McAllen-Edinburg-Mission: full-service restaurant lending

Across McAllen-Edinburg-Mission, during FY2017 to FY2026, SBA logged 33 full-service restaurant loans, worth $12.7 million of gross dollars approved. Inside McAllen-Edinburg-Mission, full-service restaurant lending comes in at 1 of 39 in the local class table; McAllen-Edinburg-Mission sits at 142 of 821 across every metro and micro area for full-service restaurant loans. McAllen-Edinburg-Mission shows 0.99x on the location quotient, near parity. The median loan in McAllen-Edinburg-Mission comes to $270,000. The middle half of McAllen-Edinburg-Mission loans runs from $94,700 to $561,200, and the median is 0.98x the class median nationally. Every ratio sits close to 1 (0.99x for the location quotient and 0.98x for the median), so the restaurant record in McAllen-Edinburg-Mission resembles the national picture closely. Full-service dining is first among the asset classes, and the franchise share of 21.2% leaves most units independent.

Neither program count appears for McAllen-Edinburg-Mission, because Loan Analytics withholds numbers that rest on so few loans. Franchise-affiliated units account for 21.2% of the McAllen-Edinburg-Mission loans. Among lenders named for McAllen-Edinburg-Mission 6 SBA 7(a) loans worth $2.3 million are held by Greater State Bank, and the SBA 7(a) table lists Vantage Bank Texas at $1.9 million over 6 loans. McAllen-Edinburg-Mission's lender rows show present holders only. McAllen-Edinburg-Mission applicants gain no evidence of bank credit policy here. All 33 loans sit in Hidalgo County, TX.

McAllen-Edinburg-Mission: years, floors and limits

McAllen-Edinburg-Mission gives a short run of years: FY2019 has 6 loans worth $2.4 million; FY2024 has 5 loans valued at $1.0 million. In FY2021, McAllen-Edinburg-Mission has 0 loans and $0. McAllen-Edinburg-Mission's withheld years are: FY2017, FY2018, FY2020, FY2022, FY2023, FY2025 and FY2026. Those McAllen-Edinburg-Mission years are never zeros. A cancellation rate for McAllen-Edinburg-Mission: withheld, under 30 loans. The McAllen-Edinburg-Mission charge-off rate: not given, short of 30 loans in the cohort. McAllen-Edinburg-Mission uses Loan Analytics' own cut-off. McAllen-Edinburg-Mission has a short FY2017 to FY2021 group. McAllen-Edinburg-Mission is drawn on the 2023 July list. McAllen-Edinburg-Mission sorts each loan by county. McAllen-Edinburg-Mission leaves out unmatched loans.

McAllen-Edinburg-Mission: what to test

For a McAllen-Edinburg-Mission restaurant, the study cannot lean on an unusual local pattern, because this record shows none; it has to win on the specifics of the site. That means the trade area and traffic at the address, a menu and seating plan that the sales forecast can support, and a build-out cost near the middle of $94,700 to $561,200. Debt service should be covered at a cautious level of covers, and the appraisal will look to the income the dining room has actually earned or can credibly earn.

SBA full-service restaurant loans in the McAllen-Edinburg-Mission, TX Metro Area

Loans approved, FY2017 to FY2026	33
Gross dollars approved	$12.7 million
Median loan	$270,000
Middle half of loans, from	$94,700
Middle half of loans, to	$561,200
SBA 7(a) loans	withheld
SBA 504 loans	withheld
Franchise share of loans	21.2%
Rank among metro and micro areas for full-service restaurant loans	142 of 821
Rank of full-service restaurant among the classes in this area	1 of 39
Location quotient (share of loans against the national share)	0.99x
Median loan against the national median for the class	0.98x

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 full-service restaurant loans approved in the McAllen-Edinburg-Mission, TX Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	withheld	withheld
FY2018	withheld	withheld
FY2019	6	$2.4 million
FY2020	withheld	withheld
FY2021	0	$0
FY2022	withheld	withheld
FY2023	withheld	withheld
FY2024	5	$1.0 million
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
Greater State Bank	6	$2.3 million
Vantage Bank Texas	6	$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
Hidalgo County, TX	33

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-32580-C34.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a full-service restaurant project in the McAllen-Edinburg-Mission, TX 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

Restaurant Feasibility Study in the McAllen-Edinburg-Mission, TX Metro Area