Behavioral Health Feasibility Study in Texas

Texas in the behavioral health record

On state rank Texas is 7 of 52 for treatment loans, yet the class holds just 25 of 39 positions in Texas, and the location quotient of 0.63x shows it takes a smaller share of Texas approvals than it does of the national mix. The FY2017 to FY2026 record, a complete ten-year span, shows 55 loans for $37.9 million. The median loan of $290,000 is 0.97x the nationwide median, and the central band runs $100,500 to $722,500. For a lender, the Texas picture is one of a mid-sized loan count spread across the state, and the area table below shows how those loans divide between counties.

Programs, brands and lenders

SBA 7(a) accounts for 53 loans and SBA 504 for only 2. Franchise affiliation reaches 25.5% of loans. The Huntington National Bank currently holds 11 loans but only $1.7 million in total, a small average, while Newtek Bank, National Association holds 6 loans worth $6.3 million. Lenders here are the current holders of the loans as SBA reports them. Harris County has 8 loans, Bexar and Travis 6 each, and Collin, Dallas and Tarrant 4 each. The shared code means that behavioral health and addiction treatment cannot be split, so the two competitor topics appear together.

Cancellation and the withheld charge-off rate

The cancellation floor is 15.4% of approvals made through FY2024 that lapsed before closing, with an identical 15.4% once undisbursed loans are counted. The floor and the ceiling agree, so the figure does not depend on how undisbursed loans are treated. Charge-off stays unquoted because the funded FY2017 to FY2021 set is below 30 loans, which is Loan Analytics' own presentation rule for withholding a rate, and a blank is never zero. A Texas lender should therefore read the cancellation figure as the main pre-closing signal in this cell, and weigh licensing, property control and staffing questions in the study itself rather than assume them from the data.

Questions for a Texas study

A Texas study should settle which services the project will offer, the licensing path with the state and local authorities, and the payer mix, including how much revenue depends on public programs. It should map competing facilities across the proposed service area, which can be wide in Texas, and set staffing against realistic salaries. Debt service coverage needs a conservative census or caseload and a delay allowance for licensure. The appraisal should consider whether the real estate could serve another use. Loan Analytics publishes these approved-loan records so the study author, borrower and lender begin from the same facts.