Feasibility Study Data for the Gardnerville Ranchos, NV-CA Micro Area

What SBA's own loan files show about lending in the Gardnerville Ranchos, NV-CA Micro Area, every asset class together, and what a feasibility study for a project there has to test.

Gardnerville Ranchos at a glance

$83.6 million over 124 loans is the Gardnerville Ranchos total, FY2017 through FY2026. 422 of 928 is the Gardnerville Ranchos place when areas are ordered by loans. Gardnerville Ranchos loans center on $259,000, the median. Middle half in Gardnerville Ranchos: $100,000 to $723,750. The Gardnerville Ranchos median sits at 1.25x nationally. Gardnerville Ranchos splits into 107 loans under 7(a) and 17 under 504. Gardnerville Ranchos shows a franchise share of 11.3%. $83.6 million is the Gardnerville Ranchos dollar total.

Gardnerville Ranchos: which classes and counties lead

Dental office (8) tops Gardnerville Ranchos; rehabilitation and therapy clinic (6) and full-service restaurant (5) follow. The Gardnerville Ranchos record also holds 87 loans in no tracked class.

Gardnerville Ranchos: the lender side

Holders in Gardnerville Ranchos may not be the makers. Gardnerville Ranchos lists, for 7(a), 22 loans at U.S. Bank, National Association ($3.6 million), 9 loans at Zions Bancorporation, National Association ($7.8 million), and 8 loans at Newtek Bank, National Association ($1.5 million). Among Gardnerville Ranchos 504 holders: Nevada State Development Corporation (12 loans, $15.7 million). For a Gardnerville Ranchos borrower, these rows give background only. No Gardnerville Ranchos row states a holder's terms.

Gardnerville Ranchos: outcome rates and data limits

Gardnerville Ranchos cancellation, FY2017 to FY2024 approvals: 13.6%. It is a floor for Gardnerville Ranchos. Treating undisbursed Gardnerville Ranchos loans as cancelled gives 13.6%, the ceiling. A rate needs more Gardnerville Ranchos disbursed loans. Gardnerville Ranchos charge-offs are withheld, not zero. Treat Gardnerville Ranchos rates as floors. Later events lift them, Gardnerville Ranchos included. County names place the Gardnerville Ranchos loans. For Gardnerville Ranchos, the July 2023 list governs. Gardnerville Ranchos omits loans with no county match. Gardnerville Ranchos totals hold untracked-class loans too.

Gardnerville Ranchos: what a study has to test

The Gardnerville Ranchos trend peaks in FY2026 with 20 loans ($13.3 million) and bottoms in FY2021 with 5 ($4.6 million). FY2017 opened the Gardnerville Ranchos series with 16 loans ($4.7 million). FY2026 closes the Gardnerville Ranchos series at 20 loans, $13.3 million. In Gardnerville Ranchos, demand testing starts with Gardnerville Ranchos and the businesses already serving it. The Gardnerville Ranchos median is $259,000. Set Gardnerville Ranchos budgets beside it; nationally it is 1.25x. Gardnerville Ranchos debt service gets a rate shock. The Gardnerville Ranchos floors above explain the caution. Gardnerville Ranchos appraisal evidence comes from area sales. Gardnerville Ranchos income evidence sits beside it. Absorption near Gardnerville Ranchos is tested for Gardnerville Ranchos on a slow case. Beside Gardnerville Ranchos findings, the Gardnerville Ranchos study lists what it could not test.

SBA loans in the Gardnerville Ranchos, NV-CA Micro Area

Loans approved, FY2017 to FY2026124
Gross dollars approved$83.6 million
Median loan$259,000
Middle half of loans, from$100,000
Middle half of loans, to$723,750
SBA 7(a) loans107
SBA 504 loans17
Franchise share of loans11.3%
Rank among metro and micro areas by loans422 of 928
Median loan against the national median1.25x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)13.6%
The same, counting loans still undisbursed as cancelled (a ceiling)13.6%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA loans approved in the Gardnerville Ranchos, NV-CA Micro Area, by fiscal year

05101520FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026Loans, FY2017: 16Loans, FY2018: 17Loans, FY2019: 11Loans, FY2020: 7Loans, FY2021: 5Loans, FY2022: 9Loans, FY2023: 10Loans, FY2024: 13Loans, FY2025: 16Loans, FY2026: 20
Fiscal yearLoansDollars
FY201716$4.7 million
FY201817$10.3 million
FY201911$5.7 million
FY20207$10.9 million
FY20215$4.6 million
FY20229$6.5 million
FY202310$7.1 million
FY202413$7.5 million
FY202516$12.9 million
FY202620$13.3 million

Loans by asset class

Asset classLoans
Not in any of the 39 asset classes87
Dental office8
Rehabilitation and therapy clinic6
Full-service restaurant5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Most active SBA lenders

SBA 504: lenders by loans approved (the current holder of each loan, as SBA reports it)
LenderLoansDollars
Nevada State Development Corporation12$15.7 million
SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
LenderLoansDollars
U.S. Bank, National Association22$3.6 million
Wells Fargo Bank National Association16$7.6 million
Zions Bancorporation, National Association9$7.8 million
Newtek Bank, National Association8$1.5 million
BayFirst National Bank5$935,000

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MT-23820.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Gardnerville Ranchos, NV-CA Micro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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