Warner Robins: the size of the record

$188.0 million over 202 loans is the Warner Robins total for FY2017 through FY2026. Ranked by loans, Warner Robins stands 309 of 928 among all areas. Half the Warner Robins loans are $423,000 or smaller. Warner Robins loans in the middle half run $150,000 to $1.1 million. Against the national median, Warner Robins comes to 2.03x. Program mix for Warner Robins: 156 7(a), 46 504. Warner Robins shows a franchise share of 31.7%. Warner Robins dollars add to $188.0 million.

Warner Robins: asset mix and geography

Limited-service restaurant (18) tops Warner Robins; hotel and motel (13) and full-service restaurant (13) follow. Next in Warner Robins comes fitness center at 8 loans. 108 Warner Robins loans sit in no tracked class. SBA assigns Warner Robins loans mostly to Houston County, GA (165) and Peach County, GA (37).

Warner Robins: who holds the loans

In Warner Robins, a holder can differ from the first holder. Warner Robins lists, for 7(a), Pinnacle Bank (TN) with 17 loans ($12.5 million) and The Huntington National Bank with 17 loans ($10.0 million). Among Warner Robins 504 holders: 23 loans at Florida Business Development Corporation ($21.9 million) and 17 loans at Capital Partners Certified Development Company ($21.1 million). For a Warner Robins borrower, these rows give background only. No Warner Robins row promises approval anywhere.

Warner Robins: cancellations and charge-offs

A floor of 12.2% describes Warner Robins cancellations on FY2017 to FY2024 approvals. The Warner Robins ceiling is 15.5%, counting undisbursed loans as cancelled. With a small cohort, Loan Analytics withholds the Warner Robins charge-off rate. Withheld is not zero, and Warner Robins is not clean. Treat Warner Robins rates as floors. Later events lift them, Warner Robins included. County names place the Warner Robins loans. The July 2023 delineation defines Warner Robins. Warner Robins omits loans with no county match. Warner Robins totals hold untracked-class loans too.

Warner Robins: study points

Warner Robins approvals were thinnest in FY2020 (8 loans, $11.8 million) and heaviest in FY2025 (31 loans, $37.1 million). FY2017 opened the Warner Robins series with 12 loans ($10.3 million). FY2026 closes the Warner Robins series at 23 loans, $16.9 million. In Warner Robins, demand testing starts with Houston County, GA and the businesses already serving it. The Warner Robins median is $423,000. Set Warner Robins budgets beside it; nationally it is 2.03x. A Warner Robins study runs coverage on a slow ramp. Warner Robins history of cancellations argues for it. Warner Robins value is tested against cost by appraisal. Warner Robins comparables decide how. Absorption near Houston County, GA is tested for Warner Robins on a slow case. Beside Houston County, GA findings, the Warner Robins study lists what it could not test.

SBA loans in the Warner Robins, GA Metro Area

Loans approved, FY2017 to FY2026	202
Gross dollars approved	$188.0 million
Median loan	$423,000
Middle half of loans, from	$150,000
Middle half of loans, to	$1.1 million
SBA 7(a) loans	156
SBA 504 loans	46
Franchise share of loans	31.7%
Rank among metro and micro areas by loans	309 of 928
Median loan against the national median	2.03x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	12.2%
The same, counting loans still undisbursed as cancelled (a ceiling)	15.5%
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 loans approved in the Warner Robins, GA Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	12	$10.3 million
FY2018	21	$9.8 million
FY2019	21	$18.5 million
FY2020	8	$11.8 million
FY2021	17	$10.9 million
FY2022	21	$18.9 million
FY2023	26	$28.9 million
FY2024	22	$25.0 million
FY2025	31	$37.1 million
FY2026	23	$16.9 million

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	108
Limited-service restaurant	18
Hotel and motel	13
Full-service restaurant	13
Fitness center	8
Coffee shop and snack bar	7
Car wash	6

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
Florida Business Development Corporation	23	$21.9 million
Capital Partners Certified Development Company	17	$21.1 million

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Pinnacle Bank (TN)	17	$12.5 million
The Huntington National Bank	17	$10.0 million
Wells Fargo Bank National Association	13	$2.0 million
Newtek Bank, National Association	11	$11.8 million
Truist Bank	9	$3.0 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
Houston County, GA	165
Peach County, GA	37

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-47580.

Related feasibility study pages

Worked examples

Worked Example: USDA B&I Hotel Acquisition Feasibility Study in Georgia

A worked example of the feasibility study a lender would read for a hotel project in Georgia, financed with a USDA Business and Industry guaranteed loan.

State: Georgia · Asset: Hotel · Program: USDA Business and Industry

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Warner Robins, GA 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 Warner Robins, GA Metro Area