Hotel in Mobile: the loan record

Mobile gets 30 loans approved for hotel, $67.6 million gross, from FY2017 to FY2026. On hotel, Mobile stands 67 of 807 among ranked areas. Within Mobile, hotel is 1 of 39. Mobile has a quotient of 3.79x, hotel above the national share.

Mobile: loan size and franchise

Loan size in Mobile centres on $1.9 million, and its middle half runs between $1.3 million and $3.3 million. Mobile loans sit at 0.87x of the national class median. In Mobile, borrowers draw smaller loans than nationally. Mobile has 25 loans under 7(a). Mobile has 5 under 504. Mobile finances fixed assets through 504. In Mobile, 7(a) is the broader program. Mobile's split shows its financing mix. Mobile prints no franchise share. Too few Mobile loans support one. Mobile shows a smaller median. Mobile projects were modest in scale. In Mobile, budget comparisons should note it.

Mobile holders and counties

Mobile lists no lender. Hotel holders in Mobile are many. Mobile borrowers lead with the study itself. Mobile puts all 30 loans under Mobile County, AL.

Mobile years and hotel coding limits

Mobile prints only these fiscal years. In FY2017, Mobile had 5 loans worth $8.9 million. In FY2019, Mobile had 5 loans worth $7.2 million. In FY2022, Mobile had 6 loans worth $12.1 million. Other Mobile years are withheld. Thin counts leave Mobile totals unknown. In Mobile, no blank is a zero, and Mobile treats FY2026 as complete. Mobile floors follow Loan Analytics' own rule. That Mobile cohort holds fewer than 30 loans. The Mobile cohort covers FY2017 to FY2021 disbursements. So Mobile prints no cancellation floor. So Mobile prints no charge-off floor. Mobile blanks are no zero. Mobile blanks are no clean book. Each Mobile rate is a floor. Mobile borders come from the July 2023 list. Mobile places each loan by project county. Mobile drops loans with unplaceable counties. Mobile note: Mobile counts treat a hotel and a motel alike, with no service level shown.

Mobile: testing a hotel project

Mobile treats $1.3 million to $3.3 million as the range to explain in Mobile. A Mobile hotel study checks how the room count, parking and meeting space fit the site's zoning and lot size. In Mobile, we would test labor per occupied room, because housekeeping and front desk wages scale with occupancy only in part. A Mobile lender will want franchise fees, reservation fees and brand standards modeled against RevPAR. Daniel Smith, MAI, signs every Mobile hotel study. For Mobile, demand and cost are tested. In Mobile, coverage and value are tested. Mobile borrowers are promised no approval here.

SBA hotel and motel loans in the Mobile, AL Metro Area

Loans approved, FY2017 to FY2026	30
Gross dollars approved	$67.6 million
Median loan	$1.9 million
Middle half of loans, from	$1.3 million
Middle half of loans, to	$3.3 million
SBA 7(a) loans	25
SBA 504 loans	5
Franchise share of loans	withheld
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)	3.79x
Median loan against the national median for the class	0.87x

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 Mobile, AL Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	5	$8.9 million
FY2018	withheld	withheld
FY2019	5	$7.2 million
FY2020	withheld	withheld
FY2021	withheld	withheld
FY2022	6	$12.1 million
FY2023	withheld	withheld
FY2024	withheld	withheld
FY2025	withheld	withheld
FY2026	withheld	withheld

Where the loans are, by county

County	Loans
Mobile County, AL	30

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-33660-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 Mobile, AL 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 Mobile, AL Metro Area