States › Texas › Burnet County
County48th of 227 in Texas by approvalsFIPS 48053
SBA loans in Burnet 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.
Businesses in Burnet County, Texas, received 52 SBA loan approvals worth $37.5M in FY2021 to FY2025 (49 7(a), 3 504).
That is 32.5 approvals per 1,000 business establishments (1,600 establishments in 2023), close to the Texas figure of 37.2 and below the national 41.0.
It ranks 48th of 227 Texas counties with approvals. In FY2025 there were 16.
26 lenders had approvals here; the most active were The Huntington National Bank (8), Live Oak Banking Company (5) and Security State Bank and Trust (5). The most common industry was building equipment contractors.
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 Burnet County
By number of approvals to businesses in the county, FY2021–FY2025; 26 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 8 | $3.8M | 15.4% | |
| 2 | Live Oak Banking CompanyWilmington, NC | 5 | $4.2M | 9.6% | |
| 3 | Security State Bank and TrustFredericksburg, TX | 5 | $2.2M | 9.6% | |
| 4 | Byline BankChicago, IL | 3 | $5.1M | 5.8% | |
| 5 | Capital Certified Development CorporationAustin, TX · CDC | 3 | $2.4M | 5.8% | |
| 6 | PlainsCapital BankDallas, TX | 2 | — | 3.8% | |
| 7 | First Merchants BankIndianapolis, IN | 2 | — | 3.8% | |
| 8 | Stearns Bank National AssociationSaint Cloud, MN | 2 | — | 3.8% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 2 | — | 3.8% | |
| 10 | American Bank of CommerceWolfforth, TX | 2 | — | 3.8% | |
| 11 | Northeast BankLewiston, ME | 2 | — | 3.8% | |
| 12 | Wells Fargo Bank National AssociationSioux Falls, SD | 2 | — | 3.8% | |
| 13 | Enterprise Bank & TrustClayton, MO | 1 | — | 1.9% | |
| 14 | First Internet Bank of IndianaFishers, IN | 1 | — | 1.9% | |
| 15 | Regent BankTulsa, OK | 1 | — | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Building Equipment ContractorsNAICS 2382 | 8 | 15.4% | |
| 2 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 4 | 7.7% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 7.7% | |
| 4 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 2 | 3.8% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 3.8% | |
| 6 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 2 | 3.8% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 2 | 3.8% | |
| 8 | Residential Building ConstructionNAICS 2361 | 2 | 3.8% | |
| 9 | Architectural, Engineering, and Related ServicesNAICS 5413 | 2 | 3.8% | |
| 10 | Clothing StoresNAICS 4481 | 2 | 3.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 17 | 32.7% | |
| 2 | Other Services (except Public Administration) | 8 | 15.4% | |
| 3 | Professional, Scientific, and Technical Services | 5 | 9.6% | |
| 4 | Retail Trade | 5 | 9.6% | |
| 5 | Wholesale Trade | 3 | 5.8% | |
| 6 | Accommodation and Food Services | 3 | 5.8% | |
| 7 | Health Care and Social Assistance | 2 | 3.8% | |
| 8 | Real Estate and Rental and Leasing | 2 | 3.8% |
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* | 5 | $1.0M | $150K | 1 | — | 6 | 22 |
| FY2025 | 16 | $10.3M | $225K | 0 | — | 16 | 232 |
| FY2024 | 7 | $7.0M | $900K | 0 | — | 7 | 245 |
| FY2023 | 9 | $6.8M | $685K | 0 | — | 9 | 108 |
| FY2022 | 10 | $6.7M | $391K | 1 | — | 11 | 114 |
| FY2021 | 7 | $4.2M | $637K | 2 | — | 9 | 37 |
| FY2020 | 4 | $2.3M | $552K | 1 | — | 5 | 65 |
| FY2019 | 6 | $3.8M | $530K | 2 | — | 8 | 82 |
| FY2018 | 8 | $5.1M | $465K | 1 | — | 9 | 52 |
| FY2017 | 3 | $285K | $35K | 1 | — | 4 | 15 |
| FY2016 | 8 | $8.3M | $670K | 1 | — | 9 | 78 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 35 approvals.
Against Texas and the country
| FY2021–FY2025 | Burnet County | Texas | United States |
|---|---|---|---|
| Approvals | 52 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 32.5 | 37.2 | 41.0 |
| Median 7(a) approval | $450K | $320K | $190K |
| Median 504 approval | $845K | $974K | $657K |
| Average approval | $721K | $770K | $573K |
| 504 share of approvals | 5.8% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 14.2 | 12.6 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less19.2%10
- $50,001 to $150,0009.6%5
- $150,001 to $350,00019.2%10
- $350,001 to $1 million26.9%14
- $1 million to $2 million19.2%10
- Over $2 million5.8%3
Age of the businesses
- Existing, more than 2 years old57.7%30
- New business, 2 years or less13.5%7
- Startup, loan funds will open the business11.5%6
- Change of ownership17.3%9
Questions and answers
Which lenders make the most SBA loans in Burnet County?
By approvals in FY2021 to FY2025: The Huntington National Bank (8), Live Oak Banking Company (5), Security State Bank and Trust (5), Byline Bank (3), Capital Certified Development Corporation (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Burnet County?
The median 7(a) approval was $450K and the median 504 approval $845K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Burnet County?
Building Equipment Contractors (8); Foundation, Structure, and Building Exterior Contractors (4); Automotive Repair and Maintenance (4); Miscellaneous Durable Goods Merchant Wholesalers (2); Other Specialty Trade Contractors (2).
Is SBA lending in Burnet County rising?
Approvals in the three latest complete fiscal years total 32, against 25 in the three before: rising (+28%).
How does Burnet County compare with the rest of Texas?
32.5 approvals per 1,000 establishments against 37.2 statewide, and 52 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