SBA lending by metro area
SBA lenders in Houston, TX
Which lenders fund Houston-area businesses, how much, and how the market compares with Texas: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Houston area
Ranked by SBA volume funded to businesses located in the Houston metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Wallis Bank | 622 | $777.4M | $1.2M | 2.57% |
| 2 | The Huntington National Bank | 1,043 | $750.1M | $719K | 3.16% |
| 3 | Capital Certified Development Corporation | 397 | $568.2M | $1.4M | 8.70% |
| 4 | Live Oak Banking Company | 394 | $544.2M | $1.4M | 1.52% |
| 5 | Stellar Bank | 515 | $484.9M | $942K | 5.24% |
| 6 | Wells Fargo Bank National Association | 1,969 | $482.0M | $245K | 8.38% |
| 7 | PNC Bank, National Association | 1,974 | $445.0M | $225K | 10.13% |
| 8 | JPMorgan Chase Bank, National Association | 1,842 | $422.4M | $229K | 5.75% |
| 9 | Plains State Bank | 221 | $358.7M | $1.6M | 3.62% |
| 10 | North Texas Certified Development Corporation | 297 | $354.6M | $1.2M | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Houston compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Houston area | $250K | 6.1% ▼ 1.3 pts |
| Texas | $250K | 7.4% |
| United States | $179K | 11.2% |
What gets funded in Houston
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 2,563 | $2.4B |
| Health Care and Social Assistance | 2,759 | $2.2B |
| Retail Trade | 2,438 | $1.8B |
| Other Services | 2,276 | $1.2B |
| Manufacturing | 1,301 | $1.0B |
| Wholesale Trade | 1,156 | $836.9M |
| Professional and Technical Services | 2,036 | $808.1M |
| Construction | 1,750 | $593.8M |
SBA lending in Houston by year
Geography, precisely
"Houston area" here means the Houston-Pasadena-The Woodlands, TX metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Austin County, TX; Brazoria County, TX; Chambers County, TX; Fort Bend County, TX; Galveston County, TX; Harris County, TX; Liberty County, TX; Montgomery County, TX; San Jacinto County, TX; Waller County, TX. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.