In fiscal years 2021–2026, 462 lenders made 26,614 SBA loans in Texas, totaling $19.3 billion. The average loan was $725,632, and 41% went to startups or businesses under two years old.
By program: 21,089 7(a) loans, 5,525 SBA Express and 0 504 (counting both the CDC and partner bank on each project).
Top 10 most active SBA lenders in Texas
| # | Lender | SBA loans | Average | To startups | Programs |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank Columbus, OH | 2,385 | $487,667 | 67% | 7(a), Express |
| 2 | Newtek Bank, National Association Miami, FL | 1,341 | $412,928 | 19% | 7(a), Express |
| 3 | Wells Fargo Bank National Association Sioux Falls, SD | 1,307 | $235,660 | 87% | 7(a), Express |
| 4 | Northeast Bank Lewiston, ME | 1,213 | $156,114 | 13% | 7(a) |
| 5 | Live Oak Banking Company Wilmington, NC | 979 | $1,472,401 | 27% | 7(a), Express |
| 6 | Readycap Lending, LLC Berkeley Heights, NJ | 928 | $510,509 | 23% | 7(a), Express |
| 7 | JPMorgan Chase Bank, National Association Columbus, OH | 892 | $296,907 | 11% | 7(a), Express |
| 8 | BayFirst National Bank Saint Petersburg, FL | 853 | $179,145 | 4% | 7(a) |
| 9 | United Midwest Savings Bank National Association De Graff, OH | 625 | $290,357 | 87% | 7(a) |
| 10 | Zions Bank, A Division of Salt Lake City, UT | 575 | $292,288 | 39% | 7(a), Express |
Lenders that fund the most startups in Texas
- The Huntington National Bank — 1,592 startup loans (67% of its loans)
- Wells Fargo Bank National Association — 1,136 startup loans (87% of its loans)
- United Midwest Savings Bank National Association — 543 startup loans (87% of its loans)
- Frost Bank — 297 startup loans (62% of its loans)
- Wallis Bank — 275 startup loans (63% of its loans)
SBA loans by industry in Texas
- Restaurants & Lodging3,811 loans
- Retail Stores3,239 loans
- Health Care3,098 loans
- Personal Services & Repair2,890 loans
- Construction2,804 loans
- Professional Services2,398 loans
- Cleaning, Landscaping & Admin1,422 loans
- Manufacturing1,354 loans
- Fitness & Entertainment1,125 loans
- Trucking & Transportation1,093 loans
- Wholesale & Distribution1,061 loans
- Real Estate & Rental589 loans
- Education & Childcare511 loans
- Media & Technology261 loans
- Agriculture & Fishing173 loans
Related guides
Frequently asked questions
Which lenders make the most SBA loans in Texas?
Based on public SBA data for fiscal years 2021–2026, the most active were The Huntington National Bank, Newtek Bank, National Association, Wells Fargo Bank National Association. Also compare their average loan size and how much they lend to startups.
How many SBA loans were made in Texas?
26,614 SBA loans totaling $19.3 billion in fiscal years 2021–2026, with an average of $725,632.
Can I get an SBA loan in Texas with a green card?
No. Since March 2026, all owners must be U.S. citizens or nationals for SBA 7(a) and 504 loans. CDFIs and some credit unions are good alternatives.
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Data: approved loans published by the SBA. Past lending does not guarantee your approval. We are not a lender and are not affiliated with the SBA.