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SBA lender · 7(a) program
The Bank of Houston
The Bank of Houston has approved 150 SBA loans worth $120.9M since FY2010 - the #484 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#484
0.02% of all SBA dollars
Total approved
$120.9M
FY2010 onward
Loans
150
Median loan
$511,500
+184% vs national
Median rate
8.75%
+2.00 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 The Bank of Houston’s numbers say
The Bank of Houston sits in the long tail of the SBA lending field, having approved 150 loans for a gross total of $120.9M since fiscal 2010. Its median loan of $511,500 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 8.75%, 2.00 points above 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 55% of its approvals with a recorded business age went to startups or businesses two years old or less, against 27% nationally - a meaningfully greater appetite for startups than the average SBA lender.
Where The Bank of Houston lends
| State | Loans | Share |
|---|---|---|
| Missouri | 91 | |
| Illinois | 22 | |
| Georgia | 6 | |
| North Carolina | 3 | |
| Texas | 3 | |
| Florida | 3 | |
| Tennessee | 3 | |
| South Carolina | 2 |
Franchise brands The Bank of Houston financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Massage LuXe | 9 | $5.0M | |
| Koala Insulation | 3 | $998K | |
| The UPS Store | 2 | $680K | |
| Stretch Lab | 2 | $605K | |
| Paris Baguette | 2 | $3.0M | |
| Days Inn | 1 | $2.2M | |
| New Distributing Co. Inc Fuel Supply Agreement | 1 | $608K | |
| Kumon | 1 | $525K |
Brands with the most The Bank of Houston SBA loans, among brands with at least 10 loans in the file. Compare lenders across all franchise lending on SBA lenders for franchises.
The Bank of Houston made 1 of these loans under the SBA Express programme, median $50,000. Compare SBA Express lenders.
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 The Bank of Houston. 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.
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Questions about The Bank of Houston
- How many SBA loans has The Bank of Houston approved?
- The Bank of Houston has approved 150 SBA loans totalling $120,872,400 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #484 among all SBA lenders by dollars approved.
- What is the typical The Bank of Houston SBA loan size?
- The median gross approval is $511,500, with the middle 80% of loans falling between $200,000 and $1,732,000. The national median across all SBA lenders is $180,000.
- What interest rate does The Bank of Houston charge on SBA 7(a) loans?
- The median initial note rate on The Bank of Houston's 7(a) approvals is 8.75%, 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
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