Feasibility Study Data for the Longview, TX Metro Area

Longview, TX: what the SBA record contains for Longview

SBA approved 259 loans across the Longview, TX metro area over FY2017 to FY2026, for $258.1 million gross. Longview holds rank 266 of 928 against every other statistical area, Longview among them. Loan size centers on $432,000, and the central half fall from $150,000 up to $1.3 million. Longview borrowers borrow more, at 2.08x of the national median. Large Longview tickets are the first thing that sets Longview apart.

Longview, TX: program mix and lender names serving Longview

The metro area shows 237 loans under 7(a), against 22 under 504; in Longview, 7(a) carries the larger proportion. Loans tied to franchise systems make up 22.4%. On the 7(a) Longview side, The Huntington National Bank leads with 38 loans and $28.1 million. Second place is Midwest Regional Bank: 10 loans, $5.4 million. 10 loans sit with Austin Bank Texas National Association, and Newtek Bank, National Association at 9. On 504, Greater East Texas Certified Development Company comes first: 11 loans, $6.1 million. These are SBA's records of Longview loans held or once held. The Longview line for The Huntington National Bank appears for the Longview loans SBA assigns to it; no row describes how Midwest Regional Bank treats borrowers.

Longview, TX: which classes and counties lead Longview

The larger share of the Longview record falls outside the class table: 161 loans filed under other codes. In Longview, the rows below are a partial view. Among tracked classes, gas station and truck stop leads with 32 loans, then hotel and motel with 22 and full-service restaurant with 8. Further down sit dental office, 6 loans and child care center at 5. The county table starts with Gregg County, TX at 154 loans, followed by Harrison County, TX with 49, with Upshur County, TX third at 32. Demand differs between these counties, so the Longview figure hides some spread.

Longview, TX: how to read Longview cancellations and charge-offs

A minimum of 9.8% of Longview approvals made in FY2017 to FY2024 not funded; the upper bound, treating undisbursed loans as cancelled, is also 9.8%. No charge-off rate is shown for Longview: fewer than 30 funded loans stand behind it, so nothing is printed, and silence is not a claim of zero. FY2026 was the high point: 43 loans worth $52.2 million, and the quietest Longview year before FY2026 was FY2019, at 12 loans and $9.0 million. Longview is built from project counties such as Gregg County, TX. Then the 2023 Longview delineation of statistical areas draws the threshold, so a loan from an unmatched Longview county appears nowhere.

Longview: demand, cost, coverage and appraisal in Longview, TX

A study for a Longview project should be designed for the project's own Longview county, given how unlike its Longview counties can be. Reading the Longview table from the top, gas station and truck stop comes first, and it has to examine the thin fuel margin and lottery, food and c-store mix, then tank and environmental liability. For hotel and motel, the next Longview class in Longview, the questions are corporate and leisure demand mix and the pipeline of new rooms. Debt service coverage in Longview needs to rest up to a slow season; the appraisal has to rest on local Longview comparables and earnings. With larger tickets common in Longview, the analysis should tie the amount to cost and Longview cash flow, not to local habit.