Tyler: volume, rank and loan size

For Tyler, SBA shows $227.7 million on 295 loans, FY2017 to FY2026. 245 of 928 is the Tyler place when areas are ordered by loans. Tyler loans center on $350,000, the median. For Tyler, the middle half lies at $150,000 to $992,000. The Tyler median sits at 1.68x nationally. Program mix for Tyler: 261 7(a), 34 504. 29.2% of the loans in Tyler carry a franchise brand. $227.7 million is the Tyler dollar total.

Tyler: which classes and counties lead

The busiest classes in Tyler are hotel and motel (16), fitness center (12), and limited-service restaurant (11). Next in Tyler comes gas station and truck stop at 10 loans. 177 loans in Tyler fit no class, so Tyler class patterns say less. SBA locates every Tyler loan in Smith County, TX, 295 in all.

Tyler: who holds the loans

SBA lists the current holder of each Tyler loan; the originator may differ. Tyler lists, for 7(a), The Huntington National Bank (32 loans, $18.1 million), Live Oak Banking Company (14 loans, $21.4 million), and Regions Bank (11 loans, $5.5 million). Tyler lists, for 504, Greater East Texas Certified Development Company with 20 loans ($21.2 million) and East Texas Regional Development Company, Inc. with 7 loans ($4.6 million). For a Tyler borrower, the rows are context only. No Tyler row promises approval anywhere.

Tyler: cancellations and charge-offs

Tyler cancellation, FY2017 to FY2024 approvals: 10.9%. It is a floor for Tyler. Tyler withholds a ceiling: Tyler loans are too few. 121 Tyler loans make the FY2017 to FY2021 cohort; 11.6% are charged off, a floor. Tyler withholds a five-year rate: Tyler loans are too few. A lender reading Tyler takes both rates as the least. Tyler history only grows. County names place the Tyler loans. For Tyler, the July 2023 list governs. Tyler omits loans with no county match. Tyler totals hold untracked-class loans too.

Tyler: the feasibility questions

Tyler volume ranged from 20 loans in FY2020 to 51 in FY2025, the latter for $40.2 million. FY2017 opened the Tyler series with 28 loans ($18.6 million). The latest year, FY2026, shows 42 loans and $42.9 million for Tyler. A Tyler study weighs local demand against Smith County, TX competitors, not national patterns. Tyler costs sit beside a $350,000 median. Tyler stands at 1.68x nationally. Coverage for Tyler is run on weaker income. Tyler floors shape that downside. Last for Tyler: value must support cost, by appraisal. Sponsor equity and reserves in Tyler are shown beside Smith County, TX costs. Beside Smith County, TX findings, the Tyler study lists what it could not test.

SBA loans in the Tyler, TX Metro Area

Loans approved, FY2017 to FY2026	295
Gross dollars approved	$227.7 million
Median loan	$350,000
Middle half of loans, from	$150,000
Middle half of loans, to	$992,000
SBA 7(a) loans	261
SBA 504 loans	34
Franchise share of loans	29.2%
Rank among metro and micro areas by loans	245 of 928
Median loan against the national median	1.68x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	10.9%
The same, counting loans still undisbursed as cancelled (a ceiling)	withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	11.6%
Charged off within five years of approval	withheld
Loans in that cohort	121

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 loans approved in the Tyler, TX Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	28	$18.6 million
FY2018	32	$22.8 million
FY2019	26	$11.4 million
FY2020	20	$12.4 million
FY2021	28	$31.3 million
FY2022	22	$17.9 million
FY2023	22	$19.1 million
FY2024	24	$11.2 million
FY2025	51	$40.2 million
FY2026	42	$42.9 million

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	177
Hotel and motel	16
Fitness center	12
Limited-service restaurant	11
Gas station and truck stop	10
Full-service restaurant	10
Coffee shop and snack bar	8
Automotive mechanical repair (car and truck)	7
Child care center	7
Dental office	6
Rehabilitation and therapy clinic	6
Beauty salon	5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Most active SBA lenders

SBA 504: lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Greater East Texas Certified Development Company	20	$21.2 million
East Texas Regional Development Company, Inc.	7	$4.6 million

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
The Huntington National Bank	32	$18.1 million
Live Oak Banking Company	14	$21.4 million
Regions Bank	11	$5.5 million
Newtek Bank, National Association	11	$2.1 million
Readycap Lending, LLC	10	$10.4 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
Smith County, TX	295

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.

All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.

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 MT-46340.

Related feasibility study pages

Worked examples

Worked Example: SBA 7(a) Flex-Serve Car Wash Feasibility Study in Texas

A worked example of the feasibility study a lender would read for a car wash project in Texas, financed with an SBA 7(a) loan.

State: Texas · Asset: Car wash · Program: SBA 7(a)

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Tyler, 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

Feasibility Study Data for the Tyler, TX Metro Area