SBA 7(a) lenders in Gaines, TX
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
18 institutions have SBA 7(a) loans on record in Gaines, together $16.3M across 33 loans. American Momentum Bank is the largest, with 55% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | American Momentum Bank | 11 | $9.0M | 55.2% | 1.40% |
| 2 | PCB Bank | 1 | $3.0M | 18.2% | 0.00% |
| 3 | Western Commerce Bank | 2 | $1.3M | 7.8% | 0.00% |
| 4 | Community Banks of Colorado, A Division of NBH Bank | 3 | $634K | 3.9% | 0.00% |
| 5 | Banesco USA | 1 | $430K | 2.6% | 0.00% |
| 6 | Lendistry SBLC, LLC | 1 | $350K | 2.2% | 0.00% |
| 7 | The Huntington National Bank | 1 | $350K | 2.2% | 0.00% |
| 8 | First American Bank | 1 | $309K | 1.9% | 0.00% |
| 9 | UMB Bank, National Association | 1 | $250K | 1.5% | 0.00% |
| 10 | The Bancorp Bank National Association | 1 | $248K | 1.5% | 0.00% |
| 11 | Cornerstone Capital Bank SSB | 1 | $135K | 0.8% | 0.00% |
| 12 | PlainsCapital Bank | 1 | $100K | 0.6% | 0.00% |
| 13 | Lea County State Bank | 1 | $100K | 0.6% | 0.00% |
| 14 | Newtek Bank, National Association | 1 | $55K | 0.3% | 0.00% |
| 15 | Wells Fargo Bank National Association | 3 | $50K | 0.3% | 18.90% |
| 16 | JPMorgan Chase Bank, National Association | 1 | $21K | 0.1% | 0.00% |
| 17 | Bank of America, National Association | 1 | $20K | 0.1% | 0.00% |
| 18 | VelocitySBA, LLC | 1 | $10K | 0.1% | 0.00% |
Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.
What the money went into
| Rank | Industry | Loans | Approved | Share of county |
|---|---|---|---|---|
| 1 | Wholesale trade | 5 | $3.9M | 24.0% |
| 2 | Retail trade | 2 | $3.4M | 20.8% |
| 3 | Other services | 3 | $2.5M | 15.2% |
| 4 | Information | 1 | $1.2M | 7.4% |
| 5 | Finance & insurance | 1 | $1.1M | 7.0% |
| 6 | Accommodation & food services | 1 | $1.1M | 6.9% |
| 7 | Retail trade | 3 | $888K | 5.5% |
| 8 | Mining & extraction | 4 | $578K | 3.6% |
| 9 | Construction | 4 | $514K | 3.2% |
| 10 | Manufacturing | 1 | $350K | 2.2% |
| 11 | Utilities | 1 | $300K | 1.8% |
| 12 | Arts, entertainment & recreation | 1 | $165K | 1.0% |
| 13 | Transportation & warehousing | 3 | $136K | 0.8% |
| 14 | Administrative & waste services | 1 | $55K | 0.3% |
| 15 | Manufacturing | 1 | $50K | 0.3% |
| 16 | Professional & technical services | 1 | $10K | 0.1% |
Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.
About this data
Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.