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SBA loans to hotels in Mississippi: lenders, volume and loan sizes

Compiled by Matthews Hotel Markets · Last updated: September 18, 2026 · SBA data as of June 30, 2026

From FY2021 to FY2025, SBA approved 71 loans to hotels and motels in Mississippi for $162.7 million: 63 under 7(a) and 8 under 504, per SBA loan-level data as of June 30, 2026. That is 1.3% of the 5,298 SBA hotel loans approved nationally in those years, which ranks Mississippi 26th of 53 states and territories by loan count. In FY2025 alone, Mississippi had 14 SBA hotel loans. GBank is named on the most 7(a) hotel loans in Mississippi from FY2023 to FY2025: 8.

What stands out in Mississippi

  • The 504 program makes up 11.3% of SBA hotel loans in Mississippi from FY2021 to FY2025, versus 26.8% nationally. The rest are 7(a) loans.
  • The median 7(a) hotel loan in Mississippi was $1.95 million, 18.8% below the national median of $2.40 million for the same years. The median 504 debenture was $1.77 million, 16.6% below the national $2.12 million.
  • 16 different lenders are named on the 34 7(a) hotel loans in Mississippi from FY2023 to FY2025. The five with the most loans account for 58.8% of them.
  • SBA hotel lending in Mississippi peaked in FY2019 with 21 loans. FY2025 had 14.
  • FY2026 is a partial year in this release. Through June 30, 2026, SBA had approved 12 hotel loans in Mississippi.

What is counted. A loan counts toward Mississippi when SBA reports Mississippi as the project state, which is where the hotel is, not where the lender or borrower is based. Where SBA left the project state blank, the borrower state is used. Hotels means NAICS 721110, and cancelled loans are excluded. Dollar figures, averages and medians are withheld in any cell with fewer than three loans, because they would describe a single loan. The full method is on the national page. SBA loans to hotels, national figures and methodology

Mississippi against the national figures

All figures cover FY2021 to FY2025, the five most recent full SBA fiscal years. For 7(a), loan size is the full loan. For 504 it is the SBA/CDC debenture only, so the hotel project behind it is larger.

SBA hotel lending in Mississippi and the United States, FY2021 to FY2025
MeasureMississippiUnited States
SBA hotel loans715,298
7(a) loans633,879
504 loans81,419
504 share of loans11.3%26.8%
Gross approval, both programs$162.7 million$13.41 billion
Median 7(a) loan$1.95 million$2.40 million
Average 7(a) loan$2.26 million$2.58 million
Median 504 debenture$1.77 million$2.12 million
Average 504 debenture$2.50 million$2.39 million
Share of national SBA hotel loans1.3%100.0%
Share of national gross approval1.2%100.0%
Rank among states and territories, by loans26th of 53n/a

SBA hotel loans in Mississippi by fiscal year

Approvals by SBA fiscal year, which ends September 30 and is named for the year it ends in. For 504, gross approval is the SBA/CDC debenture only. "Withheld" marks a year and program with one or two loans in Mississippi.

SBA hotel loans approved in Mississippi by fiscal year, 7(a) and 504, FY2010 to FY2026Grouped bar chart. FY2010: 7(a) 8, 504 3. FY2011: 7(a) 6, 504 1. FY2012: 7(a) 5, 504 4. FY2013: 7(a) 4, 504 3. FY2014: 7(a) 5, 504 1. FY2015: 7(a) 10, 504 0. FY2016: 7(a) 7, 504 0. FY2017: 7(a) 11, 504 1. FY2018: 7(a) 12, 504 1. FY2019: 7(a) 20, 504 1. FY2020: 7(a) 14, 504 0. FY2021: 7(a) 17, 504 0. FY2022: 7(a) 12, 504 0. FY2023: 7(a) 11, 504 2. FY2024: 7(a) 13, 504 2. FY2025: 7(a) 10, 504 4. FY2026 (partial): 7(a) 11, 504 1.05101520'10'11'12'13'14'15'16'17'1820'19'20'21'22'23'2410'25'26partial7(a) loans504 loansSBA fiscal year of approval
Number of SBA loans to hotels in Mississippi by fiscal year of approval, NAICS 721110, cancelled loans excluded. FY2026 covers October 1, 2025 to June 30, 2026 only. The same counts are in the table below.
SBA hotel loan approvals in Mississippi by fiscal year and program
Fiscal year7(a) loans7(a) gross approval504 loans504 gross approvalAll SBA hotel loans
FY2026 (partial)11$28.7M1Withheld12
FY202510$15.5M4$9.1M14
FY202413$32.6M2Withheld15
FY202311$29.8M2Withheld13
FY202212$27.4M0$012
FY202117$37.3M0$017
FY202014$27.0M0$014
FY201920$41.3M1Withheld21
FY201812$25.4M1Withheld13
FY201711$17.4M1Withheld12
FY20167$8.1M0$07
FY201510$23.2M0$010
FY20145$6.5M1Withheld6
FY20134$3.9M3$8.5M7
FY20125$4.1M4$6.6M9
FY20116$13.1M1Withheld7
FY20108$8.6M3$6.1M11

Top SBA hotel lenders in Mississippi, FY2023 to FY2025

Lenders and certified development companies are ranked by the number of hotel loans in Mississippi from FY2023 to FY2025, the three most recent full fiscal years, using names exactly as SBA reports them. SBA defines the 7(a) name as the bank the loan is currently assigned to. Lenders with the same count are ordered by dollars. A ranking here is a count of public records. It is not a recommendation, and Matthews Hotel Markets has no arrangement with any lender on it.

7(a) lenders with the most hotel loans in Mississippi

34 7(a) hotel loans in Mississippi from FY2023 to FY2025, from 16 different lenders. GBank is named on the most 7(a) hotel loans in Mississippi from FY2023 to FY2025: 8.

Top 7(a) hotel lenders in Mississippi by loan count, FY2023 to FY2025
Rank7(a) lender, as SBA reports itHotel loansShare of the state's loans in this programGross approval
1GBank823.5%$22.2M
2Peoples Bank617.6%$10.9M
3Readycap Lending, LLC25.9%Withheld
4Customers Bank25.9%Withheld
5First Western SBLC, LLC25.9%Withheld
6Commonwealth Business Bank25.9%Withheld
7Wallis Bank25.9%Withheld
8American Bank25.9%Withheld
9Farmers State Bank of Alto Pass, Illinois12.9%Withheld
10SouthPoint Bank12.9%Withheld

504 certified development companies with the most hotel loans in Mississippi

8 504 hotel loans in Mississippi from FY2023 to FY2025, through 3 different CDCs. Three Rivers Local Development Company, Inc. is named on the most 504 hotel loans in Mississippi from FY2023 to FY2025: 5.

Top 504 CDCs for hotels in Mississippi by loan count, FY2023 to FY2025
Rank504 CDC, as SBA reports itHotel loansShare of the state's loans in this programGross approval
1Three Rivers Local Development Company, Inc.562.5%$15.7M
2Central Mississippi Development Company, Inc.225.0%Withheld
3Brightbridge, Inc.112.5%Withheld

How big are SBA hotel loans in Mississippi?

Loan size by gross approval, FY2021 to FY2025. The most common 7(a) hotel loan size in Mississippi is $1.0 million to $1.99 million, with 33.3% of loans, against 23.7% nationally in the same band. 9.5% of Mississippi's 7(a) hotel loans are in the top band, at the $5 million 7(a) limit, against 12.9% nationally. Bands show loan counts only.

SBA hotel loan size distribution in Mississippi and nationally, FY2021 to FY2025
Gross approval7(a) loans in MississippiShare in MississippiShare nationally, 7(a)504 loans in MississippiShare in Mississippi, 504Share nationally, 504
Under $350,00011.6%5.6%00.0%3.0%
$350,000 to $999,9991117.5%11.8%112.5%18.6%
$1.0 million to $1.99 million2133.3%23.7%450.0%25.2%
$2.0 million to $3.49 million1727.0%28.7%112.5%28.6%
$3.5 million to $4.99 million711.1%17.3%225.0%16.1%
$5.0 million and over69.5%12.9%00.0%8.5%

Methodology

These figures are the Mississippi slice of our national compilation of SBA's "7(a) & 504 FOIA" loan-level files, as of June 30, 2026. The source files, the definitions, the caveats (approvals are not disbursements, NAICS codes are self-reported, lender names are not merged) and the reconciliation are on the national page, along with JSON and CSV downloads that include every state. SBA loans to hotels, national figures and methodology

Cite as

SBA's underlying loan data is a U.S. government work in the public domain. This compilation is published under CC BY 4.0. Cite SBA for the raw data and this page for the state aggregates. License: CC BY 4.0

Matthews Hotel Markets. "SBA loans to hotels in Mississippi: lenders, volume and loan sizes." https://matthewshotelmarkets.com/data/sba-hotel-lending/mississippi. SBA data as of 2026-06-30. Last updated 2026-09-18.

Sources

  1. 7(a) & 504 FOIA dataset · U.S. Small Business Administration · files as of June 30, 2026; read September 18, 2026
  2. 7(a) and 504 FOIA Data Dictionary · U.S. Small Business Administration · defines GrossApproval, LoanStatus, BankName and the other fields used here; read September 18, 2026
  3. Dataset record for SBA-OHA-2016-08-001 (license, update frequency, file list) · U.S. Small Business Administration · read September 18, 2026
  4. 7(a) loans (maximum loan amount) · U.S. Small Business Administration · read September 18, 2026

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SBA hotel lending in other states

Every state with at least 25 SBA hotel loans from FY2021 to FY2025 has a page. The number in brackets is that state's loan count for those years.