# Mountain America Credit Union SBA loans in Idaho **Short answer:** SBA's loan file shows Mountain America Credit Union made 59 SBA loans in Idaho since October 2023. 37.3% went to startups, against 19.2% of its loans nationally. The lender made 3.4% of Idaho's SBA loans, against 0.32% of loans nationwide. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/mountain-america-credit-union/idaho/ Data as of: 2026-06-30 This site is not Mountain America Credit Union sbaexpress.loans is not Mountain America Credit Union, and Mountain America Credit Union did not provide, review or pay for this page. Janover Capital LLC runs this site. Every figure on this page comes from SBA's public 7(a) loan file, not from Mountain America Credit Union. These are the 59 SBA 7(a) loans [Mountain America Credit Union](https://www.sbaexpress.loans/sba-express-lenders/mountain-america-credit-union/) made in [Idaho](https://www.sbaexpress.loans/idaho-small-business-loans/) approved October 2023 to June 2026. Each figure is set against all of its loans in the U.S. over the same period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what the lender has done and not what it will do for you. ## How Mountain America Credit Union differs in Idaho **What this means for you.** If yours is a new business, Mountain America Credit Union funded startups more often here than it did elsewhere. ### Startups 37.3% of the loans in Idaho went to startups, where the loan opens the business, against 19.2% of its loans nationally. Startups (the loan opens the business), share of loans, Oct 2023 to Jun 2026 - Idaho: 37.3% - All its U.S. loans: 19.2% ### Share of the state's loans Mountain America Credit Union made 3.4% of the SBA loans approved in Idaho since October 2023, against 0.32% of loans nationwide. Its share here is 10.5 times its national share. Share of all SBA loans, Oct 2023 to Jun 2026 - Idaho: 3.4% - All its U.S. loans: 0.32% We compared 9 measures with the national figure for the same period, and these are the 2 that differ clearly. The table compares every measure. ## Idaho next to the U.S. **Idaho compared with all of Mountain America Credit Union's U.S. loans, October 2023 to June 2026** | Measure | Idaho | All its U.S. loans | Reading | | --- | --- | --- | --- | | Lender's share of all SBA loans | 3.4% | 0.32% | Clearly higher | | Median loan | $50,000 | $85,000 | No clear gap | | Middle half of loans | $25,000 to $197,000 | $25,000 to $422,000 | – | | Startups (the loan opens the business) | 37.3% | 19.2% | Clearly higher | | In business 2 years or less | 18.6% | 18.2% | No clear gap | | In business more than 2 years | 44.1% | 60.7% | No clear gap | | Change of ownership | 0.0% | 1.9% | No clear gap | | SBA Express | 57.6% | 53.6% | No clear gap | | Lines of credit | 57.6% | 53.4% | No clear gap | | Median term | 7 years | 7 years | – | | Median spread over Prime at approval | 6 points over Prime | 2 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## What Mountain America Credit Union lends to in Idaho The industry below accounts for 5 of the 59 loans approved October 2023 to June 2026, or 8.5%. An industry is listed when it has 5 or more of them, five at most. **Top industries in Idaho** | Industry | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [Full-Service Restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/) | 5 | 8.5% | 3.1% | Share here is the industry's share of the lender's loans in this state. U.S. share is its share of all the lender's loans nationally. Not in top 5 means it is not one of the lender's five most common industries. ## Other lenders in Idaho Other lenders in Idaho with a clear difference from the national pattern, most loans first. **Other lenders in Idaho** | Lender | Loans since October 2019 | | --- | --- | | [Zions Bank](https://www.sbaexpress.loans/sba-express-lenders/zions-bank/idaho/) | 461 | | [Columbia Bank (Roseburg, OR)](https://www.sbaexpress.loans/sba-express-lenders/columbia-bank/idaho/) | 237 | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/idaho/) | 96 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. A lender's past loans do not describe its current credit policy. Location is the borrower's address in the file. Loans are those approved October 1, 2023 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)