A buddy today asked me how many sub panels are allowed in a residential setting? Obviously your not gonna install 3 100 amp subs on a 200 amp main loaded to the max, but just curious on a code reference.
You could (depending on your definition of "loaded"), and there isn't one.
You could load up your main panel with sub-panel feeds and it's perfectly okay. Many larger buildings are wired that way. A house is just a smaller building in this regard.