Feasibility Study Data for the Roseburg, OR Micro Area

Roseburg in the SBA loan record

Roseburg, OR logged 153 SBA approvals in FY2017 to FY2026, worth $88.9 million in gross dollars. Roseburg ranks as a mid-table area, 368 of 928 by loan count. Roseburg is read whole in Roseburg, OR, every class counted. A slice of OR is not how Roseburg is treated.

Roseburg: half of loans run $50,000 to $766,000, around a median of $182,000. Outside data makes Roseburg requests look heavy; at 0.88x, Roseburg is below the national level. In Roseburg, OR the 7(a) count is 141 and the 504 count is 12, which puts 7(a) ahead in Roseburg. Roseburg franchise loans reach 10.5%, so brand standards often shape a Roseburg request there.

Roseburg: classes, places and lenders

Roseburg: hotel and motel (14 loans); full-service restaurant (6 loans); limited-service restaurant (6 loans); gas station and truck stop (5 loans) head the tracked-class list. Roseburg also holds 100 loans outside every tracked class; Roseburg small business lending shows here. Roseburg counts by county run 153 loans in Douglas County, OR; a Roseburg study should say which it covers. Columbia Bank (OR) ($9.9 million, 34 loans); U.S. Bank, National Association ($2.4 million, 24 loans); Banner Bank ($2.9 million, 20 loans) lead 7(a) lending in Roseburg. Roseburg 504 leaders: C.C.D. Business Development Corporation ($2.8 million, 6 loans), in that order. Columbia Bank (OR), with 34 loans, tops the Roseburg rows, each an SBA record of Roseburg loans held or once held; none judges Roseburg lenders.

Roseburg, between FY2017 (17 loans) and FY2026 (26), peaked at 26 in FY2026 and bottomed at 6 in FY2022. Roseburg cancellations stand at 15.0%, a floor, for Roseburg approvals in FY2017 to FY2024; Roseburg's ceiling is withheld, never zero in Roseburg. A charge-off floor for Roseburg would rest on a thin cohort of 153 loans, so Roseburg withholds it; withheld is not zero. Roseburg, OR membership follows the July 2023 delineation; Roseburg counties are matched by name, and a Roseburg loan with no match is dropped, so 153 is a floor, and every Roseburg rate is too.

Roseburg: the study questions

Any Roseburg study defines its Roseburg trade area first, since lending in Douglas County, OR differs from lending across Roseburg, OR. If a Roseburg concept resembles hotel and motel, Roseburg offers size and lender precedent; other Roseburg concepts must rest on their own Roseburg evidence. Test Roseburg coverage of debt service on a $182,000 loan, and on a $766,000 loan, after pricing Roseburg costs from bids. Roseburg is micropolitan: a Roseburg appraisal with few sales should state plainly how far it searched around Roseburg, OR. Nothing printed for Roseburg predicts approval; each Roseburg lender still reviews a study.