Advertiser disclosure: Some links on this page earn us a commission. Compensation never affects our data, our rankings, or which lenders we cover. How we make money.
SBA lender · 7(a) program
Lone Star Bank
Lone Star Bank has approved 38 SBA loans worth $30.3M since FY2010. Everything below comes from the SBA’s own loan-level records.
National rank
#937
<0.01% of all SBA dollars
Total approved
$30.3M
FY2010 onward
Loans
38
Median loan
$417,750
+132% vs national
Median rate
6.25%
-0.50 pts vs national
Charge-off rate
-
Cohort too small
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.
Reading the record
What Lone Star Bank’s numbers say
Lone Star Bank sits in the long tail of the SBA lending field, having approved 38 loans for a gross total of $30.3M since fiscal 2010. Its median loan of $417,750 is substantially larger than the $180,000 national median, a pattern that usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 6.25%, 0.50 points below the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Roughly 35% of its approvals with a recorded business age went to startups or businesses two years old or less, against 27% nationally.
Where Lone Star Bank lends
| State | Loans | Share |
|---|---|---|
| Texas | 38 |
What it lends against
Franchise brands Lone Star Bank financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Jimmy John's | 2 | $585K | |
| ServiceMaster Clean | 1 | $1.5M | |
| PuroClean | 1 | $269K | |
| Motel 6 | 1 | $2.3M | |
| Ramada | 1 | $2.6M | |
| Rodeway Inn | 1 | $2.9M | |
| La Quinta by Wyndham | 1 | $3.5M | |
| KolacheFactory | 1 | $400K |
Brands with the most Lone Star Bank SBA loans, among brands with at least 10 loans in the file. Compare lenders across all franchise lending on SBA lenders for franchises.
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.
A different SBA 7(a) lender
SmartBiz is a separate company from Lone Star Bank. An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Questions about Lone Star Bank
- How many SBA loans has Lone Star Bank approved?
- Lone Star Bank has approved 38 SBA loans totalling $30,340,200 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it outside the top 500 among all SBA lenders by dollars approved.
- What is the typical Lone Star Bank SBA loan size?
- The median gross approval is $417,750, with the middle 80% of loans falling between $140,000 and $1,900,000. The national median across all SBA lenders is $180,000.
- What interest rate does Lone Star Bank charge on SBA 7(a) loans?
- The median initial note rate on Lone Star Bank's 7(a) approvals is 6.25%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
Where to go from here
Looking into a lender or broker this site does not profile? Check a business with Jid to read its public registry record.
We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.