County36th of 227 in Texas by approvalsFIPS 48183
SBA loans in Gregg 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 Gregg County, Texas, received 90 SBA loan approvals worth $97.3M in FY2021 to FY2025 (85 7(a), 5 504).
That is 22.3 approvals per 1,000 business establishments (4,040 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 36th of 227 Texas counties with approvals. In FY2025 there were 25, up 14% on FY2024.
37 lenders had approvals here; the most active were The Huntington National Bank (17), Newtek Bank, National Association (6) and JPMorgan Chase Bank, National Association (5). The most common industry was traveler accommodation.
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 Gregg County
By number of approvals to businesses in the county, FY2021–FY2025; 37 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 17 | $17.5M | 18.9% | |
| 2 | Newtek Bank, National AssociationMiami, FL | 6 | $1.1M | 6.7% | |
| 3 | JPMorgan Chase Bank, National AssociationColumbus, OH | 5 | $1.7M | 5.6% | |
| 4 | T Bank, National AssociationDallas, TX | 4 | $9.7M | 4.4% | |
| 5 | Celtic Bank CorporationSalt Lake City, UT | 4 | $9.5M | 4.4% | |
| 6 | Byline BankChicago, IL | 4 | $4.4M | 4.4% | |
| 7 | Northeast BankLewiston, ME | 4 | $531K | 4.4% | |
| 8 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $6.1M | 3.3% | |
| 9 | American Bank, National AssociationDallas, TX | 3 | $5.8M | 3.3% | |
| 10 | Greater East Texas Certified Development CompanyTyler, TX · CDC | 3 | $1.0M | 3.3% | |
| 11 | Austin Bank Texas National AssociationJacksonville, TX | 3 | $781K | 3.3% | |
| 12 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 2.2% | |
| 13 | Metro City BankDoraville, GA | 2 | — | 2.2% | |
| 14 | GBankLas Vegas, NV | 2 | — | 2.2% | |
| 15 | Bank of HopeLos Angeles, CA | 2 | — | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 11 | 12.2% | |
| 2 | Gasoline StationsNAICS 4571 | 8 | 8.9% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 7.8% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 5 | 5.6% | |
| 5 | Support Activities for MiningNAICS 2131 | 3 | 3.3% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 3.3% | |
| 7 | Commercial and Industrial Machinery and Equipment Rental and LeasingNAICS 5324 | 2 | 2.2% | |
| 8 | Offices of DentistsNAICS 6212 | 2 | 2.2% | |
| 9 | Support Activities for Road TransportationNAICS 4884 | 2 | 2.2% | |
| 10 | Advertising, Public Relations, and Related ServicesNAICS 5418 | 2 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 18 | 20.0% | |
| 2 | Retail Trade | 18 | 20.0% | |
| 3 | Construction | 8 | 8.9% | |
| 4 | Professional, Scientific, and Technical Services | 8 | 8.9% | |
| 5 | Health Care and Social Assistance | 7 | 7.8% | |
| 6 | Other Services (except Public Administration) | 7 | 7.8% | |
| 7 | Manufacturing | 5 | 5.6% | |
| 8 | Mining, Quarrying, and Oil and Gas Extraction | 3 | 3.3% |
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* | 11 | $13.6M | $760K | 2 | — | 13 | 85 |
| FY2025 | 24 | $24.7M | $514K | 1 | — | 25 | 221 |
| FY2024 | 22 | $21.1M | $482K | 0 | — | 22 | 195 |
| FY2023 | 13 | $9.5M | $369K | 1 | — | 14 | 119 |
| FY2022 | 11 | $17.7M | $1.3M | 3 | $1.4M | 14 | 196 |
| FY2021 | 15 | $22.2M | $825K | 0 | — | 15 | 266 |
| FY2020 | 10 | $8.1M | $407K | 0 | — | 10 | 144 |
| FY2019 | 4 | $423K | $105K | 1 | — | 5 | 24 |
| FY2018 | 9 | $14.9M | $545K | 0 | — | 9 | 83 |
| FY2017 | 16 | $4.3M | $88K | 3 | $1.1M | 19 | 173 |
| FY2016 | 11 | $9.7M | $425K | 5 | $3.7M | 16 | 199 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 59 approvals.
Against Texas and the country
| FY2021–FY2025 | Gregg County | Texas | United States |
|---|---|---|---|
| Approvals | 90 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 22.3 | 37.2 | 41.0 |
| Median 7(a) approval | $564K | $320K | $190K |
| Median 504 approval | $306K | $974K | $657K |
| Average approval | $1.1M | $770K | $573K |
| 504 share of approvals | 5.6% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 11.1 | 12.6 | 10.5 |
| Share of state approvals | 0.4% | 100.0% | — |
Approval sizes
- $50,000 or less6.7%6
- $50,001 to $150,00018.9%17
- $150,001 to $350,00015.6%14
- $350,001 to $1 million23.3%21
- $1 million to $2 million16.7%15
- Over $2 million18.9%17
Age of the businesses
- Existing, more than 2 years old42.2%38
- New business, 2 years or less16.7%15
- Startup, loan funds will open the business16.7%15
- Change of ownership24.4%22
Questions and answers
Which lenders make the most SBA loans in Gregg County?
By approvals in FY2021 to FY2025: The Huntington National Bank (17), Newtek Bank, National Association (6), JPMorgan Chase Bank, National Association (5), T Bank, National Association (4), Celtic Bank Corporation (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Gregg County?
The median 7(a) approval was $564K and the median 504 approval $306K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Gregg County?
Traveler Accommodation (11); Gasoline Stations (8); Restaurants and Other Eating Places (7); Building Equipment Contractors (5); Support Activities for Mining (3).
Is SBA lending in Gregg County rising?
Approvals in the three latest complete fiscal years total 61, against 39 in the three before: rising (+56%).
How does Gregg County compare with the rest of Texas?
22.3 approvals per 1,000 establishments against 37.2 statewide, and 90 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