Gas Station Feasibility Study in the Houston-Pasadena-The Woodlands, TX Metro Area
What SBA's own loan files show about gas station and truck stop lending in the Houston-Pasadena-The Woodlands, TX Metro Area, and what a feasibility study for a project there has to test.
Sizing up 306 Houston loans
Houston gas station and truck stop loans are large, and that comes first here. Some $641.8 million in approved dollars stand behind 306 loans in the Houston, TX area between FY2017 and FY2026. Around a median of $1.9 million, the middle half of loans runs $1.0 million through $2.8 million. Beside the class nationally, Houston-Pasadena-The Woodlands's median is 1.77x of the national median, above it.
Houston's rank and program mix
In Houston the split by program reads 290 for 7(a) against 16 for 504, with 7(a) ahead. In Houston-Pasadena-The Woodlands, 47.1% of the 306 loans carry a franchise brand. Houston is 3 of 600 among metro and micro areas, and within Houston the class itself is 6 of 39. The Houston quotient is 2.07x, which puts the class denser in Houston-Pasadena-The Woodlands than nationally. Harris County, TX tops the county list at 189 loans; Montgomery County, TX follows with 31, then Brazoria County, TX with 23.
Houston lenders, years and the $641.8 million record
Houston approvals were highest in FY2021 (78 loans, $169.9 million) and lowest in FY2019 (12 loans, $15.7 million). Among 7(a) holders of gas station and truck stop loans, Wallis Bank, 97 loans, $227.4 million; Home Bank, National Association, 25 loans, $51.9 million; Metro City Bank, 22 loans, $29.4 million. Treat Wallis Bank's $227.4 million as a ledger of holdings, not a profile of how Wallis Bank lends. Houston, TX 504 entries: North Texas Certified Development Corporation, 7 loans, $10.1 million. A floor of 16.4% of Houston approvals ended in cancellation, and the ceiling is held back by Loan Analytics; that is not zero. Do not read the missing Houston charge-off rate as a clean file; the cohort inside the 306 loans is too small to state one.
What a Houston study must test at $1.9 million
For gas station and truck stop in Houston, the first question is in-store sales, the share of repeat customers and the traffic count at the site, measured site by site. The Houston, TX build or purchase has to absorb the canopy, dispensers and tanks, and Houston, TX figures ought to replace national rules of thumb. Houston earnings should be stressed at a $1.0 million loan and again at a $2.8 million loan, with coverage checked at each. The Houston appraisal is the last gate: it must support environmental condition, the land and tanks and dispensers, and the Houston-Pasadena-The Woodlands study should show each first. The $641.8 million Houston file is a yardstick, not a forecast across Houston, and promises no Houston borrower approval.
How to read Houston-Pasadena-The Woodlands's $641.8 million
Houston gets its 306 loans through each project's county. Counties such as Harris County, TX join Houston, TX by name under the July 2023 delineation. In Houston-Pasadena-The Woodlands, 306 fuel loans keep truck stops inside the class, and electric vehicle charging has no 2022 code at all. Houston cancellation covers FY2017 to FY2024 approvals here in Houston; charge-offs cover FY2017 to FY2021 disbursements.
SBA gas station and truck stop loans in the Houston-Pasadena-The Woodlands, TX Metro Area
| Loans approved, FY2017 to FY2026 | 306 |
|---|---|
| Gross dollars approved | $641.8 million |
| Median loan | $1.9 million |
| Middle half of loans, from | $1.0 million |
| Middle half of loans, to | $2.8 million |
| SBA 7(a) loans | 290 |
| SBA 504 loans | 16 |
| Franchise share of loans | 47.1% |
| Rank among metro and micro areas for gas station and truck stop loans | 3 of 600 |
| Rank of gas station and truck stop among the classes in this area | 6 of 39 |
| Location quotient (share of loans against the national share) | 2.07x |
| Median loan against the national median for the class | 1.77x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 16.4% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA gas station and truck stop loans approved in the Houston-Pasadena-The Woodlands, TX Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 41 | $59.5 million |
| FY2018 | 26 | $40.7 million |
| FY2019 | 12 | $15.7 million |
| FY2020 | 34 | $72.5 million |
| FY2021 | 78 | $169.9 million |
| FY2022 | 18 | $37.2 million |
| FY2023 | 25 | $62.2 million |
| FY2024 | 22 | $57.9 million |
| FY2025 | 24 | $56.0 million |
| FY2026 | 26 | $70.1 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| North Texas Certified Development Corporation | 7 | $10.1 million |
| Lender | Loans | Dollars |
|---|---|---|
| Wallis Bank | 97 | $227.4 million |
| Home Bank, National Association | 25 | $51.9 million |
| Metro City Bank | 22 | $29.4 million |
| The MINT National Bank | 20 | $46.3 million |
| Bank of the Orient | 17 | $36.3 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
Where the loans are, by county
| County | Loans |
|---|---|
| Harris County, TX | 189 |
| Montgomery County, TX | 31 |
| Brazoria County, TX | 23 |
| Fort Bend County, TX | 22 |
| Galveston County, TX | 17 |
| Liberty County, TX | 14 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
The code is the borrower's industry. Truck stop or travel center cannot be split out. EV charging has no entry in the 2022 NAICS index.
Shared code: Truck stops and travel centers sit inside 457120 with gas stations that have no convenience store.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-26420-C01.
Related feasibility study pages
- Gas station and truck stop feasibility study and SBA loan data
- SBA Feasibility Study for a Gas Station: What the Lender Tests, and Two Worked Engagements
- Feasibility Study Data for the Houston-Pasadena-The Woodlands, TX Metro Area
- Gas Station Feasibility Study in Texas
- Feasibility study data and consultants for Texas
- Feasibility Study Data by Metro Area
- SBA feasibility study company
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