Feasibility Study Data for the Austin-Round Rock-San Marcos, TX Metro Area

Large loans and a franchise-heavy book

Austin-Round Rock-San Marcos logs 5,302 loans worth $3.59 billion, FY2017 through FY2026, and ranks 27 of 928. Its loan sizes stand out: the $325,000 median comes to 1.56x what the nation shows, and the loans in the centre of the distribution begin at $125,000 and end at $750,000. Franchising is also important, at 18.4% of loans. SBA 7(a) accounts for 4,809 approvals and SBA 504 for 493, so the typical Austin file is a franchise or service business borrowing against a larger project than a typical American small-business loan.

Of the total, 3,720 loans are outside every tracked class. Among the named ones, full-service restaurant leads with 266 loans, then limited-service restaurant at 168, fitness center at 158 and child care center at 139. Data center appears with 27 loans and school with 22, a tail of specialised uses. Travis County, TX holds 3,043 loans, Williamson County, TX 1,572 and Hays County, TX 516, with Bastrop County, TX at 123 and Caldwell County, TX at 48.

Who holds them

These holders are as SBA lists them, the institution of record for each loan today; the page makes no claim about their underwriting. Under 7(a), The Huntington National Bank holds 378 loans worth $200.2 million, Wells Fargo Bank National Association 363, JPMorgan Chase Bank, National Association 245, PNC Bank, National Association 216 and Northeast Bank (ME) 191. Capital Certified Development Corporation dominates 504 with 320 loans and $402.4 million, far ahead of Texas Certified Development Company, Inc. at 78 and LiftFund, Inc. at 49.

Looking at approvals dated FY2017 through FY2024, 10.6% or more ended in cancellation, and 11.6% if loans that never disbursed join the tally. The charge-off figure is the notable one: for the 2,096 loans funded out of FY2017 to FY2021 approvals, 7.2% are already charged off and 4.3% were charged off inside five years, both minimums. A lender reading this table will see a loss floor that a new request has to answer. Volume rose from 392 loans in FY2020 to 826 loans and $553.1 million in FY2025.

What Austin demands of a study

A study for an Austin project has to prove that demand holds at the larger ticket, test construction cost for the specific site, size debt service for a charge-off floor of this height, and support the appraisal. Counties are assigned per the July 2023 delineation, hence a loan from an unplaceable county is absent from this page. We write for lenders and borrowers and give no assurance of approval.