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County4th of 227 in Texas by approvalsFIPS 48085
SBA loans in Collin 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 1,634 loans to businesses in Collin County, Texas, in FY2021 to FY2025, worth $1.21bn: 1,556 under 7(a) and 78 under 504.
That is 52.7 approvals per 1,000 business establishments (31,012 establishments in 2023), above the Texas figure of 37.2 and above the national 41.0.
It ranks 4th of 227 Texas counties with approvals. In FY2025 there were 446, up 23% on FY2024.
186 lenders had approvals here; the most active were The Huntington National Bank (191), Northeast Bank (79) and Wells Fargo Bank National Association (76). 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 Collin County
By number of approvals to businesses in the county, FY2021–FY2025; 186 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 191 | $80.0M | 11.7% | |
| 2 | Northeast BankLewiston, ME | 79 | $11.3M | 4.8% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 76 | $23.4M | 4.7% | |
| 4 | Newtek Bank, National AssociationMiami, FL | 63 | $25.9M | 3.9% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 56 | $92.1M | 3.4% | |
| 6 | United Midwest Savings Bank National AssociationDe Graff, OH | 54 | $14.0M | 3.3% | |
| 7 | Readycap Lending, LLCBerkeley Heights, NJ | 51 | $32.6M | 3.1% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 50 | $8.0M | 3.1% | |
| 9 | JPMorgan Chase Bank, National AssociationColumbus, OH | 45 | $10.8M | 2.8% | |
| 10 | Fifth Third BankCincinnati, OH | 41 | $23.2M | 2.5% | |
| 11 | SouthState Bank, National AssociationWinter Haven, FL | 34 | $20.6M | 2.1% | |
| 12 | Celtic Bank CorporationSalt Lake City, UT | 27 | $28.4M | 1.7% | |
| 13 | Frost BankSan Antonio, TX | 26 | $10.9M | 1.6% | |
| 14 | First Bank of the LakeOsage Beach, MO | 25 | $27.7M | 1.5% | |
| 15 | PNC Bank, National AssociationWilmington, DE | 24 | $17.8M | 1.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 222 | 13.6% | |
| 2 | Personal Care ServicesNAICS 8121 | 79 | 4.8% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 77 | 4.7% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 60 | 3.7% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 55 | 3.4% | |
| 6 | Offices of PhysiciansNAICS 6211 | 51 | 3.1% | |
| 7 | Child Day Care ServicesNAICS 6244 | 49 | 3.0% | |
| 8 | Computer Systems Design and Related ServicesNAICS 5415 | 44 | 2.7% | |
| 9 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 42 | 2.6% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 39 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 258 | 15.8% | |
| 2 | Accommodation and Food Services | 248 | 15.2% | |
| 3 | Other Services (except Public Administration) | 200 | 12.2% | |
| 4 | Professional, Scientific, and Technical Services | 175 | 10.7% | |
| 5 | Retail Trade | 156 | 9.5% | |
| 6 | Construction | 136 | 8.3% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 95 | 5.8% | |
| 8 | Arts, Entertainment, and Recreation | 74 | 4.5% |
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* | 233 | $189M | $350K | 12 | $25.1M | 245 | 3,003 |
| FY2025 | 431 | $253M | $275K | 15 | $30.5M | 446 | 5,697 |
| FY2024 | 348 | $203M | $250K | 15 | $42.6M | 363 | 4,392 |
| FY2023 | 305 | $198M | $315K | 15 | $24.2M | 320 | 5,631 |
| FY2022 | 230 | $181M | $350K | 17 | $15.6M | 247 | 3,776 |
| FY2021 | 242 | $237M | $437K | 16 | $21.4M | 258 | 3,085 |
| FY2020 | 189 | $149M | $350K | 16 | $22.5M | 205 | 2,741 |
| FY2019 | 244 | $161M | $306K | 11 | $14.4M | 255 | 3,016 |
| FY2018 | 279 | $173M | $250K | 8 | $11.5M | 287 | 3,253 |
| FY2017 | 291 | $167M | $205K | 13 | $19.2M | 304 | 3,758 |
| FY2016 | 279 | $106M | $146K | 15 | $21.9M | 294 | 2,879 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 1,345 approvals.
Against Texas and the country
| FY2021–FY2025 | Collin County | Texas | United States |
|---|---|---|---|
| Approvals | 1,634 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 52.7 | 37.2 | 41.0 |
| Median 7(a) approval | $312K | $320K | $190K |
| Median 504 approval | $1.3M | $974K | $657K |
| Average approval | $738K | $770K | $573K |
| 504 share of approvals | 4.8% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 13.8 | 12.6 | 10.5 |
| Share of state approvals | 6.6% | 100.0% | — |
Approval sizes
- $50,000 or less13.0%213
- $50,001 to $150,00018.7%305
- $150,001 to $350,00022.3%364
- $350,001 to $1 million26.1%427
- $1 million to $2 million10.1%165
- Over $2 million9.8%160
Age of the businesses
- Existing, more than 2 years old40.8%667
- New business, 2 years or less17.3%282
- Startup, loan funds will open the business32.0%523
- Change of ownership9.7%158
- Not answered0.2%4
Questions and answers
Which lenders make the most SBA loans in Collin County?
By approvals in FY2021 to FY2025: The Huntington National Bank (191), Northeast Bank (79), Wells Fargo Bank National Association (76), Newtek Bank, National Association (63), Live Oak Banking Company (56). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Collin County?
The median 7(a) approval was $312K and the median 504 approval $1.3M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Collin County?
Restaurants and Other Eating Places (222); Personal Care Services (79); Offices of Other Health Practitioners (77); Other Amusement and Recreation Industries (60); Automotive Repair and Maintenance (55).
Is SBA lending in Collin County rising?
Approvals in the three latest complete fiscal years total 1,129, against 710 in the three before: rising (+59%).
How does Collin County compare with the rest of Texas?
52.7 approvals per 1,000 establishments against 37.2 statewide, and 1,634 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