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Commercial Mortgage in Houston, TX

Find lenders offering commercial mortgage in the Houston, including Sugar Land, The Woodlands, Katy, and surrounding areas. Compare rates, terms, and programs from 72 lenders.

Lenders
72
Typical Rate
6% - 8%
Down Payment
20-30%
Term
5-30 years (often 5-10 year terms with 25-30 year amortization)
Closing Time
30-60 days

Commercial Mortgage Lenders Serving Houston

72 lenders offering commercial mortgage in the Houston, TX area.

T Bank, National Association

Local SBA

DALLAS, TX

Texas-based community bank and SBA preferred lender. Specializes in SBA 7(a) loans for commercial real estate acquisition and business expansion, with a focus on hospitality and convenience store industries.

26 SBA loans
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Wallis Bank

Local SBA

WALLIS, TX

Texas-based community bank and top SBA lender in the Houston area. Offers SBA 7(a) loans, commercial real estate, and international banking services for small businesses.

21 SBA loans
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Comerica Bank

Local SBA

DALLAS, TX

Dallas-based major commercial bank offering SBA 7(a) and 504 loans, commercial real estate, equipment financing, lines of credit, and treasury management. One of the 25 largest U.S. banks with nationwide business banking.

38 SBA loans
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Southwestern National Bank

Local SBA

HOUSTON, TX

Houston, Texas-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. Serves small businesses in the greater Houston metropolitan area.

15 SBA loans
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Texas Capital Bank

Local SBA

DALLAS, TX

Dallas-based commercial bank offering SBA 7(a) loans, commercial real estate, treasury management, and specialized lending. Focused on serving Texas businesses with sophisticated financial solutions.

10 SBA loans
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Live Oak Banking Company

SBA

WILMINGTON, NC

One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.

628 SBA loans
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The Huntington National Bank

SBA

COLUMBUS, OH

Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.

1337 SBA loans
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Newtek Bank, National Association

SBA

Miami, FL

Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.

1039 SBA loans
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U.S. Bank, National Association

SBA

Cincinnati, OH

Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.

846 SBA loans
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Celtic Bank Corporation

SBA

SALT LAKE CITY, UT

Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.

442 SBA loans
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US Metro Bank

SBA

GARDEN GROVE, CA

Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.

85 SBA loans
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Readycap Lending, LLC

SBA

BERKELEY HEIGHTS, NJ

Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.

563 SBA loans
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Bank of Hope

SBA

LOS ANGELES, CA

One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.

134 SBA loans
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GBank

SBA

LAS VEGAS, NV

Fast-growing community bank based in Las Vegas and a top SBA preferred lender. Specializes in SBA 7(a) loans for hospitality, gas stations, convenience stores, and commercial real estate acquisition.

54 SBA loans
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Wells Fargo Bank National Association

SBA

Sioux Falls, SD

One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.

220 SBA loans
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Houston Commercial Real Estate Market

Houston is the energy capital of the world, with the upstream, midstream, and downstream oil and gas sector forming the backbone of the office and industrial CRE markets, though the city has significantly diversified into healthcare, life sciences, and aerospace. The Texas Medical Center — the world's largest medical complex with over 60 institutions — is a primary driver of medical office, lab, and hospitality demand in the Midtown and Med Center corridors. The Energy Corridor along I-10 West and the Westchase District are established office submarkets for energy companies, while the Port of Houston's industrial complex along the Ship Channel generates massive demand for petrochemical, refining, and logistics facilities. The Katy Freeway corridor and The Woodlands master-planned community are the metro's most active suburban growth nodes for mixed-use and corporate campus development.

Key Economic Drivers

  • Texas Medical Center, the world's largest medical complex, anchoring healthcare and life sciences CRE demand
  • Energy sector headquarters including ConocoPhillips, Phillips 66, Baker Hughes, and Halliburton
  • Port of Houston, the nation's largest port by foreign waterborne tonnage, driving Ship Channel industrial development
  • NASA Johnson Space Center and the Clear Lake aerospace corridor

Market Insight

Houston has no zoning ordinance, making it the largest U.S. city without traditional zoning — which provides developers greater flexibility in land use but requires careful due diligence on deed restrictions, municipal utility districts, and flood plain regulations.

Commercial Mortgage in Houston, Texas

Conventional commercial mortgages provide long-term financing for stabilized, income-producing commercial properties. Offered by banks, credit unions, and institutional lenders with competitive rates for qualified borrowers and properties. In the Houston metro area, borrowers can access 72 lenders offering Commercial Mortgage financing, including Sugar Land, The Woodlands, Katy, and surrounding areas. Loan amounts typically range from $250K to $50M with rates from 6% - 8%.

Who Should Consider Commercial Mortgage?

  • Stabilized income properties
  • Long-term holds
  • Refinancing
  • Experienced investors

Key Requirements

  • Stabilized property with income history
  • DSCR ≥ 1.20-1.25
  • LTV ≤ 75-80%
  • Borrower experience and liquidity

Advantages

  • Lower rates than bridge/hard money
  • Longer terms
  • Predictable payments
  • Build equity over time

Considerations

  • Stricter underwriting
  • Longer closing timeline
  • Prepayment penalties
  • Recourse may be required

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