SBA lending by state
SBA Lending in Texas
In Texas, SBA lenders funded 75,949 7(a) and 504 loans since FY2010, totaling $47.1B, an average of $620K per loan. The most active lender is PNC Bank, National Association, and the most-funded industry is Accommodation and Food Services.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
Top SBA lenders in Texas
Ranked by SBA loans funded in Texas since FY2010. Each lender's figures, including its 7(a) charge-off rate, cover its Texas loans only. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in Texas shows “not reported,” never 0%.
See the full Texas ranking : up to 25 lenders, with the 7(a) vs 504 leaders and industry context.
| # | 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% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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504 lenders (CDCs) in Texas
An SBA 504 project in Texas pairs two lenders: a bank or credit union funds roughly half the cost as a first mortgage, and a Certified Development Company (CDC) funds about 40% through an SBA-backed debenture, with the borrower putting down around 10%. Below are the CDCs most active on 504 loans in Texas, ranked by 504 loans funded in the state since FY2010. Figures are 504-only; charge-off is reported on 7(a) loans only and does not apply to CDCs.
| CDC | 504 loans | 504 volume |
|---|---|---|
| Capital Certified Development Corporation | 1,753 | $2.0B |
| North Texas Certified Development Corporation | 792 | $863.5M |
| Greater East Texas Certified Development Company | 711 | $890.6M |
| LiftFund, Inc. | 703 | $730.3M |
| Texas Certified Development Company, Inc. | 443 | $440.6M |
| Community Certified Development Corporation | 276 | $312.2M |
| Alliance Lending Corporation | 172 | $151.5M |
| Caprock Business Finance Corporation, Inc. | 145 | $115.4M |
| Texas Panhandle Regional Development Corporation | 102 | $86.3M |
| Houston-Galveston Area Local Development Corporation | 79 | $78.2M |
Showing the 10 CDCs most active on 504 loans in Texas; the full directory lists every CDC.
All Certified Development Companies · Current 504 loan rates · How 504 loans work
Top industries funded in Texas
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 10,846 | $9.9B |
| Health Care and Social Assistance | 9,453 | $6.7B |
| Retail Trade | 9,834 | $6.5B |
| Other Services | 8,328 | $4.7B |
| Manufacturing | 4,584 | $3.3B |
| Professional and Technical Services | 6,902 | $2.9B |
| Construction | 6,648 | $2.4B |
| Wholesale Trade | 3,454 | $2.3B |
Top cities for SBA loans in Texas
Where SBA 7(a) and 504 borrowers in Texas are located, by funded volume.
| City | Loans | Total volume |
|---|---|---|
| Houston | 9,116 | $5.7B |
| Dallas | 4,570 | $2.8B |
| Austin | 4,498 | $2.6B |
| San Antonio | 4,062 | $2.1B |
| Fort Worth | 2,393 | $1.5B |
| Plano | 1,362 | $863.0M |
| Katy | 1,302 | $828.3M |
| Frisco | 1,179 | $724.0M |
SBA lending by metro area in Texas
Which lenders fund each Texas market, with local loan sizes and industries.
- SBA lenders in Dallas, TX 25,447 loans
- SBA lenders in Houston, TX 20,483 loans
- SBA lenders in Austin, TX 8,121 loans
- SBA lenders in San Antonio, TX 5,772 loans
- SBA lenders in El Paso, TX 1,748 loans
- SBA lenders in Beaumont, TX 640 loans
- SBA lenders in Lubbock, TX 973 loans
- SBA lenders in Corpus Christi, TX 693 loans
- SBA lenders in College Station, TX 569 loans
- SBA lenders in McAllen, TX 1,212 loans
- SBA lenders in Killeen, TX 715 loans
- SBA lenders in Waco, TX 530 loans
- SBA lenders in Tyler, TX 469 loans
- SBA lenders in Longview, TX 382 loans
- SBA lenders in Abilene, TX 528 loans
- SBA lenders in Odessa, TX 424 loans
- SBA lenders in Midland, TX 374 loans
- SBA lenders in Amarillo, TX 459 loans
- SBA lenders in Sherman, TX 255 loans
- SBA lenders in Laredo, TX 515 loans
- SBA lenders in Brownsville, TX 560 loans
- SBA lenders in Gainesville, TX 89 loans
- SBA lenders in Wichita Falls, TX 234 loans
- SBA lenders in Nacogdoches, TX 176 loans
- SBA lenders in San Angelo, TX 210 loans
- SBA lenders in Victoria, TX 134 loans
- SBA lenders in Granbury, TX 209 loans
- SBA lenders in Texarkana, TX 172 loans
- SBA lenders in Athens, TX 95 loans
- SBA lenders in Sulphur Springs, TX 69 loans
- SBA lenders in Lufkin, TX 90 loans
- SBA lenders in Bay City, TX 59 loans
- SBA lenders in Jacksonville, TX 68 loans
- SBA lenders in Fredericksburg, TX 96 loans
- SBA lenders in Huntsville, TX 68 loans
- SBA lenders in Paris, TX 61 loans
- SBA lenders in Mount Pleasant, TX 59 loans
- SBA lenders in Palestine, TX 51 loans
- SBA lenders in Corsicana, TX 50 loans
- SBA lenders in Mineral Wells, TX 62 loans
- SBA lenders in Stephenville, TX 102 loans
- SBA lenders in Brenham, TX 58 loans
- SBA lenders in Bonham, TX 54 loans
- SBA lenders in El Campo, TX 54 loans
- SBA lenders in Beeville, TX 37 loans
- SBA lenders in Kerrville, TX 92 loans
- SBA lenders in Alice, TX 44 loans
- SBA lenders in Pampa, TX 34 loans
- SBA lenders in Brownwood, TX 60 loans
- SBA lenders in Del Rio, TX 55 loans
- SBA lenders in Big Spring, TX 31 loans
- SBA lenders in Eagle Pass, TX 63 loans
- SBA lenders in Plainview, TX 58 loans
- SBA lenders in Rio Grande City, TX 58 loans
SBA lending in Texas by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 3,992 | $1.4B |
| 2011 | 4,517 | $2.0B |
| 2012 | 4,002 | $1.7B |
| 2013 | 3,855 | $2.0B |
| 2014 | 4,287 | $2.1B |
| 2015 | 5,138 | $2.6B |
| 2016 | 5,565 | $2.8B |
| 2017 | 5,292 | $2.8B |
| 2018 | 4,689 | $3.0B |
| 2019 | 3,979 | $2.8B |
| 2020 | 3,343 | $2.7B |
| 2021 | 4,493 | $4.3B |
| 2022 | 3,909 | $3.3B |
| 2023 | 4,372 | $3.3B |
| 2024 | 5,534 | $3.7B |
| 2025 | 6,646 | $4.6B |
| 2026 | 2,336 | $1.8B |
SBA lending in Texas: frequently asked questions
How much SBA lending is there in Texas?
SBA lenders funded 75,949 7(a) and 504 loans totaling $47.1B in Texas in the public SBA data (as of 2026-03-31), an average of $620K per loan.
Who is the most active SBA lender in Texas?
PNC Bank, National Association is the most active SBA lender in Texas in the public data, by loans funded.
What industries get the most SBA loans in Texas?
The most-funded industry for SBA loans in Texas is Accommodation and Food Services.
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