Commercial Mortgage in McAllen, TX
Find lenders offering commercial mortgage in the McAllen, including Edinburg, Mission, Pharr, and surrounding areas. Compare rates, terms, and programs from 72 lenders.
Commercial Mortgage Lenders Serving McAllen
72 lenders offering commercial mortgage in the McAllen, TX area.
T Bank, National Association
Local SBADALLAS, 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.
Wallis Bank
Local SBAWALLIS, 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.
Comerica Bank
Local SBADALLAS, 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.
Southwestern National Bank
Local SBAHOUSTON, 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.
Texas Capital Bank
Local SBADALLAS, 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.
Live Oak Banking Company
SBAWILMINGTON, 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.
The Huntington National Bank
SBACOLUMBUS, 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.
Newtek Bank, National Association
SBAMiami, 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.
U.S. Bank, National Association
SBACincinnati, 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.
Celtic Bank Corporation
SBASALT 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.
US Metro Bank
SBAGARDEN 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.
Readycap Lending, LLC
SBABERKELEY 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.
Bank of Hope
SBALOS 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.
GBank
SBALAS 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.
Wells Fargo Bank National Association
SBASioux 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.
McAllen Commercial Real Estate Market
McAllen anchors the Rio Grande Valley market, one of the fastest-growing regions in Texas, with CRE demand driven by cross-border trade with Mexico, healthcare services, and retail serving both U.S. and Mexican consumers. The Anzalduas and McAllen-Hidalgo International Bridges process billions of dollars in annual trade, supporting warehouse, cold storage, and customs brokerage facilities along the US-83 expressway corridor. The Trenton Road and North 10th Street commercial corridors are the primary retail and medical office nodes, with DHR Health — one of the largest physician-owned hospitals in the U.S. — expanding its campus and specialty clinics. The region's young and growing population, combined with relatively low land costs, has attracted national retailers and restaurant chains that view the Valley as an underserved market with significant upside.
Key Economic Drivers
- ●U.S.-Mexico cross-border trade through the McAllen-Hidalgo and Anzalduas international bridges
- ●DHR Health hospital system, one of the largest physician-owned medical campuses in the country
- ●South Texas College and UT Rio Grande Valley expanding educational campuses and research facilities
- ●Retail sector serving both U.S. residents and Mexican cross-border shoppers from Reynosa and the interior
Market Insight
McAllen's retail market uniquely benefits from significant Mexican cross-border shopping traffic, with an estimated 30-40% of retail spending in the metro coming from Mexican nationals — a dynamic that creates outsized demand for shopping centers and big-box retail along the expressway corridor.
Commercial Mortgage in McAllen, 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 McAllen metro area, borrowers can access 72 lenders offering Commercial Mortgage financing, including Edinburg, Mission, Pharr, 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
Commercial Mortgage in Other Texas Cities
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