SBA lending by metro area
SBA lenders in Wichita Falls, TX
Which lenders fund Wichita Falls-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 Wichita Falls area
Ranked by SBA volume funded to businesses located in the Wichita Falls 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 | Prosperity Bank | 45 | $10.0M | $223K | 6.67% |
| 2 | Live Oak Banking Company | 9 | $9.9M | $1.1M | not reported |
| 3 | JPMorgan Chase Bank, National Association | 26 | $7.1M | $273K | 7.69% |
| 4 | First Capital Bank | 10 | $6.7M | $672K | not reported |
| 5 | The Huntington National Bank | 6 | $4.4M | $726K | not reported |
| 6 | Capital Certified Development Corporation | 6 | $4.3M | $709K | not reported |
| 7 | Simmons Bank | 6 | $3.8M | $633K | not reported |
| 8 | Wells Fargo Bank National Association | 10 | $2.1M | $213K | not reported |
| 9 | Northeast Bank | 8 | $1.6M | $196K | not reported |
| 10 | BayFirst National Bank | 5 | $930K | $186K | 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 Wichita Falls compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Wichita Falls area | $250K | 4.3% ▼ 3.1 pts |
| Texas | $250K | 7.4% |
| United States | $179K | 11.2% |
What gets funded in Wichita Falls
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 44 | $49.7M |
| Retail Trade | 56 | $31.1M |
| Other Services | 23 | $15.1M |
| Health Care and Social Assistance | 15 | $9.9M |
| Construction | 27 | $8.5M |
| Professional and Technical Services | 16 | $5.1M |
| Manufacturing | 12 | $4.8M |
| Agriculture, Forestry, Fishing | 5 | $3.9M |
SBA lending in Wichita Falls by year
Geography, precisely
"Wichita Falls area" here means the Wichita Falls, TX metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Archer County, TX; Clay County, TX; Wichita 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.