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 8.75% on 19 loans, with the middle half between 8.00% and 9.25%. SBA FOIA,
- The median term was 4 years. SBA FOIA,
- Its loans went most often to Full-Service Restaurants, with 3. SBA FOIA,
- The SBA file lists 19 of its loans as processed under SBA Express Program. SBA FOIA,
- Its loans were most often in Vermont (19). SBA FOIA,
What we don't know
- Whether Heritage Family Credit Union is taking new SBA 7(a) 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.
Loans are SBA approvals, net of cancelled approvals.
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.