Feasibility Study Data for the Lake Havasu City-Kingman, AZ Metro Area

The Lake Havasu City-Kingman record in brief

In Lake Havasu City-Kingman, SBA's files list 411 approved loans over FY2017 to FY2026, totalling $317.7 million in gross approvals. Lake Havasu City-Kingman sits among every metro and micro area, on volume, at rank 189 of 928. The central half of Lake Havasu City-Kingman approvals spans $97,500 to $898,500, about a midpoint of $333,000; so the median stands at 1.60x the nationwide median. Split by program, Lake Havasu City-Kingman shows 338 loans under 7(a) against 73 in 504. Franchises make up 15.8% of the record.

Lake Havasu City-Kingman: who and where

Inside the named classes we count for Lake Havasu City-Kingman, full-service restaurant stands on top with 24 loans, then gas station and truck stop, 23 loans and hotel and motel (20). Also 253 loans in Lake Havasu City-Kingman belong to no named class. Worth noting, all the lending in Lake Havasu City-Kingman sits in Mohave County, AZ, at 411 loans, so a study around Lake Havasu City-Kingman a single-county exercise.

Lake Havasu City-Kingman: lenders on record

Holders shown for Lake Havasu City-Kingman are read from SBA's published Lake Havasu City-Kingman records of the 411 approved loans in Lake Havasu City-Kingman, by present or former holder; those records assign every loan and reveal nothing about how lenders underwrite. Also, for 7(a) lending in Lake Havasu City-Kingman, the leading holders are Arizona Financial Credit Union ($39.7 million across 59 loans), followed by Zions Bancorporation, National Association ($8.2 million across 37 loans). Among 504 loans in Lake Havasu City-Kingman, SBA names The Mortgage Capital Development Corporation (35 loans, $31.6 million); next, Arizona Capital Source, holding 14 loans worth $12.7 million. A borrower near Mohave County, AZ is free to ask the Lake Havasu City-Kingman holder Arizona Financial Credit Union or other Lake Havasu City-Kingman holders near Mohave County, AZ what paperwork it requires, then build the Lake Havasu City-Kingman study to answer it.

Lake Havasu City-Kingman: loss floors and years

Looking at Lake Havasu City-Kingman approvals from FY2017 to FY2024, not below 15.1% were cancelled after approval in Lake Havasu City-Kingman, a floor; the full Lake Havasu City-Kingman rate is no lower. Separately, the charge-off rate for lending in Lake Havasu City-Kingman is not shown on this page, given that too few Lake Havasu City-Kingman loans moved to disbursement. That omission, near Mohave County, AZ, is never to be read as an absence of loss. Besides, in the yearly line, Lake Havasu City-Kingman peaked in FY2025 at 58 loans and $28.6 million, and reached its trough in FY2020 at 31 loans and $22.2 million.

Lake Havasu City-Kingman: what a study tests

Around Mohave County, AZ, demand comes first: who passes in Mohave County, AZ, who commutes in, set against Lake Havasu City-Kingman as a whole, and what gap the 24 full-service restaurant loans leave. Budget: $333,000 is the Lake Havasu City-Kingman median and $97,500 to $898,500 where half of loans fall, so a Mohave County, AZ site must justify its budget against this $333,000 median. Then coverage: Lake Havasu City-Kingman cash flow withstands a slow year against with the 15.1% floor for cancellation plus the charge-off floor for Lake Havasu City-Kingman, which is also kept back for lack of loans. The Lake Havasu City-Kingman appraisal has to support the worth assumed. Lake Havasu City-Kingman applies the 2023 July area list; a loan whose county finds no place is absent from all areas, as in Lake Havasu City-Kingman, whereas the totals count loans apart from the named classes.