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113 active SBA 7(a) lenders in Texas, ranked by loan volume.
Lenders
in Texas
Total Volume
Median Rate
Median Loan Size
| # | Lender | Loans | Volume | Rate | Default Rate |
|---|---|---|---|---|---|
| 1 | Live Oak Bank | 62 | $87.2M | P+1.50% | 0.8% |
| 2 | The Huntington National Bank | 48 | $62.5M | P+2.25% | 1.5% |
| 3 | Global One Bank | 37 | $82.8M | P+1.25% | 0.0% |
| 4 | T Bank, National Association | 31 | $56.9M | P+2.00% | 0.5% |
| 5 | First Internet Bank of Indiana | 26 | $45.1M | P+2.75% | 1.7% |
| 6 | Cadence Bank | 22 | $15.4M | P+2.63% | 2.3% |
| 7 | Metro City Bank | 22 | $48.4M | P+1.25% | 0.6% |
| 8 | PCB Bank | 16 | $12.6M | P+1.50% | 0.8% |
| 9 | Open Bank | 16 | $48.9M | P+1.50% | 0.5% |
| 10 | Byline Bank | 13 | $29.7M | P+2.75% | 1.6% |
| 11 | First Financial Bank | 13 | $18.6M | P+1.50% | 0.8% |
| 12 | First Financial Bank | 12 | $13.3M | P+2.13% | 7.1% |
| 13 | Hancock Whitney Bank | 12 | $6.6M | P+2.50% | 1.0% |
| 14 | VelocitySBA, LLC | 11 | $10.7M | P+2.75% | 0.9% |
| 15 | Security National Bank of Omaha | 10 | $21.0M | P+1.75% | 0.0% |
| 16 | Comerica Bank | 9 | $15.8M | P+0.00% | 0.0% |
| 17 | Bank of Hope | 8 | $24.9M | P+1.25% | 1.9% |
| 18 | American Momentum Bank | 9 | $10.4M | P+2.25% | 1.3% |
| 19 | Stellar Bank | 9 | $16.4M | P+1.50% | 1.2% |
| 20 | Plains State Bank | 9 | $31.1M | P+1.25% | 5.0% |
| 21 | United Midwest Savings Bank, National Association | 8 | $8.9M | P+2.75% | 0.4% |
| 22 | Milestone Bank | 8 | $19.7M | P+2.75% | 0.0% |
| 23 | First Bank of the Lake | 7 | $3.3M | P+2.50% | 1.9% |
| 24 | Fifth Third Bank | 7 | $16.0M | P+0.25% | 0.5% |
| 25 | United Community Bank | 7 | $11.3M | P+1.50% | 2.3% |
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Customize your search →Texas has 113 active SBA 7(a) acquisition lenders that have originated a combined 698 loans totaling $1086.3M in volume. The median acquisition loan size in Texas is $980K, with a median interest rate of Prime + 2.00% (Prime + spread).
When evaluating SBA lenders in Texas, consider loan volume (a proxy for experience), interest rates, and historical default rates. Lenders designated as PLP (Preferred Lender Program) have delegated authority from the SBA to approve loans, which typically results in faster processing times.
There are currently 113 active SBA 7(a) lenders in Texas based on FOIA lending data. These lenders have originated 698 acquisition loans.
The median SBA 7(a) acquisition loan rate in Texas is Prime + 2.00% (current Prime rate: 6.75%). Rates are typically expressed as Prime plus a spread, with the SBA capping the spread at 3.0% for loans over $250,000.
A PLP (Preferred Lender Program) lender has been granted delegated authority by the SBA to make credit decisions without prior SBA review. This typically means faster loan processing and approval timelines.
Data source: SBA 7(a) FOIA lending data. Rankings are based on loan count within the selected dimension. Rates shown are median interest rates expressed as Prime + spread. Default rates represent 10-year cumulative default rates. Data is refreshed periodically and may not reflect the most recent lending activity.