SBA Lenders in Texas
Top lenders ranked by real SBA lending data. See who's most active in Texas across deal count, loan size, and pricing.
What Borrowers Should Know
Texas SBA borrowers are paying 35 basis points less than the national average—your median spread is P+2.40% versus the national P+2.75%. With 358 active lenders competing for your business, this pricing advantage reflects genuine competition in the state. On a $300K loan, this difference saves you roughly $1,050 per year in interest expense.
The top 3 lenders (PNC, JPMorgan Chase, Wells Fargo) control 2,260 of your state's 5,977 deals—38% of all volume. While this concentration suggests these banks have efficient processes you can tap, the remaining 355 lenders handle 62% of deals, giving you real leverage to shop around rather than defaulting to the big names.
Texas's average deal size of $309,602 runs higher than many states, indicating the SBA lending market here skews toward established, slightly larger small businesses. If your loan request is under $200K, you may face less efficient pricing and slower processing, as most lenders in the state are calibrated for bigger deals.
Total SBA Loans
5,977
Active Lenders
300
Avg Deal Size
$310K
Total Volume
$1.9B
Top 10 Lenders in Texas
Ranked by total deal count across all SBA programs.
| # | Lender | Type | Deals | Avg Size | Spread | |
|---|---|---|---|---|---|---|
| 1 | PNC Bank, National Association | Bank | 929 | $57K | P + 2.49%AVERAGE | |
| 2 | JPMorgan Chase Bank, National Association | Bank | 685 | $150K | P + 1.74%GOOD | |
| 3 | Wells Fargo Bank National Association | Bank | 659 | $124K | P + 2.55%AVERAGE | |
| 4 | The Huntington National Bank | Bank | 245 | $435K | P + 2.50%AVERAGE | |
| 5 | United Midwest Savings Bank National Association | Bank | 212 | $170K | P + 2.75%AVERAGE | |
| 6 | Northeast Bank | Bank | 167 | $171K | P + 2.75%AVERAGE | |
| 7 | Comerica Bank | Bank | 164 | $242K | P + 1.56%GOOD | |
| 8 | Zions Bank, A Division of | Bank | 153 | $208K | P + 2.06%GOOD | |
| 9 | BayFirst National Bank | Bank | 148 | $190K | P + 3.00%ABOVE AVG | |
| 10 | Cadence Bank | Bank | 96 | $506K | P + 2.75%AVERAGE |
Top Industries in Texas
SBA lending activity by industry segment.