SBA 7(a) lenders in Gray, TX
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
15 institutions have SBA 7(a) loans on record in Gray, together $22.2M across 44 loans. Wallis Bank is the largest, with 20% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Wallis Bank | 1 | $4.5M | 20.1% | 0.00% |
| 2 | Centennial Bank | 23 | $4.4M | 19.9% | 1.83% |
| 3 | Live Oak Banking Company | 2 | $2.6M | 11.8% | 0.00% |
| 4 | Commonwealth Business Bank | 1 | $2.5M | 11.1% | 0.00% |
| 5 | PNC Bank, National Association | 1 | $2.0M | 9.2% | 0.00% |
| 6 | National Cooperative Bank, National Association | 1 | $1.8M | 8.2% | 0.00% |
| 7 | Wells Fargo Bank National Association | 1 | $1.4M | 6.5% | 75.01% |
| 8 | UMB Bank, National Association | 6 | $1.1M | 5.2% | 0.00% |
| 9 | Gulf Coast Bank and Trust Company | 1 | $402K | 1.8% | 0.00% |
| 10 | Vision One CU | 1 | $345K | 1.6% | 0.00% |
| 11 | Commercial Bank of Texas N.A. | 1 | $325K | 1.5% | 0.00% |
| 12 | Lendistry SBLC, LLC | 1 | $220K | 1.0% | 0.00% |
| 13 | Stearns Bank National Association | 1 | $195K | 0.9% | 0.00% |
| 14 | United Midwest Savings Bank National Association | 1 | $150K | 0.7% | 89.07% |
| 15 | First Bank and Trust of Memphis, A Division of Bank19 | 2 | $144K | 0.6% | 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 | Accommodation & food services | 5 | $7.3M | 32.7% |
| 2 | Retail trade | 8 | $3.3M | 14.9% |
| 3 | Other services | 8 | $3.2M | 14.3% |
| 4 | Professional & technical services | 2 | $2.7M | 12.3% |
| 5 | Construction | 3 | $2.0M | 8.9% |
| 6 | Health care & social assistance | 3 | $1.2M | 5.5% |
| 7 | Agriculture, forestry & fishing | 2 | $805K | 3.6% |
| 8 | Manufacturing | 3 | $414K | 1.9% |
| 9 | Administrative & waste services | 2 | $408K | 1.8% |
| 10 | Manufacturing | 1 | $325K | 1.5% |
| 11 | Retail trade | 4 | $240K | 1.1% |
| 12 | Transportation & warehousing | 1 | $220K | 1.0% |
| 13 | Mining & extraction | 1 | $115K | 0.5% |
| 14 | Wholesale trade | 1 | $22K | 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.