Dental Office Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area

Dallas: $240.0 million in dental office loans

SBA's loan files show 280 approved dental office loans in Dallas from FY2017 through FY2026, $240.0 million in gross dollars. Sizes center near $572,500, and half of them sit between $200,000 and $1.1 million. The ratio to the national median for dental office is 1.13x, so Dallas loans run above the national middle.

Where Dallas stands, 9 of 39 in class

7(a) outnumbers the other program in Dallas, 273 7(a) loans to 7 504 loans. Loan Analytics withholds the franchise share for dental office in Dallas, on too few loans. Nationally Dallas stands 3 of 562 for dental office loans, while in the area the class is 9 of 39 among classes. 1.32x is the Dallas-Fort Worth-Arlington quotient: the class is denser in Dallas than nationwide. Dallas County, TX tops the county list at 91 loans; Collin County, TX follows with 63, then Tarrant County, TX with 52.

Who holds the 280 Dallas loans

Annual loans peak in FY2017 at 43 ($29.0 million) and bottom out in FY2020 at 15 ($22.2 million). Dallas 7(a) holdings are led by 36 loans and $50.7 million at Live Oak Banking Company; 20 loans and $13.2 million at Wells Fargo Bank National Association; 19 loans and $18.0 million at The Huntington National Bank. Live Oak Banking Company's 36 loans and $50.7 million reflect SBA's holder field alone and say nothing about lending standards. The Dallas-Fort Worth-Arlington cancellation floor is 12.9%, while Loan Analytics withholds its ceiling, and that is not zero. Charge-offs reach at least 3.8% of 130 loans in the FY2017 to FY2021 disbursed cohort, a floor that rises as loans age; Loan Analytics withholds the five-year rate.

The Dallas study: demand, cost, coverage, appraisal at $1.1 million

A Dallas study starts with patient panel growth, the mix of procedures offered and nearby practices; the 280-loan record cannot sit in for them. The Dallas-Fort Worth-Arlington build or purchase has to absorb operatory buildout, a ramp to full chair use and clinical equipment, and Dallas, TX figures should replace national rules of thumb. Coverage in Dallas-Fort Worth-Arlington is tested at $572,500, $200,000 and $1.1 million alike, since the file spans that range. The appraiser tests Dallas collateral too, namely practice goodwill, the real estate and operatory buildout; a Dallas, TX study anticipates each. The 280 loans give the study a frame, yet any single Dallas approval depends on its own project and lender.

How to read Dallas's $240.0 million

The project county puts each of Dallas, TX's 280 loans in the area. The July 2023 delineation puts Dallas County, TX inside Dallas, TX, with each county matched by name. The cancellation floor covers FY2017 to FY2024 approvals for Dallas; charge-offs cover FY2017 to FY2021 disbursements.