Medical Office Feasibility Study in the San Diego-Chula Vista-Carlsbad, CA Metro Area
What SBA's own loan files show about medical office (physicians) lending in the San Diego-Chula Vista-Carlsbad, CA Metro Area, and what a feasibility study for a project there has to test.
San Diego: medical office
San Diego drew 121 medical office loans worth $93.4 million between FY2017 and FY2026. San Diego places 16 of 488 nationally for the class on 121 loans; in San Diego, the class takes 6 of 39. In San Diego, a quotient of 1.29x makes the class far more common. San Diego is told apart by rank and a 1.29x quotient, not by size at $367,000.
$367,000 is typical in San Diego, in a middle half $150,000 to $1.0 million; against the national median that is 1.07x, a little above it. San Diego lending ran 95 through 7(a) against 26 through 504. 0.00% of 121 San Diego loans are franchised.
San Diego's 7(a) table, 10 loans through Wells Fargo Bank National Association, $15.0 million; 9 through First-Citizens Bank & Trust Company, $9.4 million; 8 through BayFirst National Bank, $1.9 million; 7 through JPMorgan Chase Bank, National Association, $2.4 million; 7 through Zions Bancorporation, National Association, $1.9 million. San Diego's 504 table, 7 loans through The Mortgage Capital Development Corporation, $8.0 million; 7 through California Statewide Certified Development Corporation, $4.5 million. San Diego: unnamed holders have under 5 loans. 121 loans in San Diego, by county: San Diego County, CA 121.
Cancellations in San Diego and charge-offs
In San Diego, cancellations took 13.8% or more of San Diego's FY2017 to FY2024 approvals. San Diego: undisbursed-loan ceiling withheld, not zero. San Diego withholds charge-off floor, not zero. San Diego floors rise as loans age. Of San Diego's 121 loans, the high year held 24 in FY2017 and the low year 5 in FY2022; FY2026 shows 11 loans and $8.3 million. Yearly loan counts for San Diego: FY2017 24, FY2018 6, FY2019 11, FY2020 12, FY2021 15, FY2022 5, FY2023 9, FY2024 12, FY2025 16, FY2026 11. Dollars by year: FY2017 $15.8 million, FY2018 $5.0 million, FY2019 $5.8 million, FY2020 $15.8 million, FY2021 $16.1 million, FY2022 $5.0 million, FY2023 $4.6 million, FY2024 $7.4 million, FY2025 $9.5 million, FY2026 $8.3 million.
San Diego: testing the project
San Diego: facing slow collections, debt service holds with $93.4 million approved. For 121 loans in San Diego, imaging costs outside $150,000 to $1.0 million need cases. For 121 approvals in San Diego, appraisers separate owner from leased. San Diego saw approvals run from 5 in FY2022 to 24 in FY2017; for San Diego, plan for departures. San Diego's quotient, 1.29x: count rivals by access. Across 121 loans, signed practice referrals in San Diego carries $367,000.
121 loans fall in San Diego by project county. San Diego follows July 2023 delineation by county. San Diego leaves out unplaceable counties. No census here: 121 loans give San Diego a guide only.
SBA medical office (physicians) loans in the San Diego-Chula Vista-Carlsbad, CA Metro Area
| Loans approved, FY2017 to FY2026 | 121 |
|---|---|
| Gross dollars approved | $93.4 million |
| Median loan | $367,000 |
| Middle half of loans, from | $150,000 |
| Middle half of loans, to | $1.0 million |
| SBA 7(a) loans | 95 |
| SBA 504 loans | 26 |
| Franchise share of loans | 0.00% |
| Rank among metro and micro areas for medical office (physicians) loans | 16 of 488 |
| Rank of medical office (physicians) among the classes in this area | 6 of 39 |
| Location quotient (share of loans against the national share) | 1.29x |
| Median loan against the national median for the class | 1.07x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 13.8% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| 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 medical office (physicians) loans approved in the San Diego-Chula Vista-Carlsbad, CA Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 24 | $15.8 million |
| FY2018 | 6 | $5.0 million |
| FY2019 | 11 | $5.8 million |
| FY2020 | 12 | $15.8 million |
| FY2021 | 15 | $16.1 million |
| FY2022 | 5 | $5.0 million |
| FY2023 | 9 | $4.6 million |
| FY2024 | 12 | $7.4 million |
| FY2025 | 16 | $9.5 million |
| FY2026 | 11 | $8.3 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| The Mortgage Capital Development Corporation | 7 | $8.0 million |
| California Statewide Certified Development Corporation | 7 | $4.5 million |
| Lender | Loans | Dollars |
|---|---|---|
| Wells Fargo Bank National Association | 10 | $15.0 million |
| First-Citizens Bank & Trust Company | 9 | $9.4 million |
| BayFirst National Bank | 8 | $1.9 million |
| JPMorgan Chase Bank, National Association | 7 | $2.4 million |
| Zions Bancorporation, National Association | 7 | $1.9 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 |
|---|---|
| San Diego County, CA | 121 |
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.
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-41740-C32.
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