Lender · SBA 7(a) record
Lone Star National Bank
TX · lends in 1 state · 152 SBA loans since 2010, 52 in the last five years.
How fast they approve. Lone Star National Bank made 0% of its recent 7(a) loans under Preferred Lender (PLP) authority and 0% through SBA Express; the remainder went through the SBA's general review. Ask whether your specific loan would be delegated or sent to the SBA. Why approval speed comes down to the lender.
What stands out about Lone Star National Bank
vs every other SBA lenderIt leans into one industry. 12% of Lone Star National Bank's loans go to fitness and recreational sports centers — roughly 4× the share you would expect, so it clearly knows that business.
Lone Star National Bank lives at the small end. Its median loan is just $111k, well under the $347k typical of SBA lenders — one of the banks genuinely willing to write small.
Lone Star National Bank is startup-heavy. 83% of its loans are startups, well above the norm — a good sign if that is your deal.
This read is built from 52 funded 7(a) loans over the last five fiscal years; outside its core states the sample thins out, so weigh the rest accordingly.
Will they talk to you?
loan sizes fundedThe spread of loan sizes tells you where this lender is comfortable. Ask for something far outside it and expect friction.
Do they fund businesses like yours?
last 5 yearsA lender who already knows your industry asks better questions and closes faster. One who doesn't will treat your file as an education.
Middle of the road on risk
2.13% charged off, close to the 2.11% across all SBA lending. Neither unusually tight nor unusually loose.
What rate people got
median markup over primeThe median borrower here paid prime + 1.59%. Compare that against what you have been quoted — the markup is the negotiable part, and most borrowers never try.
Their loans, year by year
cumulative % of dollars charged off| Approved | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yr 6 | Yr 7 | Yr 8 | Yr 9 | Yr 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | · | · | · | · | · | · | · | · | · | · |
Each row is one year's lending. Read down a column to compare years at the same age — that is the only fair comparison, because losses take three to five years to appear and a fast-growing lender always looks clean on a raw average.
What this page cannot tell you
Federal records show what was approved, not how long it took, how the bank communicated, or whether your loan officer returned calls. Ask any lender directly: are you a preferred lender, how many deals like mine did you close last year, and who underwrites it.
Check your eligibility first → Decode what they say to you →
Lenders worth comparing against this one
Picked for writing loans of a similar size in similar places.
Common questions
Does Lone Star National Bank make SBA startup and acquisition loans?
Yes — its recent SBA 7(a) record includes 25 startups. If your deal is one of these, it has funded that kind of loan many times before. See how it ranks for your exact deal.
What is the smallest SBA loan Lone Star National Bank will make?
Its practical minimum — the 5th percentile of what it has actually funded — is about $25,000, and the typical (median) Lone Star National Bank loan is $111,200. If your loan is well below its practical minimum, it is unlikely to be interested however strong your file.
What interest rate do Lone Star National Bank SBA borrowers get?
On variable-rate loans, recent Lone Star National Bank borrowers paid a median of prime + 1.59%. The markup over prime is the negotiable part of any SBA quote. Check a rate you have been quoted.
What states does Lone Star National Bank lend in?
Most of Lone Star National Bank's recent SBA lending is concentrated in Texas. Compare lenders by state.