{"citation":"Heritage Family FCU SBA loans. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/heritage-family-fcu/ Source: SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026 (https://data.sba.gov/dataset/7a-504-foia).","url":"https://www.sbaexpress.loans/sba-express-lenders/heritage-family-fcu/","title":"Heritage Family FCU SBA loans","data_as_of":"2026-06-30","checked":null,"sources":[{"label":"SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026","url":"https://data.sba.gov/dataset/7a-504-foia"},{"label":"13 CFR § 120.214(d)","url":"https://www.ecfr.gov/current/title-13/section-120.214"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"SOP 50 10 8.1, Sec. B, Ch. 2, Para. C.2 (Para. C begins p. 127)","url":"https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx"},{"label":"NCUA credit union call report data (headquarters and website)","url":"https://ncua.gov/analysis/credit-union-corporate-call-report-data"}],"data":{"lender":{"name":"Heritage Family FCU","legal_name":"Heritage Family FCU","type":"credit union","headquarters_city":"Rutland","headquarters_state":"VT","fdic_certificate":null,"ncua_charter":24742,"regulator_status":"active","website":"https://www.hfcuvt.com","rank_by_loans":null,"lenders_ranked":807},"window":{"id":"all","from":"2019-10-01","to":"2026-06-30"},"loans":63,"dollars_approved":6769700,"median_loan":72500,"loan_25th_percentile":40000,"loan_75th_percentile":123000,"median_term_months":60,"median_starting_rate_pct":8.75,"median_starting_rate_window":{"id":"recent","from":"2023-10-01","to":"2026-06-30"},"median_spread_over_prime_points":0.88,"sba_express_share_pct":100.0,"line_of_credit_share_pct":30.2,"loans_by_size":{"$50,000 or less":27,"$50,001 to $150,000":25,"$150,001 to $350,000":9,"$350,001 to $500,000":null,"$500,001 to $1,000,000":null,"$1,000,001 to $2,000,000":0,"Over $2,000,000":0},"loans_by_business_age":{"In business more than 2 years":18,"In business 2 years or less":21,"Startup: the loan opens the business":15,"Change of ownership":8,"Not answered":null},"top_states":{"Vermont":60},"top_industries":{"Full-Service Restaurants":8},"loans_by_fiscal_year":{"2020":null,"2021":7,"2022":14,"2023":20,"2024":6,"2025":9,"2026":null},"charge_offs":{"loans_approved_in":"FY2020 to FY2022","loans":25,"charged_off_pct_of_loans":null,"charged_off_pct_of_dollars":null},"all_lenders":{"median_loan":200000,"median_spread_over_prime_points":2.6,"sba_express_share_pct":38.5,"line_of_credit_share_pct":27.2,"charged_off_pct_of_loans":3.6},"note":"Null means fewer than 5 loans. Loans SBA approved only: the file has no denials."}}