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SBA 7(a) record
United Credit Union, St Joseph, MI: SBA 7(a) loans made
United Credit Union, St Joseph, MI, a credit union based in St Joseph, MI, made 104 SBA 7(a) loans in the 36 months ending September 30, 2026, $130.3M in all, net of cancelled approvals. The typical loan was about $960K, and 50 were in the last 12 months. Most were in Michigan.
- 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
- 104
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $130M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $960K
- SBA FOIA,
- Largest loan
- $5M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 50
- SBA FOIA,
Cite this
Source: The Lender Report, United Credit Union, St Joseph, MI: SBA 7(a) loans made, https://lender.report/lender/united-credit-union-mi/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 |
|---|---|---|---|---|---|---|---|
| Sep 2026 | North Carolina | SBA 7(a), Machine Shops | $2.9M | 8.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Virginia | SBA 7(a), Hotels (except Casino Hotels) and Motels | $2.1M | 8.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Michigan | SBA 7(a), Limited-Service Restaurants | $2M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2026 | Nevada | SBA 7(a), Insurance Agencies and Brokerages | $1.1M | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | New Jersey | SBA 7(a), Child Care Services | $1M | 9% | 25 yr | SBA FOIA | |
| Sep 2026 | Michigan | SBA 7(a), Beer, Wine, and Liquor Retailers | $900K | 9.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Michigan | SBA 7(a), Beer, Wine, and Liquor Retailers | $760K | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Illinois | SBA 7(a), Private Mail Centers | $550K | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | North Carolina | SBA 7(a), Wholesale Trade | $510K | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Michigan | SBA 7(a), Limited-Service Restaurants | $400K | 2.75% | 10 yr | SBA FOIA | |
| Aug 2026 | Utah | SBA 7(a), Remediation Services | $2.8M | 9.5% | 10 yr | SBA FOIA | |
| Aug 2026 | Maryland | SBA 7(a), Health Care and Social Assistance | $2.6M | 9.5% | 10 yr | SBA FOIA | |
| Aug 2026 | Ohio | SBA 7(a), Gasoline Stations with Convenience Stores | $1.1M | 9.5% | 25 yr | SBA FOIA | |
| Aug 2026 | Michigan | SBA 7(a), Beer, Wine, and Liquor Retailers | $980K | 9.25% | 25 yr | SBA FOIA | |
| Aug 2026 | North Carolina | SBA 7(a), Machine Shops | $150K | 8.5% | 10 yr | SBA FOIA | |
| Jul 2026 | Florida | SBA 7(a), Special Needs Transportation | $1.6M | 9.5% | 10 yr | SBA FOIA | |
| Jul 2026 | Michigan | SBA 7(a), Limited-Service Restaurants | $490K | 8.75% | 25 yr | SBA FOIA | |
| Jul 2026 | Indiana | SBA 7(a), Landscaping Services | $50K | 9.5% | 7 yr | SBA FOIA | |
| Jun 2026 | Indiana | SBA 7(a), Pet Care (except Veterinary) Services | $5M | 7.75% | 25 yr | SBA FOIA | |
| Jun 2026 | South Carolina | SBA 7(a), Beauty Salons | $1.3M | 8% | 25 yr | SBA FOIA | |
| Jun 2026 | Florida | SBA 7(a), Beer, Wine, and Liquor Retailers | $550K | 9.5% | 10 yr | SBA FOIA | |
| Jun 2026 | Michigan | SBA 7(a), Landscaping Services | $170K | 9.75% | 10 yr | SBA FOIA | |
| May 2026 | Michigan | SBA 7(a), Beer, Wine, and Liquor Retailers | $1.2M | 9.5% | 25 yr | SBA FOIA | |
| May 2026 | Oregon | SBA 7(a), Services for the Elderly and Persons with Disabilities | $320K | 9.75% | 10 yr | SBA FOIA | |
| Apr 2026 | North Carolina | SBA 7(a), Offices of Chiropractors | $1.2M | 9.5% | 25 yr | SBA FOIA | |
| 104 SBA 7(a) loans since October 2023, net of cancelled | $130M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| Michigan | 45 | $41.0M |
| North Carolina | 11 | $17.3M |
| Florida | 7 | $5.04M |
| Nevada | 5 | $3.20M |
| Texas | 5 | $11.9M |
| Indiana | 4 | $6.20M |
| Ohio | 4 | $3.62M |
| Virginia | 4 | $8.90M |
| New Jersey | 3 | $3.07M |
| South Carolina | 3 | $6.70M |
| Pennsylvania | 2 | $5.37M |
| Utah | 2 | $3.33M |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 1 | $50.0K |
| $150K to $350K | 14 | $3.56M |
| $350K to $1M | 40 | $26.1M |
| $1M to $2.5M | 36 | $52.8M |
| $2.5M or more | 13 | $47.7M |
| Quarter | Loans | Dollars |
|---|---|---|
| 2023 Q4 | 1 | $300K |
| 2024 Q4 | 7 | $8.68M |
| 2025 Q1 | 13 | $16.1M |
| 2025 Q2 | 16 | $22.9M |
| 2025 Q3 | 17 | $21.6M |
| 2025 Q4 | 7 | $10.1M |
| 2026 Q1 | 14 | $16.6M |
| 2026 Q2 | 11 | $11.9M |
| 2026 Q3 | 18 | $22.0M |
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 |
|---|---|
| Beer, Wine, and Liquor Retailers (445320) | 24 |
| Hotels (except Casino Hotels) and Motels (721110) | 11 |
| Limited-Service Restaurants (722513) | 11 |
| Landscaping Services (561730) | 5 |
| Full-Service Restaurants (722511) | 4 |
| Gasoline Stations with Convenience Stores (457110) | 4 |
| Private Mail Centers (561431) | 3 |
| Supermarkets and Other Grocery Retailers (except Convenience Retailers) (445110) | 3 |
| Agriculture, Forestry, Fishing and Hunting | 2 |
| Child Care Services (624410) | 2 |
| Drycleaning and Laundry Services (except Coin-Operated) (812320) | 2 |
| Finance and Insurance | 2 |
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 |
|---|---|
| Preferred Lenders Program | 72 |
| 7a General | 27 |
| SBA Express Program | 4 |
| International Trade Loans | 1 |
- United Credit Union, St Joseph, MI made 104 SBA 7(a) loans totaling $130.3M in the 36 months ending September 30, 2026, net of cancelled approvals, in 20 states. SBA FOIA,
- 50 of them were in the 12 months to September 30, 2026, and 53 in the 12 months before. SBA FOIA,
- The typical loan was about $960K, with the middle half between $530K and $1.6M. SBA FOIA,
- The largest was about $5M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 1 loan was under $150K, and 49 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 9.50% on 104 loans, with the middle half between 9.00% and 9.75%. SBA FOIA,
- The median term was 25 years. SBA FOIA,
- Its loans went most often to Beer, Wine, and Liquor Retailers, with 24. SBA FOIA,
- The SBA file lists 72 of its loans as processed under Preferred Lenders Program. SBA FOIA,
- Its loans were most often in Michigan (45), North Carolina (11) and Florida (7). SBA FOIA,
What we don't know
- Whether United Credit Union, St Joseph, MI 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.