Feasibility Study Data for the San Angelo, TX Metro Area

San Angelo, TX: volume and loan size, median $232,700

San Angelo stands 382 of 928 by loans, drawing 144 SBA approvals over FY2017 to FY2026, $99.6 million gross. In San Angelo, $232,700 is the median loan, 1.12x the national median. Half of San Angelo loans sit between $90,300 and $632,775, larger tickets than the national norm in San Angelo. Lenders working San Angelo see tickets from $90,300 to $632,775 most often. A San Angelo study should place its project inside that $90,300 to $632,775 range in San Angelo.

In San Angelo, SBA 7(a) carries 128 loans and SBA 504 carries 16. In San Angelo, franchise brands account for 20.1% of the loans. In San Angelo, leading classes: hotel and motel with 11, full-service restaurant with 10 and limited-service in San Angelo restaurant with 7. Another 93 approvals fall in no named class, so San Angelo totals 144 loans, more than its classes combined in San Angelo.

San Angelo: holders of SBA loans in San Angelo, TX

In San Angelo, lender lines come from SBA's listing of loans each institution owns or owned, per the note, and carry no judgment of lenders. San Angelo holders should be read in San Angelo that way in San Angelo. Heading the San Angelo SBA 7(a) list: The First National Bank of Ballinger with 35 loans worth $5.8 million; Wells Fargo Bank National in San Angelo Association with 15 loans worth $4.7 million; Northeast Bank (ME) with 11 loans worth $2.1 million. The San Angelo SBA 504 side shows Capital Certified Development Corporation with 9 loans worth $6.2 million. In San Angelo, concentration among top holders says little. A San Angelo study should stand on evidence alone in San Angelo.

Among San Angelo approvals of FY2017 to FY2024, 9.4% were cancelled after approval, a floor. One more San Angelo figure, a ceiling treating loans not yet disbursed as cancelled remains hidden, nothing guessed for San Angelo. San Angelo charge-offs to date, for the disbursed class in San Angelo of FY2017 to FY2021 is held back in San Angelo, the cohort is small; we leave San Angelo blank and do not call it zero. San Angelo trend: the busiest year is FY2018, at 21 loans. Files place a loan in San Angelo using a project's county, from the file by the July 2023 delineation, meaning the loan whose county fails to match is left out of every area. The 144 loans in San Angelo, TX include those in no named class in San Angelo.

San Angelo: what a project study must test, per San Angelo, TX

The San Angelo test begins with demand. Measure the trade area around the proposed site in San Angelo, not a metropolitan area, so timing may slip, for San Angelo. After demand, San Angelo cost. Lenders fund a $232,700 median here, so every line item wants a source in San Angelo, and an honest San Angelo contingency. Coverage of debt service is the San Angelo test. Calculate coverage at the loan size next to a in San Angelo case with softer income, letting a San Angelo lender see the margin. The San Angelo appraisal is the final gate: so the study's value logic has to be defensible in San Angelo. In San Angelo, 144 loans spread over many neighbourhoods, and a San Angelo study must say which it targets. With the median at 1.12x the national level, a smaller San Angelo project may look unusual in San Angelo. The study should explain its sizing for San Angelo against $232,700.