Hotels in Pueblo County

Pueblo, CO is covered by a single county in these files: Pueblo County holds all 25 of its hotel and motel loans for FY2017 through FY2026, which carry $62.7 million. Hotels hold the top place among the metro's 39 classes, and the location quotient of 5.82x is by far the strongest concentration this page can report: lodging counts for a multiple of its national share in lending here. Against other areas the metro stands 93 of 807. The $2.6 million median is 1.22x the typical national hotel loan, while half of the loans sit between $1.4 million and $3.5 million. Because the metro rests on one county, every figure here describes a single local market and not a region. We do not call any of this distinctive.

Flags and holder

A heavy 80.0% of the loans carry a franchise affiliation. PromiseOne Bank holds 5 loans worth $15.3 million in SBA's records of current holders, and the entry says nothing about the bank's approach. FY2019 prints 5 loans and $9.2 million and FY2023 has no loans on record: 0 loans, $0. The remaining years are too thin to show, none of them a zero, and no program split appears.

Rates withheld

Pueblo County's FY2017 to FY2021 hotel loans number under 30, which keeps both outcome rates off the page under Loan Analytics' own rule. A reader should treat the large location quotient as a description of the loan record, not as evidence that demand for rooms is strong.

What a Pueblo hotel study must test

When one class dominates a metro's lending, a study must not assume that demand follows. It needs occupancy and rate evidence from the real competitors, demand drivers named from local sources, seasonality and room-level cost, and then a debt service run through the weakest quarter. Heavy brand affiliation means fees and property improvement plans belong in the test. Lodging has one code, which hides any line between limited-service and full-service hotels. A request toward the $3.5 million upper end should explain its size, and the appraisal's income approach has to match the forecast.

SBA hotel and motel loans in the Pueblo, CO Metro Area

Loans approved, FY2017 to FY2026	25
Gross dollars approved	$62.7 million
Median loan	$2.6 million
Middle half of loans, from	$1.4 million
Middle half of loans, to	$3.5 million
SBA 7(a) loans	withheld
SBA 504 loans	withheld
Franchise share of loans	80.0%
Rank among metro and micro areas for hotel and motel loans	93 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)	5.82x
Median loan against the national median for the class	1.22x

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 Pueblo, CO Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	withheld	withheld
FY2018	withheld	withheld
FY2019	5	$9.2 million
FY2020	withheld	withheld
FY2021	withheld	withheld
FY2022	withheld	withheld
FY2023	0	$0
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
PromiseOne Bank	5	$15.3 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
Pueblo County, CO	25

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-39380-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 Pueblo, CO 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 Pueblo, CO Metro Area