Restaurant Feasibility Study in the Houston-Pasadena-The Woodlands, TX Metro Area
What SBA's own loan files show about full-service restaurant lending in the Houston-Pasadena-The Woodlands, TX Metro Area, and what a feasibility study for a project there has to test.
Houston: full-service restaurant
SBA records 466 full-service restaurant loans for Houston, with $365.4 million approved from FY2017 to FY2026. Houston holds spot 13 of 821 among metro areas on 466 loans; in Houston, the class holds 1 of 39. Houston: the 0.72x quotient shows a much lighter concentration. With 466 loans behind it, $440,750 in Houston sits near its parents; ranks and the 0.72x quotient decide.
$440,750 in Houston, well above the national median (1.60x), is its median; Houston's middle half spans $184,125 to $1.1 million. Program choice in Houston: 430 used 7(a), 36 used 504. 23.2% of the 466 loans went to franchisees.
Houston's 7(a) table, 37 loans held by The Huntington National Bank, $30.1 million; 28 held by PNC Bank, National Association, $13.6 million; 25 held by Prosperity Bank, $25.4 million; 20 held by Newtek Bank, National Association, $7.0 million; 17 held by Frost Bank, $9.8 million. Houston's 504 table, 9 loans held by Capital Certified Development Corporation, $18.0 million; 6 held by Community Certified Development Corporation, $11.1 million; 6 held by Lone Star State Capital Corporation, $6.5 million. Houston leaves holders under 5 loans unnamed. Houston counties, of 466 loans: Harris County, TX 315; Fort Bend County, TX 67; Montgomery County, TX 30; Brazoria County, TX 26; Galveston County, TX 18.
Outcome floors in Houston and approvals
12.3% or more of Houston approvals were cancelled by FY2024. Houston's undisbursed-loan ceiling is withheld. Among 174 FY2017 to FY2021 loans disbursed, 9.2% or more stand charged off; Houston reaches 6.3% within five years. Houston open loans may raise floors. Houston, moving from 57 loans and $25.2 million in FY2017, ended on 61 loans and $50.5 million in FY2026; the peak was 73 loans and $54.6 million in FY2025, the trough 31 in FY2020. Loans by year in Houston: FY2017 57, FY2018 35, FY2019 39, FY2020 31, FY2021 39, FY2022 36, FY2023 48, FY2024 47, FY2025 73, FY2026 61. Dollars per year: FY2017 $25.2 million, FY2018 $19.9 million, FY2019 $23.2 million, FY2020 $30.9 million, FY2021 $43.8 million, FY2022 $43.9 million, FY2023 $40.5 million, FY2024 $32.9 million, FY2025 $54.6 million, FY2026 $50.5 million.
Houston: what a feasibility study must prove
Houston: facing slow months, debt service holds with $365.4 million approved. For 466 loans in Houston, ventilation costs outside $184,125 to $1.1 million need cases. For 466 approvals in Houston, appraisers split concept from building. Houston approvals ran from 31 in FY2020 to 73 in FY2025; for Houston, plan for stalled years. Houston's quotient, 0.72x: count rivals by cuisine. Across 466 loans, evening cover counts in Houston carries $440,750.
Houston counts 466 loans by project county. Houston borders follow the July 2023 delineation. Houston omits counties it cannot place. 466 loans are a rough guide to Houston, not a census.
SBA full-service restaurant loans in the Houston-Pasadena-The Woodlands, TX Metro Area
| Loans approved, FY2017 to FY2026 | 466 |
|---|---|
| Gross dollars approved | $365.4 million |
| Median loan | $440,750 |
| Middle half of loans, from | $184,125 |
| Middle half of loans, to | $1.1 million |
| SBA 7(a) loans | 430 |
| SBA 504 loans | 36 |
| Franchise share of loans | 23.2% |
| Rank among metro and micro areas for full-service restaurant loans | 13 of 821 |
| Rank of full-service restaurant among the classes in this area | 1 of 39 |
| Location quotient (share of loans against the national share) | 0.72x |
| Median loan against the national median for the class | 1.60x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 12.3% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 9.2% |
| Charged off within five years of approval | 6.3% |
| Loans in that cohort | 174 |
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 full-service restaurant loans approved in the Houston-Pasadena-The Woodlands, TX Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 57 | $25.2 million |
| FY2018 | 35 | $19.9 million |
| FY2019 | 39 | $23.2 million |
| FY2020 | 31 | $30.9 million |
| FY2021 | 39 | $43.8 million |
| FY2022 | 36 | $43.9 million |
| FY2023 | 48 | $40.5 million |
| FY2024 | 47 | $32.9 million |
| FY2025 | 73 | $54.6 million |
| FY2026 | 61 | $50.5 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Capital Certified Development Corporation | 9 | $18.0 million |
| Community Certified Development Corporation | 6 | $11.1 million |
| Lone Star State Capital Corporation | 6 | $6.5 million |
| Lender | Loans | Dollars |
|---|---|---|
| The Huntington National Bank | 37 | $30.1 million |
| PNC Bank, National Association | 28 | $13.6 million |
| Prosperity Bank | 25 | $25.4 million |
| Newtek Bank, National Association | 20 | $7.0 million |
| Frost Bank | 17 | $9.8 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 | 315 |
| Fort Bend County, TX | 67 |
| Montgomery County, TX | 30 |
| Brazoria County, TX | 26 |
| Galveston County, TX | 18 |
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.
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-C34.
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