GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
139
2020–2026
Total Volume
$114M
Gross loan amounts
States Active
20
With recorded loans
Programs
7(a) & 504
139 total segments
The Bank of Houston primarily serves startups, with 57% of their deals focused on new businesses. This is a strong signal for first-time borrowers looking for funding.
With an average 7(a) spread of P+2.54%, The Bank of Houston offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The Bank of Houston has seen a significant decline in their lending activity, with a -48% year-over-year drop in deals. This trend may affect their willingness to approve new loans.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 2 504 loans, which use fixed SBA debenture rates.
Top 15 of 20 states where The Bank of Houston has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Personal Care (Salons, Spas)
Other Services
Administrative & Waste Services
Administrative & Waste Services
Gas Stations
Retail Trade
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Social Assistance
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for The Bank of Houston, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Illinois · Food & Beverage Stores · $1M – $2M | 7(a) | 4 | P+2.50% | $1.5M | Q2 2024 |
| Missouri · Food & Beverage Stores · $1M – $2M | 7(a) | 4 | P+2.63% | $1.3M | Q3 2022 |
| Missouri · Restaurants & Food Service · $500K – $1M | 7(a) | 4 | P+2.38% | $878K | Q3 2024 |
| Missouri · Gas Stations · $500K – $1M | 7(a) | 4 | P+2.50% | $729K | Q1 2021 |
| Missouri · Manufacturing · $350K – $500K | 7(a) | 3 | P+2.50% | $437K | Q3 2025 |
| Missouri · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.75% | $289K | Q3 2024 |
| Missouri · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+2.50% | $427K | Q2 2024 |
| Missouri · Transportation & Warehousing · Under $150K | 7(a) | 3 | P+2.75% | $70K | Q2 2022 |
| Georgia · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 3 | P+2.75% | $308K | Q3 2021 |
| Missouri · Education · $500K – $1M | 7(a) | 2 | P+2.63% | $736K | Q1 2022 |
| Missouri · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+2.50% | $189K | Q3 2023 |
| Missouri · Administrative & Waste Services · $500K – $1M | 7(a) | 2 | P+2.00% | $790K | Q3 2024 |
| Missouri · Restaurants & Food Service · $1M – $2M | 7(a) | 2 | P+2.75% | $1.5M | Q3 2025 |
| Missouri · Transportation & Warehousing · $500K – $1M | 7(a) | 2 | P+2.13% | $618K | Q3 2025 |
| Missouri · Wholesale Trade · $350K – $500K | 7(a) | 2 | P+2.00% | $451K | Q1 2024 |
| Missouri · Wholesale Trade · $500K – $1M | 7(a) | 2 | P+2.75% | $700K | Q3 2023 |
| Illinois · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+2.38% | $303K | Q2 2023 |
| Illinois · Gas Stations · $500K – $1M | 7(a) | 2 | P+2.63% | $925K | Q3 2021 |
| Missouri · Social Assistance · $350K – $500K | 7(a) | 2 | P+2.88% | $462K | Q4 2025 |
| Missouri · Social Assistance · $500K – $1M | 7(a) | 2 | P+2.63% | $835K | Q3 2024 |
| Missouri · Food & Beverage Stores · $350K – $500K | 7(a) | 2 | P+2.63% | $387K | Q4 2020 |
| North Carolina · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+2.50% | $162K | Q3 2021 |
| Illinois · Arts, Entertainment & Recreation · $500K – $1M | 7(a) | 1 | P+2.75% | $557K | Q4 2023 |
| Indiana · Social Assistance · $150K – $350K | 7(a) | 1 | P+2.75% | $247K | Q3 2023 |
| Kansas · Miscellaneous Retail · $350K – $500K | 7(a) | 1 | P+2.25% | $482K | Q2 2022 |
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