The Gulfport-Biloxi picture for hotels and motels

Gulfport-Biloxi lending leans heavily toward lodging: hotels and motels rank first among its 39 classes, with a location quotient of 4.26x, while loan size stays close to the national median, at 0.97x. For hotels and motels, the Gulfport-Biloxi, MS total is 30 loans and $74.2 million over FY2017 to FY2026. Among Gulfport-Biloxi classes it ranks 1 of 39; against areas nationwide, Gulfport-Biloxi, MS ranks 67 of 807. The Gulfport-Biloxi location quotient of 4.26x puts hotels and motels above their national share of loans. A median of $2.1 million sits at 0.97x of the class median nationally; the typical Gulfport-Biloxi loan mirrors it.

Half of all Gulfport-Biloxi loans fall inside a band from $1.7 million up to $3.2 million. A project needing much more than $3.2 million would sit outside the usual Gulfport-Biloxi band. Loan Analytics withholds program counts for Gulfport-Biloxi, and none is shown as zero. The Gulfport-Biloxi franchise share of loans is 73.3%. Hold the amount beside $2.1 million. Expect $1.7 million to $3.2 million as the usual range. Name the brand path early. Program choice is left to the study. The lodging code is a single bucket; service level cannot be split out of it.

Gulfport-Biloxi: holders, places and years

The SBA 7(a) holder list names GBank, 12 loans and $30.5 million. These are holders of record. It offers no reading of any approach. Place by place, Jackson County, MS holds 15. Volumes print for FY2018, 0 loans at $0, FY2019, 5 loans at $10.8 million, FY2023, 6 loans at $20.2 million and FY2024, 5 loans at $14.7 million. Other fiscal years stay hidden. The counts behind them are small. It does not mean no loans. So few years rule out a trend. The Gulfport-Biloxi record is a lender's yardstick. It cannot stand in for feasibility work.

Underwriting a hotel or motel in Gulfport-Biloxi

Charge-off and cancellation rates: none for Gulfport-Biloxi. The cohort has too few loans. The page has no loss measures. Boundaries come from the 2023 rules. Loans are placed by project county. Name decides the match. Unmatched loans appear in no area. $74.2 million over 30 loans is the Gulfport-Biloxi backdrop. No total replaces the project. The study behind a hotel or motel loan request in Gulfport-Biloxi should test the brand decision and its terms; construction or purchase cost set beside the $2.1 million median loan; weekday and weekend room demand; room demand at the needed rate; reserve funding for replacements; room revenue cushion above debt service; the competing supply near the site; parking and access to the property; and value as a lodging business. Nothing here predicts a new Gulfport-Biloxi hotel or motel outcome. The study has to make its case.

SBA hotel and motel loans in the Gulfport-Biloxi, MS Metro Area

Loans approved, FY2017 to FY2026	30
Gross dollars approved	$74.2 million
Median loan	$2.1 million
Middle half of loans, from	$1.7 million
Middle half of loans, to	$3.2 million
SBA 7(a) loans	withheld
SBA 504 loans	withheld
Franchise share of loans	73.3%
Rank among metro and micro areas for hotel and motel loans	67 of 807
Rank of hotel and motel among the classes in this area	1 of 39
Location quotient (share of loans against the national share)	4.26x
Median loan against the national median for the class	0.97x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	not reported: fewer than 30 loans in the cohort
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 hotel and motel loans approved in the Gulfport-Biloxi, MS Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	withheld	withheld
FY2018	0	$0
FY2019	5	$10.8 million
FY2020	withheld	withheld
FY2021	withheld	withheld
FY2022	withheld	withheld
FY2023	6	$20.2 million
FY2024	5	$14.7 million
FY2025	withheld	withheld
FY2026	withheld	withheld

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
GBank	12	$30.5 million

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.

Where the loans are, by county

County	Loans
Jackson County, MS	15

Counties with 5 or more loans; smaller ones are not listed.

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.

One code for hotels and motels; limited service and full service cannot be separated.

Shared code: Hotels and motels share 721110.

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 MA-25060-C07.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a hotel and motel project in the Gulfport-Biloxi, MS Metro 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.

Daniel Smith, MAI

Hotel Feasibility Study in the Gulfport-Biloxi, MS Metro Area