Local lending data
Who lends to businesses in Montgomery County?
500 SBA 7(a) loans went to businesses in Montgomery County recently, at a median of $250,000. The lenders that made them, ranked, with local rates and startup share.
500 SBA 7(a) loans went to businesses in Montgomery County in the most recent fiscal years, at a median of $250,000. The most active lender was Zions Bank, with 66 loans.
SBA lending in Montgomery County, by the numbers
Every figure here is computed from SBA 7(a) loan-level FOIA data released 2026-06-30 — loans that were actually approved to businesses in this county, not advertised ranges.
| Measure | Montgomery County | Texas | National |
|---|---|---|---|
| Loans approved | 500 | 16,423 | 214,102 |
| Median loan | $250,000 | $292,000 | $150,000 |
| 25th - 75th percentile | $115,750 - $606,850 | $115,000 - $721,000 | $50,000 - $500,000 |
| Median term | 10 years | 10 years | 10 years |
| Median initial rate | 10.25% | 10.25% | 10.25% |
| Share to startups | 40.6% | 41.0% | 33.6% |
| Charge-off rate, FY2010-19 | 8.9% | 9.2% | 7.1% |
| Jobs supported | 5,446 | 201,805 | 2,142,602 |
Which lenders actually funded them
Ranked by loans approved to businesses in Montgomery County. The median, startup share and rate columns describe each lender's own loans in this county, not its national averages.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| Zions Bank | 66 | $118,000 | 35% | 11.12% |
| The Huntington National Bank | 61 | $254,000 | 70% | 10.25% |
| JPMorgan Chase Bank | 25 | $200,000 | 0% | 11.25% |
| Wells Fargo Bank | 23 | $15,000 | 74% | 13.00% |
| Live Oak Banking Company | 23 | $745,000 | 30% | 9.50% |
| Newtek Bank | 23 | $350,000 | 17% | 10.75% |
| Readycap Lending, LLC | 18 | $50,000 | 6% | 13.25% |
| First Bank of the Lake | 17 | $201,000 | 59% | 11.25% |
| BayFirst National Bank | 15 | $150,000 | 0% | 12.25% |
| United Midwest Savings Bank | 14 | $150,000 | 86% | 10.25% |
What stands out here
Reading these figures against the national picture:
- Loans here run larger than average. The median of $250,000 is 67% above the $150,000 national median. Expect lenders in this market to be geared toward bigger deals, and expect a small request to get less attention.
- Startup share is about average, at 41% against 34% nationally.
- No single lender dominates, but the top three made 30% of these loans, so the shortlist below covers most of the active market.
Who borrows in Montgomery County
The mix of industries taking SBA loans here, led by construction.
| Sector | Loans | Share |
|---|---|---|
| Construction | 71 | 14.2% |
| Healthcare | 66 | 13.2% |
| Professional Services | 55 | 11.0% |
| Retail | 53 | 10.6% |
| Personal Services | 52 | 10.4% |
| Restaurants and Hotels | 44 | 8.8% |
| Arts and Recreation | 40 | 8.0% |
| Admin Services | 36 | 7.2% |
How to use this
- Shortlist three lenders from the table whose median loan in this county is close to what you need. Size match matters more than brand.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year — see choosing an SBA lender.
- Check your coverage first with the affordability calculator, so you ask for a number your cash flow supports.
- Follow your sector link in the table above for lender data specific to your industry across Texas.
Other counties in Texas
- Nearby markets with published data: Harris County, Dallas County, Tarrant County, Collin County, Travis County, Bexar County, Denton County, Fort Bend County