SBA data · Texas
SBA lending in Texas
77,109 loans worth $48.07B have been approved for Texas projects since FY2010 - the #2 state by SBA dollars, 9.5% of the national total.
State rank
#2
by dollars approved
Approved
$48.07B
FY2010 onward
Loans
77,109
Median loan
$251,000
+39% vs national
Median 7(a) rate
7.00%
Jobs supported
935,984
Lender-reported
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Who lends here
The most active SBA lenders in Texas
Ranked by dollars approved for projects in this state. Ranking is computed from federal data and cannot be purchased.
| # | Lender | Approved in TX | Loans | Avg loan | Share |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | $2.50B | 1,796 | $1,392,344 | |
| 2 | The Huntington National Bank | $2.24B | 3,505 | $640,128 | |
| 3 | Capital Certified Development Corporation | $2.10B | 1,893 | $1,108,460 | |
| 4 | Wells Fargo Bank | $1.79B | 6,552 | $273,680 | |
| 5 | PNC Bank | $1.56B | 7,496 | $208,677 | |
| 6 | Wallis Bank | $1.41B | 1,128 | $1,250,264 | |
| 7 | JPMorgan Chase Bank | $1.38B | 5,979 | $231,236 | |
| 8 | Greater East Texas Certified Development Company | $907.1M | 730 | $1,242,571 | |
| 9 | North Texas Certified Development Corporation | $877.3M | 801 | $1,095,268 | |
| 10 | Celtic Bank Corporation | $855.4M | 1,321 | $647,546 | |
| 11 | LiftFund, Inc. | $816.8M | 1,209 | $675,589 | |
| 12 | Enterprise Bank & Trust | $716.8M | 568 | $1,261,994 |
By sector in Texas
- Restaurants & Hotels11,036 · $10.12B
- Health Care9,597 · $6.81B
- Other Services8,473 · $4.82B
- Retail6,759 · $4.75B
- Professional Services6,989 · $2.96B
- Construction6,770 · $2.45B
- Wholesale3,508 · $2.37B
- Arts & Recreation2,732 · $1.73B
- Real Estate1,765 · $1.38B
- Administrative & Waste3,337 · $1.17B
- Transportation2,916 · $938.6M
- Education1,466 · $875.1M
Most-financed industries
| Industry | Loans | Share |
|---|---|---|
| Full-Service Restaurants | 2,905 | |
| Limited-Service Restaurants | 2,507 | |
| Hotels (except Casino Hotels) and Motels | 2,164 | |
| Child Care Services | 1,787 | |
| Offices of Physicians | 1,699 | |
| Gasoline Stations with Convenience Stores | 1,660 | |
| Offices of Dentists | 1,629 | |
| Fitness and Recreational Sports Centers | 1,581 | |
| General Automotive Repair | 1,253 | |
| Beauty Salons | 1,186 |
Approvals by fiscal year
Gross approval dollars in Texas. The final bar is a partial fiscal year.
Loan sizes in Texas
- Under $50K17%
- $50K - $150K18%
- $150K - $350K22%
- $350K - $1M24%
- $1M - $2M11%
- Over $2M8%
SBA lending in Texas: common questions
- How many SBA loans are approved in Texas?
- 77,109 SBA 7(a) and 504 loans totalling $48,067,674,000 have been approved for projects in Texas since fiscal year 2010, ranking it #2 among states and territories by dollars approved - 9.5% of all SBA lending nationally.
- Which lenders make the most SBA loans in Texas?
- By dollars approved in Texas, the most active lenders are Live Oak Banking Company, The Huntington National Bank, Capital Certified Development Corporation, Wells Fargo Bank, PNC Bank. Volume is not a recommendation - a lender's fit depends on your industry, loan size, and credit profile.
- What is the typical SBA loan size in Texas?
- The median gross approval in Texas is $251,000, 39% above the national median of $180,000. Half of all loans in the state fall between $25,000 and $1,743,900.
- Do I need to use a lender based in Texas?
- No. SBA lenders can and routinely do lend across state lines, and several of the largest national 7(a) lenders have no branch presence at all. The lenders listed on this page are those with the most approved dollars for projects located in Texas, wherever they are headquartered.
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
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