Feasibility Study Data for the Jackson, WY-ID Micro Area

The Jackson record in brief

In Jackson, the SBA loan files record 141 loans over FY2017 to FY2026, totalling $75.4 million in gross approvals. Jackson ranks among the whole list of areas, on volume, at 388 of 928. The central half of Jackson approvals sits between $50,000 and $600,100, beside a midpoint of $163,000; and the median sits at 0.78x the national median. In Jackson the program mix is 124 loans in 7(a) and 17 in 504. Notably, the franchise figure for Jackson is withheld too, since too few loans support it, and that is not a finding of none.

Jackson: classes and counties

Beyond that, across the asset classes we show for Jackson, automotive mechanical repair is largest with 7 loans, ahead of full-service restaurant (6). Another 112 loans in Jackson sit outside every class. On the map, Teton County, WY leads with 82 loans, then Teton County, ID (59).

Jackson: institutions behind approvals

Lenders listed for Jackson stem from SBA's archived Jackson records of the 141 SBA loans in Jackson, carried at present or before; those records show every loan though offer nothing on what lenders require. Notably, for 7(a) lending in Jackson, SBA lists U.S. Bank, National Association at 36 loans and $13.6 million; next, Wells Fargo Bank National Association (17 loans, $2.4 million). Further, under 504 in Jackson, the list reads East-Central Idaho Development Company (6 loans, $2.6 million), ahead of Mountain West Small Business Finance at 5 loans and $4.9 million. An applicant in Jackson may ask the leading Jackson holder U.S. Bank, National Association or other Jackson holders near Teton County, WY which documents it wants, then write the Jackson study to satisfy it.

Jackson: outcomes and calendar

Among Jackson approvals from FY2017 through FY2024, at least 15.5% were cancelled after approval in Jackson, which is a floor; the full Jackson rate is no lower. Also, no charge-off rate for Jackson borrowers is not published on this page, as too few Jackson loans reached disbursement. That absence, in Teton County, WY, is never to be read as a spotless record. Notably, in the yearly line, Jackson crested in FY2025 at 29 loans and $8.7 million, and bottomed out in FY2023 at 8 loans and $4.5 million.

Jackson: what a study proves

In Jackson, demand comes first: who shops in Teton County, WY, who lives in Teton County, ID, how that compares with Jackson as a whole, and what gap the 7 automotive mechanical repair loans leave. Cost: $163,000 is the Jackson median and $50,000 to $600,100 the middle band, so a Teton County, WY site must price itself against that $163,000 marker. Repayment: Jackson debt service absorbs a slow year against plus the 15.5% cancellation rate and the charge-off rate for Jackson, which is also kept back because too few loans support it. The appraisal for Jackson must support the figure assumed. Jackson uses the July 2023 map; a file whose listed county has no match is excluded from each area, Jackson as well, though the totals cover loans not in any named class.