Best SBA lenders
Best SBA lenders in Texas
The most active SBA lenders in Texas, ranked from every 7(a) and 504 loan in the SBA's public record, FY2010-2026. PNC Bank, National Association leads with 7,487 loans funded.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026, as of 2026-03-31
Top SBA lenders in Texas
The full Texas ranking, by SBA loans funded since FY2010. Every figure is in-state: each lender's loans, dollars, average loan size, and 7(a) charge-off rate cover its Texas lending only, not its national book. A charge-off rate appears only when a lender has at least 20 funded 7(a) loans in Texas; below that line, and on 504-only lending, it reads “not reported,” never 0%.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | PNC Bank, National Association | 7,487 | $1.6B | $209K | 8.04% |
| 2 | Wells Fargo Bank National Association | 6,537 | $1.8B | $272K | 7.47% |
| 3 | JPMorgan Chase Bank, National Association | 5,959 | $1.4B | $231K | 5.86% |
| 4 | The Huntington National Bank | 3,446 | $2.2B | $640K | 3.11% |
| 5 | Capital Certified Development Corporation | 1,851 | $2.0B | $1.1M | 3.06% |
| 6 | Live Oak Banking Company | 1,731 | $2.4B | $1.4M | 1.27% |
| 7 | Northeast Bank | 1,356 | $240.5M | $177K | 2.36% |
| 8 | Celtic Bank Corporation | 1,302 | $840.8M | $646K | 10.14% |
| 9 | BayFirst National Bank | 1,232 | $247.9M | $201K | 8.20% |
| 10 | Zions Bank, A Division of | 1,224 | $472.8M | $386K | 5.07% |
| 11 | Frost Bank | 1,221 | $561.6M | $460K | 3.11% |
| 12 | Simmons Bank | 1,188 | $587.2M | $494K | 10.02% |
| 13 | LiftFund, Inc. | 1,185 | $798.9M | $674K | 5.81% |
| 14 | Newtek Bank, National Association | 1,174 | $501.1M | $427K | 0.09% |
| 15 | Wallis Bank | 1,116 | $1.4B | $1.3M | 2.78% |
| 16 | Fifth Third Bank | 1,086 | $598.2M | $551K | 2.49% |
| 17 | Readycap Lending, LLC | 1,030 | $607.0M | $589K | 1.75% |
| 18 | United Midwest Savings Bank National Association | 950 | $278.1M | $293K | 10.32% |
| 19 | SouthState Bank, National Association | 939 | $650.7M | $693K | 2.24% |
| 20 | North Texas Certified Development Corporation | 792 | $863.5M | $1.1M | not reported |
| 21 | Bank of Hope | 758 | $653.7M | $862K | 4.75% |
| 22 | Greater East Texas Certified Development Company | 713 | $890.8M | $1.2M | not reported |
| 23 | PlainsCapital Bank | 704 | $451.6M | $641K | 2.70% |
| 24 | First Financial Bank | 685 | $548.4M | $801K | 2.77% |
| 25 | PeopleFund | 657 | $146.2M | $223K | 10.27% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
7(a) banks vs 504 lenders (CDCs) in Texas
The two SBA programs have different lenders. A 7(a) loan comes from one bank or credit union; a 504 project pairs a bank with a Certified Development Company (CDC), the nonprofit that funds the SBA-backed portion. The leaders in Texas by each program's loans funded since FY2010:
- 1. PNC Bank, National Association 7,487 loans
- 2. Wells Fargo Bank National Association 6,537 loans
- 3. JPMorgan Chase Bank, National Association 5,959 loans
- 4. The Huntington National Bank 3,446 loans
- 5. Live Oak Banking Company 1,731 loans
- 1. Capital Certified Development Corporation 1,753 loans
- 2. North Texas Certified Development Corporation 792 loans
- 3. Greater East Texas Certified Development Company 711 loans
- 4. LiftFund, Inc. 703 loans
- 5. Texas Certified Development Company, Inc. 443 loans
Counts are each program's funded loans in Texas. How the two programs differ: 504 vs 7(a), by the data.
Where SBA lending concentrates in Texas
The 3 industries with the most SBA loans in Texas since FY2010, and the most active lender in each. A lender that leads your industry locally can matter more than the overall #1.
| Industry | Loans | Total funded | Most active lender |
|---|---|---|---|
| Accommodation and Food Services | 10,846 | $9.9B | PNC Bank, National Association (631 loans) |
| Retail Trade | 9,834 | $6.5B | Wells Fargo Bank National Association (917 loans) |
| Health Care and Social Assistance | 9,453 | $6.7B | PNC Bank, National Association (1,109 loans) |
Full industry, city, and yearly breakdowns: SBA lending in Texas.
How this ranking works
- “Most active” means loans funded. The ranking counts every SBA 7(a) and 504 loan funded to Texas businesses in the SBA's public FOIA record, FY2010–2026, as of 2026-03-31. No lender pays to appear or to rank, and activity is not a fit score: the right lender for you depends on your industry, loan size, and timeline.
- The 10-loan line. A lender enters the Texas table only with at least 10 loans funded in-state, so one-off activity never reads as a track record. Industry cells above are held to at least 30 loans.
- Charge-off is 7(a)-only and needs 20+ loans. The SBA reports charge-offs on 7(a) loans, never on 504 loans. We show an in-state rate only when a lender has at least 20 funded 7(a) loans in Texas; anything thinner reads “not reported,” never 0%. It is a charge-off share of funded loans to date, not a lifetime default rate.
- Name collisions are excluded, and counted. The SBA does not normalize lender names across mergers and rebrands, so one name can blend several unrelated institutions. Flagged names are never ranked on this page; each exclusion is disclosed under the table.
The exact calculations and limits: methodology.
Best SBA lenders in Texas: frequently asked questions
Who is the most active SBA lender in Texas?
PNC Bank, National Association is the most active SBA lender in Texas in the public record, with 7,487 7(a) and 504 loans funded since FY2010 ($1.6B in Texas). The ranking counts loans funded, never who pays us.
Do these lenders only serve Texas?
No. The ranking measures activity in Texas: loans funded to Texas businesses in the SBA's record. Many of these lenders are national or multi-state institutions; the loans, dollars, and charge-off figures shown are their Texas lending only.
What's the difference between a 7(a) lender and a CDC?
A 7(a) lender is a bank or credit union that funds an SBA-guaranteed loan directly. A Certified Development Company (CDC) is a nonprofit that funds the SBA-backed portion of a 504 project alongside a bank. Charge-off is reported only on 7(a) loans, so a 504-only CDC shows "not reported," never 0%.
How many SBA lenders are active in Texas?
309 lenders have funded at least 10 SBA loans in Texas since FY2010 in the public record (as of 2026-03-31). The table above names the 25 most active of them; names that blend several same-named institutions are excluded from rankings.
Mario Bailey. (2026). Best SBA lenders in Texas. SBA Loan Index. https://sbaloanindex.com/best-sba-lenders/in/tx/
Free to cite and quote with attribution and a link. Members of the press can reach us via our press page.
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