Markets · San Antonio · Retail
Best Banks for Retail Loans in San Antonio, TX
Who is actually financing retail in San Antonio (Bexar 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 retail loans in San Antonio
No San Antonio (Bexar County) recordings have been classified as retail in the last 90 days. Property-type classification runs on recorded legal descriptions, so named lenders appear here automatically as classified recordings land.
66 additional commercial recordings in San Antonio (Bexar County) over the same window are not yet classified by property type — some of those are likely retail. The all-types view is on the San Antonio rates page.
SBA lenders active in San Antonio
Most active SBA 7(a)/504 lenders for San Antonio (Bexar 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 retail where eligible.
| # | Lender | SBA loans (12mo) | Median initial rate |
|---|---|---|---|
| 1 | Northeast Bank | 16 | 10.25% |
| 2 | Newtek Bank, National Association | 15 | 10.25% |
| 3 | Huntington National Bank | 13 | 9.75% |
| 4 | Zions Bank, A Division of | 10 | 9.63% |
| 5 | Live Oak Banking Company | 9 | 9% |
Current San Antonio retail rate ranges
Rows marked Metro curve reflect San Antonio-specific observations; Texas curve rows are state-level, shown because no published source prices San Antonio retail differently for that profile. Full grid, methodology, and sources on the San Antonio commercial mortgage rates page.
| Business plan | Rate range | Scope | As of |
|---|---|---|---|
| Stabilized | 6.12% – 7.02% | Texas curve | Jul 2, 2026 |
| Value-add / rehab | 7.75% – 11% | Texas curve | Jul 2, 2026 |
| Lease-up | 8% – 11.5% | Texas curve | Jul 2, 2026 |
Biggest Texas retail 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 San Antonio-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 San Antonio retail 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.