Markets · Houston · Industrial
Best Banks for Industrial Loans in Houston, TX
Who is actually financing industrial in Houston (Harris County) — built from county-recorded deeds of trust, SBA loan-level FOIA data, quarterly regulatory filings, and cited rate observations. No submissions, no sponsorships, no pay-to-play.
Lenders recording industrial loans in Houston
Named lenders with commercial deeds of trust classified as industrial, recorded in Houston (Harris County) over the last 90 days — county-record-verified closings, not marketing claims.
| # | Lender | Recorded industrial loans (90d) |
|---|---|---|
| 1 | Wells Fargo Bank | 2 |
| 2 | Bank of America | 1 |
| 3 | BankPlus | 1 |
| 4 | Capital Bank | 1 |
| 5 | Citi Real Estate Funding Inc | 1 |
| 6 | Citibank | 1 |
| 7 | City Bank | 1 |
| 8 | Cornerstone Capital Bank, SSB | 1 |
| 9 | First Horizon Bank | 1 |
| 10 | Foresight Bank | 1 |
874 additional commercial recordings in Houston (Harris County) over the same window are not yet classified by property type — some of those are likely industrial. The all-types view is on the Houston rates page.
SBA lenders active in Houston
Most active SBA 7(a)/504 lenders for Houston (Harris County) projects over the last 12 months, from SBA loan-level FOIA data — with the real median initial rate on their approvals. SBA loans finance owner-occupied commercial real estate, including industrial where eligible.
| # | Lender | SBA loans (12mo) | Median initial rate |
|---|---|---|---|
| 1 | Zions Bank, A Division of | 44 | 9.25% |
| 2 | Northeast Bank | 39 | 10% |
| 3 | Huntington National Bank | 35 | 9.5% |
| 4 | Newtek Bank, National Association | 32 | 9.88% |
| 5 | Live Oak Banking Company | 23 | 8.75% |
Current Houston industrial rate ranges
Rows marked Metro curve reflect Houston-specific observations; Texas curve rows are state-level, shown because no published source prices Houston industrial differently for that profile. Full grid, methodology, and sources on the Houston commercial mortgage rates page.
| Business plan | Rate range | Scope | As of |
|---|---|---|---|
| Stabilized | 6.22% – 7.17% | Metro curve | Aug 21, 2026 |
| Value-add / rehab | 7.5% – 10.5% | Texas curve | Jul 2, 2026 |
| Lease-up | 7.75% – 11% | Texas curve | Jul 2, 2026 |
Biggest Texas industrial loan books
Texas-headquartered banks ranked by non-owner-occupied CRE loan balances from their latest FFIEC Call Report. A big book signals institutional commitment to the asset class — statewide, not Houston-specific. Call Reports do not break out retail, office, or industrial separately — this ranks banks by their non-owner-occupied nonfarm nonresidential CRE book (the line that contains this property type). Construction lending is excluded.
| # | Bank | Non-owner-occ. CRE loans | Quarter |
|---|---|---|---|
| 1 | Prosperity Bank | $3.9B | Q1 2026 |
| 2 | Frost Bank | $3.2B | Q1 2026 |
| 3 | State Bank of Texas | $2.0B | Q1 2026 |
| 4 | PlainsCapital Bank | $1.8B | Q1 2026 |
| 5 | International Bank of Commerce | $1.7B | Q1 2026 |
| 6 | Woodforest National Bank | $1.7B | Q1 2026 |
| 7 | Southside Bank | $1.7B | Q1 2026 |
| 8 | Texas Capital Bank | $1.6B | Q1 2026 |
What terms could your Houston industrial property get?
Get a rate and structure range tuned to your deal size and occupancy — plus how many lenders are actively closing loans like it.
Estimate my termsMarket-level observations, not a loan offer, quote, or commitment. Actual pricing and appetite depend on full underwriting of the property, sponsor, and market conditions at application. This page is operated by RefiLoop, a commercial mortgage brokerage; RefiLoop is not a lender and does not make credit decisions.