SBA lending by metro area
SBA lenders in Midland, TX
Which lenders fund Midland-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 Midland area
Ranked by SBA volume funded to businesses located in the Midland 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 | SouthWest Bank | 54 | $28.1M | $521K | 3.70% |
| 2 | Live Oak Banking Company | 12 | $18.0M | $1.5M | not reported |
| 3 | American Momentum Bank | 17 | $12.4M | $732K | not reported |
| 4 | First Basin Credit Union | 7 | $10.4M | $1.5M | not reported |
| 5 | Prosperity Bank | 23 | $9.0M | $389K | 8.70% |
| 6 | Wells Fargo Bank National Association | 65 | $7.3M | $112K | 7.69% |
| 7 | Celtic Bank Corporation | 6 | $6.6M | $1.1M | not reported |
| 8 | Capital Certified Development Corporation | 10 | $6.1M | $608K | not reported |
| 9 | Readycap Lending, LLC | 6 | $5.5M | $913K | not reported |
| 10 | Citizens Bank | 5 | $5.4M | $1.1M | 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 Midland compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Midland area | $276K ▲ 10.3% | 3.7% ▼ 3.6 pts |
| Texas | $250K | 7.4% |
| United States | $179K | 11.2% |
What gets funded in Midland
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 56 | $74.1M |
| Mining and Extraction | 48 | $49.8M |
| Manufacturing | 28 | $22.9M |
| Health Care and Social Assistance | 33 | $21.3M |
| Retail Trade | 27 | $15.0M |
| Real Estate | 15 | $14.7M |
| Other Services | 32 | $11.5M |
| Arts, Entertainment, Recreation | 14 | $11.2M |
SBA lending in Midland by year
Geography, precisely
"Midland area" here means the Midland, TX metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Martin County, TX; Midland 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.