SBA 7(a) lenders in Grayson, TX

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.

Lenders

81 institutions have SBA 7(a) loans on record in Grayson, together $223.0M across 267 loans. Live Oak Banking Company is the largest, with 11% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	Live Oak Banking Company	14	$25.6M	11.5%	0.00%
2	Metro City Bank	13	$23.3M	10.5%	0.00%
3	Readycap Lending, LLC	9	$15.5M	7.0%	0.00%
4	First United Bank and Trust Company	24	$10.4M	4.7%	0.00%
5	Wells Fargo Bank National Association	16	$10.1M	4.5%	2.41%
6	Midwest Regional Bank	3	$7.1M	3.2%	0.00%
7	Commonwealth Business Bank	4	$7.0M	3.1%	0.00%
8	First Internet Bank of Indiana	5	$6.5M	2.9%	0.00%
9	Regions Bank	4	$6.1M	2.7%	0.00%
10	PNC Bank, National Association	10	$5.9M	2.6%	2.76%
11	US Metro Bank	4	$5.8M	2.6%	0.00%
12	First Bank of the Lake	3	$5.2M	2.3%	0.00%
13	GBank	1	$5.0M	2.2%	0.00%
14	Open Bank	1	$5.0M	2.2%	0.00%
15	Enterprise Bank & Trust	2	$5.0M	2.2%	0.00%
16	Byline Bank	1	$4.7M	2.1%	0.00%
17	Newtek Small Business Finance, Inc.	10	$4.4M	2.0%	0.00%
18	Newtek Bank, National Association	9	$4.3M	1.9%	0.00%
19	First National Bank of Pennsylvania	4	$4.1M	1.8%	0.00%
20	Security National Bank of Omaha	3	$3.8M	1.7%	0.00%
21	SouthState Bank, National Association	3	$3.7M	1.7%	0.00%
22	PromiseOne Bank	4	$3.4M	1.5%	0.00%
23	First Bank	3	$3.3M	1.5%	0.00%
24	One World Bank	3	$3.1M	1.4%	10.89%
25	Sunflower Bank National Association	3	$2.9M	1.3%	0.00%
26	PlainsCapital Bank	3	$2.8M	1.2%	0.00%
27	U.S. Bank, National Association	4	$2.6M	1.2%	0.00%
28	T Bank, National Association	1	$2.5M	1.1%	0.00%
29	Celtic Bank Corporation	1	$2.2M	1.0%	0.00%
30	Wallis Bank	3	$2.1M	0.9%	0.00%
31	AmeriState Bank	5	$1.8M	0.8%	0.00%
32	Bank of the West	1	$1.8M	0.8%	0.00%
33	Bank of Hope	6	$1.7M	0.8%	0.00%
34	Stearns Bank National Association	3	$1.5M	0.7%	25.85%
35	Gulf Coast Bank and Trust Company	2	$1.3M	0.6%	0.00%
36	Hanmi Bank	3	$1.3M	0.6%	13.24%
37	United Community Bank	1	$1.2M	0.5%	0.00%
38	Texas Bank	4	$1.1M	0.5%	0.00%
39	The Huntington National Bank	6	$1.0M	0.5%	0.00%
40	Woori America Bank	1	$980K	0.4%	0.00%
41	Colony Bank	1	$897K	0.4%	0.00%
42	Citizens National Bank of Texas	1	$844K	0.4%	35.38%
43	Vision Bank	2	$817K	0.4%	0.00%
44	PCB Bank	1	$766K	0.3%	0.00%
45	The First National Bank of McGregor d/b/a TFNB Your Bank for Life	1	$764K	0.3%	0.00%
46	United Midwest Savings Bank National Association	5	$750K	0.3%	0.00%
47	JPMorgan Chase Bank, National Association	11	$747K	0.3%	2.67%
48	BayFirst National Bank	5	$685K	0.3%	11.91%
49	Plains State Bank	1	$675K	0.3%	0.00%
50	Zions Bank, A Division of	1	$665K	0.3%	0.00%
51	Pathward National Association	1	$639K	0.3%	0.00%
52	Citizens Bank	2	$630K	0.3%	0.00%
53	VelocitySBA, LLC	5	$557K	0.2%	0.78%
54	Shinhan Bank America	1	$400K	0.2%	0.00%
55	Paragon Bank	1	$386K	0.2%	0.00%
56	First Horizon Bank	1	$375K	0.2%	0.00%
57	The American National Bank of Texas	1	$367K	0.2%	0.00%
58	CRF Small Business Loan Company, LLC	1	$350K	0.2%	0.00%
59	Customers Bank	1	$350K	0.2%	0.00%
60	First National Bank of Omaha	1	$350K	0.2%	0.00%
61	BancFirst	1	$349K	0.2%	0.00%
62	American First National Bank	1	$340K	0.2%	0.00%
63	Commercial Bank of Texas N.A.	1	$325K	0.1%	0.00%
64	Simmons Bank	1	$300K	0.1%	0.00%
65	InBank	1	$300K	0.1%	0.00%
66	Triad Bank, National Association	1	$288K	0.1%	42.23%
67	Bank Five Nine	1	$283K	0.1%	0.00%
68	LiftFund, Inc.	1	$270K	0.1%	0.00%
69	First Commonwealth Bank	1	$216K	0.1%	0.00%
70	Fifth Third Bank	1	$202K	0.1%	0.00%
71	First Texoma National Bank	1	$150K	0.1%	0.00%
72	Five Star Bank	1	$150K	0.1%	0.00%
73	First Mid Bank & Trust, National Association	1	$150K	0.1%	0.00%
74	CenTrust Bank, A Division of SmartBiz Bank National Association	1	$150K	0.1%	0.00%
75	Accion Opportunity Fund Community Development	1	$150K	0.1%	0.00%
76	Texas Republic Bank National Association	1	$145K	0.1%	0.00%
77	The First National Bank of Tom Bean	1	$134K	0.1%	109.75%
78	Northeast Bank	2	$129K	0.1%	0.00%
79	Heritage Bank Inc	1	$111K	0.0%	0.00%
80	BOKF, National Association	1	$100K	0.0%	91.24%
81	Bank of America, National Association	2	$22K	0.0%	14.95%

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	39	$55.6M	24.9%
2	Retail trade	47	$48.2M	21.6%
3	Health care & social assistance	42	$23.7M	10.6%
4	Other services	30	$15.2M	6.8%
5	Professional & technical services	19	$14.2M	6.4%
6	Construction	28	$13.3M	6.0%
7	Retail trade	9	$9.8M	4.4%
8	Real estate & leasing	7	$7.1M	3.2%
9	Manufacturing	4	$7.0M	3.1%
10	Manufacturing	6	$6.1M	2.7%
11	Finance & insurance	6	$6.0M	2.7%
12	Wholesale trade	3	$5.0M	2.2%
13	Arts, entertainment & recreation	3	$4.2M	1.9%
14	Administrative & waste services	10	$3.6M	1.6%
15	Management of companies	1	$1.7M	0.8%
16	Transportation & warehousing	5	$891K	0.4%
17	Manufacturing	3	$597K	0.3%
18	Educational services	2	$550K	0.2%
19	Information	1	$138K	0.1%
20	Mining & extraction	1	$50K	0.0%
21	Utilities	1	$50K	0.0%

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.