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County28th of 227 in Texas by approvalsFIPS 48041
SBA loans in Brazos County, Texas
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 136 loans to businesses in Brazos County, Texas, in FY2021 to FY2025, worth $121M: 112 under 7(a) and 24 under 504.
That is 27.4 approvals per 1,000 business establishments (4,972 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 28th of 227 Texas counties with approvals. In FY2025 there were 37, up 12% on FY2024.
53 lenders had approvals here; the most active were Capital Certified Development Corporation (14), The Huntington National Bank (14) and Live Oak Banking Company (11). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Brazos County
By number of approvals to businesses in the county, FY2021–FY2025; 53 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Capital Certified Development CorporationAustin, TX · CDC | 14 | $25.2M | 10.3% | |
| 2 | The Huntington National BankColumbus, OH | 14 | $3.6M | 10.3% | |
| 3 | Live Oak Banking CompanyWilmington, NC | 11 | $14.4M | 8.1% | |
| 4 | Northeast BankLewiston, ME | 7 | $1.0M | 5.1% | |
| 5 | First Bank of the LakeOsage Beach, MO | 6 | $3.9M | 4.4% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $281K | 4.4% | |
| 7 | North Texas Certified Development CorporationPlano, TX · CDC | 5 | $7.3M | 3.7% | |
| 8 | Readycap Lending, LLCBerkeley Heights, NJ | 4 | $5.1M | 2.9% | |
| 9 | Wallis BankWallis, TX | 3 | $5.4M | 2.2% | |
| 10 | Community Certified Development CorporationHouston, TX · CDC | 3 | $5.1M | 2.2% | |
| 11 | Celtic Bank CorporationSalt Lake City, UT | 3 | $1.7M | 2.2% | |
| 12 | Citizens BankElizabethton, TN | 3 | $1.1M | 2.2% | |
| 13 | Capital Certified Development CorporationAustin, TX | 3 | $900K | 2.2% | |
| 14 | BayFirst National BankSaint Petersburg, FL | 3 | $426K | 2.2% | |
| 15 | Hancock Whitney BankGulfport, MS | 2 | — | 1.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 20 | 14.7% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 8 | 5.9% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 8 | 5.9% | |
| 4 | Traveler AccommodationNAICS 7211 | 5 | 3.7% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 5 | 3.7% | |
| 6 | Personal Care ServicesNAICS 8121 | 5 | 3.7% | |
| 7 | Offices of DentistsNAICS 6212 | 4 | 2.9% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 2.9% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 4 | 2.9% | |
| 10 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 3 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 26 | 19.1% | |
| 2 | Health Care and Social Assistance | 17 | 12.5% | |
| 3 | Construction | 13 | 9.6% | |
| 4 | Retail Trade | 12 | 8.8% | |
| 5 | Professional, Scientific, and Technical Services | 12 | 8.8% | |
| 6 | Other Services (except Public Administration) | 12 | 8.8% | |
| 7 | Manufacturing | 8 | 5.9% | |
| 8 | Arts, Entertainment, and Recreation | 8 | 5.9% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 19 | $13.3M | $265K | 3 | $9.6M | 22 | 414 |
| FY2025 | 34 | $14.1M | $191K | 3 | $10.0M | 37 | 509 |
| FY2024 | 29 | $24.2M | $250K | 4 | $9.3M | 33 | 428 |
| FY2023 | 20 | $17.1M | $307K | 4 | $6.6M | 24 | 312 |
| FY2022 | 10 | $8.9M | $410K | 8 | $13.2M | 18 | 304 |
| FY2021 | 19 | $14.3M | $603K | 5 | $3.1M | 24 | 354 |
| FY2020 | 24 | $12.6M | $277K | 5 | $2.2M | 29 | 405 |
| FY2019 | 12 | $12.7M | $421K | 6 | $5.2M | 18 | 219 |
| FY2018 | 28 | $15.0M | $297K | 6 | $11.6M | 34 | 659 |
| FY2017 | 29 | $13.1M | $175K | 2 | — | 31 | 389 |
| FY2016 | 30 | $11.0M | $119K | 1 | — | 31 | 402 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 143 approvals.
Against Texas and the country
| FY2021–FY2025 | Brazos County | Texas | United States |
|---|---|---|---|
| Approvals | 136 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 27.4 | 37.2 | 41.0 |
| Median 7(a) approval | $307K | $320K | $190K |
| Median 504 approval | $1.5M | $974K | $657K |
| Average approval | $887K | $770K | $573K |
| 504 share of approvals | 17.6% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 14.0 | 12.6 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less12.5%17
- $50,001 to $150,00016.2%22
- $150,001 to $350,00018.4%25
- $350,001 to $1 million25.7%35
- $1 million to $2 million14.0%19
- Over $2 million13.2%18
Age of the businesses
- Existing, more than 2 years old50.0%68
- New business, 2 years or less12.5%17
- Startup, loan funds will open the business27.9%38
- Change of ownership9.6%13
Questions and answers
Which lenders make the most SBA loans in Brazos County?
By approvals in FY2021 to FY2025: Capital Certified Development Corporation (14), The Huntington National Bank (14), Live Oak Banking Company (11), Northeast Bank (7), First Bank of the Lake (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Brazos County?
The median 7(a) approval was $307K and the median 504 approval $1.5M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Brazos County?
Restaurants and Other Eating Places (20); Other Amusement and Recreation Industries (8); Offices of Other Health Practitioners (8); Traveler Accommodation (5); Services to Buildings and Dwellings (5).
Is SBA lending in Brazos County rising?
Approvals in the three latest complete fiscal years total 94, against 71 in the three before: rising (+32%).
How does Brazos County compare with the rest of Texas?
27.4 approvals per 1,000 establishments against 37.2 statewide, and 136 of the state's 24,935 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error