Commercial Lenders in Texas
Browse 260 lenders serving Texas across DSCR, SBA, bridge, construction, hard money, and more.
Texas Lenders by Loan Type
DSCR Loans
7.0% - 9.5% · 20-25% downSBA 7(a) Loans
Prime + 1.5% to 3.75% · 10-20% downSBA 504 Loans
Below market (CDC portion ~5-6%) · 10% downBridge Loans
8% - 12% · 20-30% downConstruction Loans
7% - 10% · 20-35% downCommercial Mortgage
6% - 8% · 20-30% downHard Money Loans
9% - 12%+ · 10-25%+ cash in downCMBS Loans
5.5% - 8% · 25-35% downMezzanine Loans
6.75% - 11.97% · Often 10-25% sponsor equity downUSDA Business Loans
Fixed or variable, negotiated with lender · 10% existing business, 20% new business downNon-QM Loans
6.5% - 10% · 10-25% downBuying an investment property in Texas?
Texas borrowers usually need to pay attention to property taxes, reserve planning, and whether the lender is really comfortable with the local rental story. Before you pick a lender, read the DSCR loans guide, compare quotes on the rates page, and then browse our DSCR loans hub.
All Texas Lenders
260 commercial lenders serving Texas.
VelocitySBA, LLC
SBAIrving, TX
Non-bank SBA preferred lender specializing exclusively in SBA 7(a) loans for commercial real estate acquisition. Focuses on hotel, gas station, and convenience store financing with a streamlined approval process.
T Bank, National Association
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
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
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
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.
North Texas Certified Development Corporation
SBAPlano, TX
Plano, Texas-based Certified Development Company providing SBA 504 loans to small businesses in North Texas. Offers long-term, fixed-rate financing for commercial real estate acquisition and construction.
Texas Capital Bank
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.
CBRE Capital Markets
Dallas, TX
Global CRE services and capital markets. Arranges debt and equity for all commercial property types.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Park Place Finance
TX
Direct private lender with 17+ years experience. $1B+ in loans closed. Bridge loans for fix-and-flip, refinance, and cash-out.
Residential Capital Partners
TX
Hard money lender offering up to 85% LTV with no down payment option. Rates starting at 8.5%. Mixed-use, single-family, and multifamily.
Tidal Loans
Houston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Visio Lending
Austin, TX
Dedicated rental property lender. DSCR-only, specializing in long-term and short-term rental financing for investors. Streamlined process for experienced landlords.
Finance of America
Plano, TX
National lender with DSCR rental property loans through its commercial division. Also offers reverse mortgages and business purpose lending for investors.
MortgageRight
Austin, TX
National wholesale lender with DSCR programs for rental property investors. Offers competitive rates with streamlined processing for investment properties.
Frost Bank
SBASAN ANTONIO, TX
Plains State Bank
SBAHUMBLE, TX
PlainsCapital Bank
SBADALLAS, TX
Gulf Capital Bank
SBAHouston, TX
Greater East Texas Certified Development Company
SBATyler, TX
Global One Bank
SBAHouston, TX
First Commercial Bank, National Association
SBASEGUIN, TX
American Bank, National Association
SBADALLAS, TX
Caprock Business Finance Corporation, Inc.
SBALubbock, TX
Security State Bank and Trust
SBAFREDERICKSBURG, TX
Prosperity Bank
SBAEl Campo, TX
Broadway National Bank
SBASAN ANTONIO, TX
The MINT National Bank
SBAKINGWOOD, TX
Stellar Bank
SBAHouston, TX
First Command Bank
SBAFORT WORTH, TX
Complete Texas Lender Directory
All 260 commercial lenders serving Texas, A–Z.
- A&D Mortgage — Fort Lauderdale, FL
- Academy Bank National Association — KANSAS CITY, MO
- ACC Capital — Little Rock, AR
- Accion Opportunity Fund Community Development — San Jose, CA
- Acore Capital — New York, NY
- Acra Lending
- Alliance Lending Corporation — Fort Worth, TX
- Aloha Capital
- American Bank of Commerce — Wolfforth, TX
- American Continental Bank — City of Industry, CA
- American National Bank and Trust — WICHITA FALLS, TX
- Anchor Loans — Thousand Oaks, CA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Arbor Realty Trust — Uniondale, NY
- Arc Home
- Athas Capital Group
- Atlantic Union Bank — RICHMOND, VA
- b1BANK — BATON ROUGE, LA
- Bank Five Nine — OCONOMOWOC, WI
- Bank of America — Charlotte, NC
- Bank of America, National Association — Charlotte, NC
- Bank of Hope — LOS ANGELES, CA
- Bank of the West — Grapevine, TX
- Bank OZK — LITTLE ROCK, AR
- BankUnited, National Association — MIAMI LAKES, FL
- Bankwell Bank — New Canaan, CT
- Barclays — New York, NY
- BayFirst National Bank — Saint Petersburg, FL
- Berkadia — Ambler, PA
- BOKF, National Association — TULSA, OK
- Broadmark Realty Capital — Seattle, WA
- Brookline Bank, a Division of Beacon Bank and Trust — Brookline, MA
- Byline Bank — CHICAGO, IL
- Cadence Bank — TUPELO, MS
- Capital Bank, National Association — ROCKVILLE, MD
- Capital Community Bank — PROVO, UT
- Capital One, National Association — MCLEAN, VA
- Carrington Mortgage Services — Anaheim, CA
- CDC Small Business Finance Corp. — San Diego, CA
- Celtic Bank Corporation — SALT LAKE CITY, UT
- CenTrust Bank, A Division of SmartBiz Bank National Associat — Northbrook, IL
- Change Lending
- CIBC Bank USA — CHICAGO, IL
- Ciera Bank — GRAHAM, TX
- Citigroup — New York, NY
- Citizens Bank — ELIZABETHTON, TN
- City Bank — LUBBOCK, TX
- City National Bank of Florida — MIAMI, FL
- Civic Financial Services — Redondo Beach, CA
- Climate First Bank — St. Petersburg, FL
- Colony Bank — FITZGERALD, GA
- Commercial Bank of California — IRVINE, CA
- Commercial Bank of Texas N.A. — NACOGDOCHES, TX
- Commonwealth Business Bank — LOS ANGELES, CA
- Community Bank & Trust-West Georgia — LAGRANGE, GA
- ConnectOne Bank — ENGLEWOOD CLIFFS, NJ
- Constitution Lending
- CoreVest Finance — Irvine, CA
- CRF Small Business Loan Company, LLC — MINNEAPOLIS, MN
- CrossCountry Mortgage — Cleveland, OH
- Cushman & Wakefield — Chicago, IL
- Deephaven Mortgage — Charlotte, NC
- Defy Mortgage
- Deutsche Bank — New York, NY
- DreamSpring — Albuquerque, NM
- East West Bank — PASADENA, CA
- Encore Bank — LITTLE ROCK, AR
- Enterprise Bank & Trust — CLAYTON, MO
- Evolve Bank and Trust — WEST MEMPHIS, AR
- Falcon National Bank — FOLEY, MN
- FFB Bank — FRESNO, CA
- Fifth Third Bank — CINCINNATI, OH
- FinWise Bank — SANDY, UT
- First American Bank — ARTESIA, NM
- First Bank of Central Ohio — WORTHINGTON, OH
- First Bank of the Lake — Osage Beach, MO
- First Business Bank — MADISON, WI
- First Capital Bank — Quanah, TX
- First Commonwealth Bank — Indiana, PA
- First Financial Bank — Cincinnati, OH
- First Internet Bank of Indiana — FISHERS, IN
- First National Bank of America — East Lansing, MI
- First National Bank of Pennsylvania — GREENVILLE, PA
- First Pryority Bank — Pryor, OK
- First Savings Bank — Beresford, SD
- First State Bank — New London, WI
- First United Bank and Trust Company — DURANT, OK
- First-Citizens Bank & Trust Company — RALEIGH, NC
- Flagstar Bank — Hicksville, NY
- Florida First Capital Finance Corporation, Inc. — Tallahassee, FL
- FWBank — Chicago, IL
- GBank — LAS VEGAS, NV
- GECU — EL PASO, TX
- Glacier Bank — KALISPELL, MT
- Golden Bank, National Association — HOUSTON, TX
- Goldman Sachs — New York, NY
- Grasshopper Bank National Association — New York, NY
- Great Plains National Bank — ELK CITY, OK
- Greystone — New York, NY
- Griffin Funding
- Groundfloor — Atlanta, GA
- Gulf Coast Bank and Trust Company — NEW ORLEANS, LA
- Hancock Whitney Bank — GULFPORT, MS
- Hanmi Bank — LOS ANGELES, CA
- Hanover Community Bank — Mineola, NY
- Harmony Bank — DALLAS, TX
- Harvest Small Business Finance, LLC — Laguna Hills, CA
- Home Bank, National Association — LAFAYETTE, LA
- HomeTrust Bank — ASHEVILLE, NC
- HomeXpress Mortgage
- iBorrow
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- JPMorgan Chase — New York, NY
- JPMorgan Chase Bank, National Association — Columbus, OH
- KeyBank Real Estate Capital — Cleveland, OH
- Keystone Bank SSB — Bee Cave, TX
- Kiavi — San Francisco, CA
- Kind Lending — Santa Ana, CA
- Lake Forest Bank & Trust Company, National Association — LAKE FOREST, IL
- Lending One — Boca Raton, FL
- Lendistry SBLC, LLC — Los Angeles, CA
- LiftFund, Inc. — San Antonio, TX
- Lima One Capital — Greenville, SC
- Live Oak Banking Company — WILMINGTON, NC
- LoanCore Capital — Hartford, CT
- Lument — New York, NY
- Luxury Mortgage Corp — Stamford, CT
- Magnifi Financial CU — MELROSE, MN
- Meadows Bank — LAS VEGAS, NV
- Merchants & Marine Bank — PASCAGOULA, MS
- Merchants Bank of Indiana — CARMEL, IN
- Merchants Capital — Indianapolis, IN
- Mesa West Capital — Los Angeles, CA
- Metro City Bank — DORAVILLE, GA
- MidFirst Bank — OKLAHOMA CITY, OK
- Midwest Regional Bank — FESTUS, MO
- Milestone Bank — Salt Lake City, UT
- Mission Valley Bank — SUN VALLEY, CA
- Morgan Stanley — New York, NY
- New American Funding — Tustin, CA
- New Silver Lending
- Newfi Wholesale — Emeryville, CA
- Newmark — New York, NY
- Newtek Bank, National Association — Miami, FL
- Nizari Progressive FCU — SUGAR LAND, TX
- North American Savings Bank — Kansas City, MO
- North State Bank — RALEIGH, NC
- Northeast Bank — MINNEAPOLIS, MN
- Northmarq — Minneapolis, MN
- Northwest Bank — SPENCER, IA
- Oaktree Funding
- Oconee State Bank — WATKINSVILLE, GA
- One World Bank — DALLAS, TX
- Open Bank — LOS ANGELES, CA
- OptimumBank — FORT LAUDERDALE, FL
- Ozona Bank — OZONA, TX
- Pathward National Association — SIOUX FALLS, SD
- PCB Bank — LOS ANGELES, CA
- PeopleFund — Austin, TX
- Peoples Bank — BELLINGHAM, WA
- Planet Home Lending — Meriden, CT
- Planters Bank and Trust Company — INDIANOLA, MS
- PNC Bank, National Association — WILMINGTON, DE
- PNC Real Estate — Pittsburgh, PA
- Port 51 Lending LLC — New York, NY
- Primis Bank — TAPPAHANNOCK, VA
- Quaint Oak Bank — Southampton, PA
- Quontic Bank — New York, NY
- R Bank — ROUND ROCK, TX
- RCN Capital — South Windsor, CT
- Ready Capital — New York, NY
- Readycap Lending, LLC — BERKELEY HEIGHTS, NJ
- Regent Bank — TULSA, OK
- Regions Bank — BIRMINGHAM, AL
- Residential Mortgage Solutions
- Roc Capital — New York, NY
- Rocket Mortgage — Detroit, MI
- Sabal Capital Partners — Pasadena, CA
- Seacoast National Bank — STUART, FL
- Security National Bank of Omaha — Omaha, NE
- Shinhan Bank America — New York, NY
- Shoreham Bank — Warwick, RI
- Southern Bancorp Bank — Arkadelphia, AR
- SouthStar Bank, S.S.B. — MOULTON, TX
- SouthState Bank, National Association — WINTER HAVEN, FL
- Spectra Bank — FORT WORTH, TX
- Sprout Mortgage — New York, NY
- Stbridge Capital — Los Angeles, CA
- Stearns Bank National Association — SAINT CLOUD, MN
- Stone Bank — MOUNTAIN VIEW, AR
- Susser Bank — Dallas, TX
- TD Bank — Cherry Hill, NJ
- Temple View Capital
- Texas Bank — HENDERSON, TX
- Texas Champion Bank — CORPUS CHRISTI, TX
- Texas First Bank — TEXAS CITY, TX
- The American National Bank of Texas — TERRELL, TX
- The Bancorp Bank National Association — Sioux Falls, SD
- The Bank of Edison — EDISON, GA
- The Huntington National Bank — COLUMBUS, OH
- Third Coast Bank — Humble, TX
- TowneBank — PORTSMOUTH, VA
- Triad Financial Services — Jacksonville, FL
- Truist Bank — Charlotte, NC
- Truliant FCU — Winston-Salem, NC
- Truss Financial Group
- Trustmark Bank — JACKSON, MS
- U.S. Bank, National Association — Cincinnati, OH
- UMB Bank, National Association — KANSAS CITY, MO
- United Community Bank — Greenville, SC
- United Midwest Savings Bank National Association — DE GRAFF, OH
- US Bank — Minneapolis, MN
- US Metro Bank — GARDEN GROVE, CA
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Vaster — Miami, FL
- Velocity Mortgage Capital — Westlake Village, CA
- VeraBank National Association — HENDERSON, TX
- Verus Mortgage Capital — Washington, DC
- Vista National Bank and Trust — Harveyville, KS
- WaFd Bank — SEATTLE, WA
- Walker & Dunlop — Bethesda, MD
- Wells Fargo — San Francisco, CA
- Wells Fargo Bank National Association — Sioux Falls, SD
- Western Commerce Bank — CARLSBAD, NM
- WestStar Bank — El Paso, TX
- Woori America Bank — New York, NY
- Zions Bank, A Division of — SALT LAKE CITY, UT
Commercial Lending in Texas
Texas has the second-largest state economy in the U.S., with major metros including Houston, Dallas-Fort Worth, Austin, and San Antonio each offering distinct economic drivers. The state's lack of income tax and business-friendly environment have attracted massive corporate relocations.
Texas has no state income tax but relies heavily on property taxes, and commercial property tax rates are among the highest in the nation at 2% to 3% of assessed value, making aggressive tax appeals and Chapter 313 value limitations important strategies for CRE investors. The state's non-judicial foreclosure process can be completed in as little as 27 days, providing exceptionally strong lender protections. Texas does not recognize statutory redemption rights after foreclosure sale, which combined with the fast process timeline gives commercial lenders one of the most favorable foreclosure environments in the country.
Key Industries
Foreclosure Type
Non-judicial
Foreclosures proceed outside the court system, typically faster (2-6 months).