Bank of Houston

Headquartered in Houston, MOthebankofhouston.com$64M in assetsFounded 18892 officesData: SBA 7(a) FOIA file

Loans: 15
Approved: $17M
Median deal: $882,500
Median rate: 9.50%

Loans per fiscal year

FY2026 is partial: 9 loans approved through June 30, 2026.

Loans per fiscal year
Fiscal year	Loans
FY2020	0
FY2021	3
FY2022	13
FY2023	7
FY2024	17
FY2025	6
FY2026 (partial year, through June 30, 2026)	9

How they lend

Across 15 change-of-ownership loans, FY2025 to FY2026 Q3.

Acquisition share of their 7(a) lending

Acquisitions 55 (36.7%)Other purposes 95 (63.3%)

Their full 7(a) book since FY2020 is 150 loans. Every other figure on this page counts the 55 acquisition loans only.

Initial rate structure

Variable 100.00%Fixed 0.00%

Middle half of rates: 9.13% to 9.88%
Typical margin over Prime: Prime + 2.25% at approval (15 variable loans)
Median term: 120 months
Collateral reported: 100.00% of loans
Sold on the secondary market: 80.00% of loans
Franchise loans: 33.33% of loans
Approval to first disbursement: 24 days (n = 15)

Processing method

Preferred Lenders Program		80.00%
7a General		20.00%

SBA processing-method labels as they appear in the loan file, as shares of this lender’s window loans.

What they fund

Industries and deal sizes across 15 change-of-ownership loans, FY2025 to FY2026 Q3.

Top industries

Health Care and Social Assistance		20.00%
Retail Trade		20.00%
Administrative and Support and Waste Management and Remediation Services		13.33%
Construction		13.33%
Other Services (except Public Administration)		13.33%

Deal size mix

Under $350K 6.67%$350K to $1M 46.67%$1M to $3.5M 46.67%$3.5M+ 0.00%

Sectors from each loan’s NAICS code; deal sizes from gross approval amounts. Window loans only.

Where they lend

Top states by this lender’s change-of-ownership loans, FY2025 to FY2026 Q3.

Missouri13 loans
Illinois2 loans

Grouped by ProjectState. State names link to the state lender pages where one exists.

Run a deal at these rates

The deal analyzer prices an acquisition with current SBA terms and shows whether the numbers cover the debt.

Open the deal analyzer

The full lender directory

Every 7(a) acquisition lender in the country, searchable and sortable, with loan counts, medians, and rates.

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Source: SBA 7(a) FOIA file, change-of-ownership loans for Bank of Houston. Window stats cover FY2025 to FY2026 Q3, as of June 30, 2026, and refresh with each quarterly cut. Rates and rate quartiles are the rates at approval. Website, headquarters, assets, founding year, and office count come from the FDIC BankFind Suite API and, for credit unions, the NCUA Credit Union Locator (public US government data). Methodology. See an error? Email us and we will correct it.