The lowest commercial real estate loan rate in Texas in 2024.

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As of October 2024, commercial real estate loan rates in Texas range widely depending on factors like the loan type, lender, and borrower creditworthiness. For standard commercial real estate loans, rates generally fall between 5.22% and 10% in Texas, with El Paso seeing rates as low as 5.22%​. SBA 504 loans in the state, which offer longer-term fixed rates, are between 6.59% and 7.20%.

Local banks, such as the Bank of Texas, offer competitive commercial real estate loans with the potential for favorable terms if certain conditions like loan-to-value (LTV) and borrower profile are met