States › Texas › Denton County
County7th of 227 in Texas by approvalsFIPS 48121
SBA loans in Denton 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 Denton County, Texas, received 1,204 SBA loan approvals worth $803M in FY2021 to FY2025 (1,145 7(a), 59 504).
That is 60.1 approvals per 1,000 business establishments (20,025 establishments in 2023), above the Texas figure of 37.2 and above the national 41.0.
It ranks 7th of 227 Texas counties with approvals. In FY2025 there were 327, up 17% on FY2024.
156 lenders had approvals here; the most active were The Huntington National Bank (158), Live Oak Banking Company (49) and Wells Fargo Bank National Association (48). 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 Denton County
By number of approvals to businesses in the county, FY2021–FY2025; 156 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 158 | $65.9M | 13.1% | |
| 2 | Live Oak Banking CompanyWilmington, NC | 49 | $57.4M | 4.1% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 48 | $7.3M | 4.0% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 44 | $16.0M | 3.7% | |
| 5 | Newtek Bank, National AssociationMiami, FL | 44 | $12.4M | 3.7% | |
| 6 | JPMorgan Chase Bank, National AssociationColumbus, OH | 43 | $10.3M | 3.6% | |
| 7 | United Midwest Savings Bank National AssociationDe Graff, OH | 43 | $10.0M | 3.6% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 43 | $9.7M | 3.6% | |
| 9 | Northeast BankLewiston, ME | 37 | $5.8M | 3.1% | |
| 10 | Bank of America, National AssociationCharlotte, NC | 22 | $14.0M | 1.8% | |
| 11 | SouthState Bank, National AssociationWinter Haven, FL | 22 | $10.7M | 1.8% | |
| 12 | First United Bank and Trust CompanyDurant, OK | 20 | $14.2M | 1.7% | |
| 13 | Greater East Texas Certified Development CompanyTyler, TX · CDC | 19 | $30.0M | 1.6% | |
| 14 | Commonwealth Business BankLos Angeles, CA | 19 | $29.1M | 1.6% | |
| 15 | Bank of HopeLos Angeles, CA | 18 | $16.3M | 1.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 175 | 14.5% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 73 | 6.1% | |
| 3 | Personal Care ServicesNAICS 8121 | 63 | 5.2% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 49 | 4.1% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 38 | 3.2% | |
| 6 | Child Day Care ServicesNAICS 6244 | 36 | 3.0% | |
| 7 | Building Equipment ContractorsNAICS 2382 | 35 | 2.9% | |
| 8 | Other Personal ServicesNAICS 8129 | 33 | 2.7% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 27 | 2.2% | |
| 10 | Other Schools and InstructionNAICS 6116 | 27 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 198 | 16.4% | |
| 2 | Health Care and Social Assistance | 164 | 13.6% | |
| 3 | Other Services (except Public Administration) | 150 | 12.5% | |
| 4 | Construction | 118 | 9.8% | |
| 5 | Retail Trade | 104 | 8.6% | |
| 6 | Professional, Scientific, and Technical Services | 98 | 8.1% | |
| 7 | Arts, Entertainment, and Recreation | 84 | 7.0% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 60 | 5.0% |
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* | 174 | $112M | $300K | 11 | $16.3M | 185 | 2,568 |
| FY2025 | 314 | $164M | $250K | 13 | $21.7M | 327 | 2,986 |
| FY2024 | 266 | $137M | $259K | 13 | $19.3M | 279 | 3,325 |
| FY2023 | 206 | $138M | $398K | 9 | $19.4M | 215 | 2,714 |
| FY2022 | 178 | $112M | $347K | 14 | $19.9M | 192 | 3,109 |
| FY2021 | 181 | $160M | $350K | 10 | $10.8M | 191 | 2,044 |
| FY2020 | 138 | $99.9M | $350K | 10 | $20.8M | 148 | 1,669 |
| FY2019 | 172 | $92.0M | $250K | 7 | $13.2M | 179 | 2,048 |
| FY2018 | 221 | $142M | $263K | 17 | $17.5M | 238 | 2,879 |
| FY2017 | 224 | $109M | $165K | 9 | $14.3M | 233 | 2,420 |
| FY2016 | 250 | $158M | $226K | 18 | $32.8M | 268 | 3,321 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 1,066 approvals.
Against Texas and the country
| FY2021–FY2025 | Denton County | Texas | United States |
|---|---|---|---|
| Approvals | 1,204 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 60.1 | 37.2 | 41.0 |
| Median 7(a) approval | $305K | $320K | $190K |
| Median 504 approval | $927K | $974K | $657K |
| Average approval | $667K | $770K | $573K |
| 504 share of approvals | 4.9% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 11.8 | 12.6 | 10.5 |
| Share of state approvals | 4.8% | 100.0% | — |
Approval sizes
- $50,000 or less14.2%171
- $50,001 to $150,00019.5%235
- $150,001 to $350,00019.3%232
- $350,001 to $1 million30.0%361
- $1 million to $2 million9.0%108
- Over $2 million8.1%97
Age of the businesses
- Existing, more than 2 years old42.9%517
- New business, 2 years or less15.4%185
- Startup, loan funds will open the business30.8%371
- Change of ownership10.8%130
- Not answered0.1%1
Questions and answers
Which lenders make the most SBA loans in Denton County?
By approvals in FY2021 to FY2025: The Huntington National Bank (158), Live Oak Banking Company (49), Wells Fargo Bank National Association (48), Readycap Lending, LLC (44), Newtek Bank, National Association (44). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Denton County?
The median 7(a) approval was $305K and the median 504 approval $927K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Denton County?
Restaurants and Other Eating Places (175); Other Amusement and Recreation Industries (73); Personal Care Services (63); Offices of Other Health Practitioners (49); Services to Buildings and Dwellings (38).
Is SBA lending in Denton County rising?
Approvals in the three latest complete fiscal years total 821, against 531 in the three before: rising (+55%).
How does Denton County compare with the rest of Texas?
60.1 approvals per 1,000 establishments against 37.2 statewide, and 1,204 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