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County9th of 227 in Texas by approvalsFIPS 48157
SBA loans in Fort Bend 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 892 loans to businesses in Fort Bend County, Texas, in FY2021 to FY2025, worth $651M: 838 under 7(a) and 54 under 504.
That is 48.2 approvals per 1,000 business establishments (18,519 establishments in 2023), above the Texas figure of 37.2 and above the national 41.0.
It ranks 9th of 227 Texas counties with approvals. In FY2025 there were 239, up 13% on FY2024.
134 lenders had approvals here; the most active were The Huntington National Bank (93), Wells Fargo Bank National Association (63) and JPMorgan Chase Bank, National Association (42). 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 Fort Bend County
By number of approvals to businesses in the county, FY2021–FY2025; 134 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 93 | $48.3M | 10.4% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 63 | $13.6M | 7.1% | |
| 3 | JPMorgan Chase Bank, National AssociationColumbus, OH | 42 | $11.4M | 4.7% | |
| 4 | Newtek Bank, National AssociationMiami, FL | 35 | $15.3M | 3.9% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 34 | $16.5M | 3.8% | |
| 6 | Northeast BankLewiston, ME | 31 | $5.8M | 3.5% | |
| 7 | United Midwest Savings Bank National AssociationDe Graff, OH | 29 | $4.4M | 3.3% | |
| 8 | Wallis BankWallis, TX | 28 | $22.4M | 3.1% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 24 | $45.4M | 2.7% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 24 | $5.1M | 2.7% | |
| 11 | Stellar BankHouston, TX | 23 | $25.2M | 2.6% | |
| 12 | Zions Bank, A Division ofSalt Lake City, UT | 23 | $3.5M | 2.6% | |
| 13 | Capital Certified Development CorporationAustin, TX · CDC | 21 | $33.7M | 2.4% | |
| 14 | Fifth Third BankCincinnati, OH | 21 | $14.8M | 2.4% | |
| 15 | Frost BankSan Antonio, TX | 21 | $13.0M | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 108 | 12.1% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 38 | 4.3% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 38 | 4.3% | |
| 4 | Child Day Care ServicesNAICS 6244 | 34 | 3.8% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 31 | 3.5% | |
| 6 | Offices of PhysiciansNAICS 6211 | 29 | 3.3% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 28 | 3.1% | |
| 8 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 20 | 2.2% | |
| 9 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 20 | 2.2% | |
| 10 | Other Personal ServicesNAICS 8129 | 19 | 2.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 162 | 18.2% | |
| 2 | Accommodation and Food Services | 121 | 13.6% | |
| 3 | Professional, Scientific, and Technical Services | 90 | 10.1% | |
| 4 | Retail Trade | 89 | 10.0% | |
| 5 | Other Services (except Public Administration) | 76 | 8.5% | |
| 6 | Construction | 64 | 7.2% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 53 | 5.9% | |
| 8 | Wholesale Trade | 43 | 4.8% |
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* | 134 | $94.4M | $300K | 10 | $16.5M | 144 | 1,511 |
| FY2025 | 225 | $136M | $266K | 14 | $20.4M | 239 | 3,024 |
| FY2024 | 197 | $133M | $282K | 14 | $20.0M | 211 | 2,404 |
| FY2023 | 160 | $96.9M | $295K | 6 | $11.0M | 166 | 2,183 |
| FY2022 | 121 | $84.6M | $350K | 13 | $21.9M | 134 | 1,567 |
| FY2021 | 135 | $121M | $360K | 7 | $7.6M | 142 | 1,705 |
| FY2020 | 126 | $97.0M | $334K | 13 | $16.3M | 139 | 1,628 |
| FY2019 | 172 | $97.1M | $260K | 5 | $6.1M | 177 | 1,850 |
| FY2018 | 170 | $110M | $221K | 7 | $13.1M | 177 | 2,245 |
| FY2017 | 207 | $121M | $150K | 5 | $12.4M | 212 | 2,585 |
| FY2016 | 206 | $101M | $150K | 8 | $22.8M | 214 | 2,263 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 919 approvals.
Against Texas and the country
| FY2021–FY2025 | Fort Bend County | Texas | United States |
|---|---|---|---|
| Approvals | 892 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 48.2 | 37.2 | 41.0 |
| Median 7(a) approval | $314K | $320K | $190K |
| Median 504 approval | $1.3M | $974K | $657K |
| Average approval | $730K | $770K | $573K |
| 504 share of approvals | 6.1% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 12.2 | 12.6 | 10.5 |
| Share of state approvals | 3.6% | 100.0% | — |
Approval sizes
- $50,000 or less14.3%128
- $50,001 to $150,00018.5%165
- $150,001 to $350,00021.0%187
- $350,001 to $1 million28.5%254
- $1 million to $2 million7.5%67
- Over $2 million10.2%91
Age of the businesses
- Existing, more than 2 years old45.7%408
- New business, 2 years or less15.8%141
- Startup, loan funds will open the business33.1%295
- Change of ownership5.3%47
- Not answered0.1%1
Questions and answers
Which lenders make the most SBA loans in Fort Bend County?
By approvals in FY2021 to FY2025: The Huntington National Bank (93), Wells Fargo Bank National Association (63), JPMorgan Chase Bank, National Association (42), Newtek Bank, National Association (35), Readycap Lending, LLC (34). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Fort Bend County?
The median 7(a) approval was $314K and the median 504 approval $1.3M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Fort Bend County?
Restaurants and Other Eating Places (108); Other Amusement and Recreation Industries (38); Offices of Other Health Practitioners (38); Child Day Care Services (34); Services to Buildings and Dwellings (31).
Is SBA lending in Fort Bend County rising?
Approvals in the three latest complete fiscal years total 616, against 415 in the three before: rising (+48%).
How does Fort Bend County compare with the rest of Texas?
48.2 approvals per 1,000 establishments against 37.2 statewide, and 892 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