SBA lending by metro area
SBA lenders in Waco, TX
Which lenders fund Waco-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 Waco area
Ranked by SBA volume funded to businesses located in the Waco 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 | The First National Bank of McGregor d/b/a TFNB Your Bank for Life | 103 | $25.8M | $250K | 8.74% |
| 2 | Live Oak Banking Company | 11 | $24.6M | $2.2M | not reported |
| 3 | Capital Certified Development Corporation | 8 | $12.9M | $1.6M | not reported |
| 4 | PNC Bank, National Association | 51 | $11.9M | $233K | 5.88% |
| 5 | Metro City Bank | 10 | $10.7M | $1.1M | not reported |
| 6 | Newtek Small Business Finance, Inc. | 10 | $9.6M | $957K | not reported |
| 7 | The Huntington National Bank | 21 | $9.5M | $453K | 4.76% |
| 8 | SouthState Bank, National Association | 12 | $6.1M | $512K | not reported |
| 9 | First Financial Bank | 5 | $3.6M | $712K | not reported |
| 10 | Wells Fargo Bank National Association | 28 | $3.4M | $122K | 14.29% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Waco compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Waco area | $225K ▼ 10.0% | 4.0% ▼ 3.4 pts |
| Texas | $250K | 7.4% |
| United States | $179K | 11.2% |
What gets funded in Waco
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 100 | $104.1M |
| Retail Trade | 112 | $90.1M |
| Health Care and Social Assistance | 43 | $38.1M |
| Arts, Entertainment, Recreation | 29 | $17.8M |
| Other Services | 57 | $16.6M |
| Construction | 40 | $12.3M |
| Manufacturing | 16 | $11.7M |
| Wholesale Trade | 18 | $10.8M |
SBA lending in Waco by year
Geography, precisely
"Waco area" here means the Waco, TX metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Bosque County, TX; Falls County, TX; McLennan 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.