How Jackson ranks for hotel

Jackson, MS stands 47 of 807 among metro and micro areas, recording 38 SBA approvals in FY2017 through FY2026 worth $78.7 million. Jackson's hotel share of loans is 2.03x the share seen nationally: Jackson leans toward the class. Inside Jackson, the class ranks 2 of 39, a strong local line. Each Jackson project county is in MS.

In Jackson, the median loan is $1.8 million, and the central loans span $1.4 million to $2.6 million. That median is 0.84x the median nationally for the class, so Jackson borrowers take smaller loans. By program, Jackson shows 38 SBA 7(a) loans against 0 SBA 504 loans, shaping each request. A 504 loan in Jackson finances buildings and machinery. In Jackson, franchised loans make up 84.2% of the class, a read on branding. Jackson lenders will see it as background.

Hotel lenders in Jackson

Under 7(a) in Jackson, SBA names as holders Peoples Bank (MS): 13 loans, $22.7 million. No 504 holder is listed for Jackson. Jackson rows are SBA records. Jackson lenders hold or held these loans. Jackson figures show files, not conduct. Nothing in Jackson shows what a lender will ask. Across Jackson counties, Hinds County, MS leads with 21 loans, followed by Rankin County, MS (7).

SBA prints these yearly approvals for Jackson: 6 loans and $12.0 million in FY2018. FY2017 and FY2019 through FY2026 are held back for Jackson on thin counts, and Jackson blanks say nothing about activity. The Jackson cancellation floor is withheld. Thin Jackson cohorts leave no floor to print. For Jackson, no charge-off floor is printed. Jackson's thin cohort stays unpublished. Every Jackson figure follows the July 2023 delineation, with Jackson loans placed by project county, and Jackson omits unmatched counties. Hotels and motels share one code in Jackson, so limited-service or full service projects are indistinguishable in these counts.

What a Jackson hotel study must prove

Jackson treats hotel figures as background; a study decides. In Jackson, we start by examining occupancy and rate from named demand. A Jackson study begins by testing the weakest quarter of the year. Jackson borrowers should expect the study to document reserves for furniture and replacement. Lenders in Jackson will look for construction cost and time to first revenue. Jackson reviewers will check debt service coverage at that low point. Jackson work runs demand, cost, coverage, value. Jackson lenders receive a file to examine.

SBA hotel and motel loans in the Jackson, MS Metro Area

Loans approved, FY2017 to FY2026	38
Gross dollars approved	$78.7 million
Median loan	$1.8 million
Middle half of loans, from	$1.4 million
Middle half of loans, to	$2.6 million
SBA 7(a) loans	38
SBA 504 loans	0
Franchise share of loans	84.2%
Rank among metro and micro areas for hotel and motel loans	47 of 807
Rank of hotel and motel among the classes in this area	2 of 39
Location quotient (share of loans against the national share)	2.03x
Median loan against the national median for the class	0.84x

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 Jackson, MS Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	withheld	withheld
FY2018	6	$12.0 million
FY2019	withheld	withheld
FY2020	withheld	withheld
FY2021	withheld	withheld
FY2022	withheld	withheld
FY2023	withheld	withheld
FY2024	withheld	withheld
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
Peoples Bank (MS)	13	$22.7 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
Hinds County, MS	21
Rankin County, MS	7

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-27140-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 Jackson, 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 Jackson, MS Metro Area