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County1st of 227 in Texas by approvalsFIPS 48201
SBA loans in Harris 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 4,402 loans to businesses in Harris County, Texas, in FY2021 to FY2025, worth $3.56bn: 4,167 under 7(a) and 235 under 504.
That is 39.6 approvals per 1,000 business establishments (111,215 establishments in 2023), close to the Texas figure of 37.2 and close to the national 41.0.
It ranks 1st of 227 Texas counties with approvals. In FY2025 there were 1,162, up 18% on FY2024.
233 lenders had approvals here; the most active were The Huntington National Bank (384), Wells Fargo Bank National Association (247) and Zions Bank, A Division of (206). 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 Harris County
By number of approvals to businesses in the county, FY2021–FY2025; 233 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 384 | $193M | 8.7% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 247 | $64.9M | 5.6% | |
| 3 | Zions Bank, A Division ofSalt Lake City, UT | 206 | $61.9M | 4.7% | |
| 4 | JPMorgan Chase Bank, National AssociationColumbus, OH | 200 | $55.0M | 4.5% | |
| 5 | Newtek Bank, National AssociationMiami, FL | 188 | $92.6M | 4.3% | |
| 6 | Wallis BankWallis, TX | 157 | $265M | 3.6% | |
| 7 | BayFirst National BankSaint Petersburg, FL | 151 | $24.7M | 3.4% | |
| 8 | Readycap Lending, LLCBerkeley Heights, NJ | 147 | $75.1M | 3.3% | |
| 9 | Fifth Third BankCincinnati, OH | 145 | $78.4M | 3.3% | |
| 10 | Northeast BankLewiston, ME | 139 | $19.7M | 3.2% | |
| 11 | Live Oak Banking CompanyWilmington, NC | 113 | $172M | 2.6% | |
| 12 | Frost BankSan Antonio, TX | 109 | $104M | 2.5% | |
| 13 | Stellar BankHouston, TX | 95 | $112M | 2.2% | |
| 14 | United Midwest Savings Bank National AssociationDe Graff, OH | 88 | $22.0M | 2.0% | |
| 15 | Bank of America, National AssociationCharlotte, NC | 87 | $51.4M | 2.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 373 | 8.5% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 179 | 4.1% | |
| 3 | Child Day Care ServicesNAICS 6244 | 137 | 3.1% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 133 | 3.0% | |
| 5 | Personal Care ServicesNAICS 8121 | 133 | 3.0% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 132 | 3.0% | |
| 7 | General Freight TruckingNAICS 4841 | 124 | 2.8% | |
| 8 | Traveler AccommodationNAICS 7211 | 110 | 2.5% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 109 | 2.5% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 95 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 559 | 12.7% | |
| 2 | Accommodation and Food Services | 541 | 12.3% | |
| 3 | Other Services (except Public Administration) | 477 | 10.8% | |
| 4 | Retail Trade | 471 | 10.7% | |
| 5 | Professional, Scientific, and Technical Services | 451 | 10.2% | |
| 6 | Construction | 441 | 10.0% | |
| 7 | Wholesale Trade | 267 | 6.1% | |
| 8 | Manufacturing | 258 | 5.9% |
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* | 560 | $403M | $300K | 22 | $38.9M | 582 | 8,291 |
| FY2025 | 1,104 | $677M | $204K | 58 | $99.9M | 1,162 | 13,970 |
| FY2024 | 942 | $607M | $250K | 44 | $75.6M | 986 | 11,755 |
| FY2023 | 702 | $541M | $306K | 41 | $79.6M | 743 | 9,982 |
| FY2022 | 649 | $533M | $350K | 47 | $73.7M | 696 | 9,780 |
| FY2021 | 770 | $812M | $558K | 45 | $61.2M | 815 | 10,788 |
| FY2020 | 537 | $457M | $383K | 43 | $61.6M | 580 | 6,959 |
| FY2019 | 720 | $508M | $317K | 36 | $47.8M | 756 | 9,228 |
| FY2018 | 831 | $499M | $200K | 26 | $28.8M | 857 | 8,459 |
| FY2017 | 929 | $484M | $150K | 32 | $36.9M | 961 | 9,330 |
| FY2016 | 1,014 | $466M | $150K | 51 | $65.6M | 1,065 | 10,681 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 4,219 approvals.
Against Texas and the country
| FY2021–FY2025 | Harris County | Texas | United States |
|---|---|---|---|
| Approvals | 4,402 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 39.6 | 37.2 | 41.0 |
| Median 7(a) approval | $304K | $320K | $190K |
| Median 504 approval | $1.2M | $974K | $657K |
| Average approval | $809K | $770K | $573K |
| 504 share of approvals | 5.3% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 12.8 | 12.6 | 10.5 |
| Share of state approvals | 17.7% | 100.0% | — |
Approval sizes
- $50,000 or less14.2%626
- $50,001 to $150,00019.9%875
- $150,001 to $350,00019.3%849
- $350,001 to $1 million22.5%992
- $1 million to $2 million12.0%529
- Over $2 million12.1%531
Age of the businesses
- Existing, more than 2 years old54.4%2,396
- New business, 2 years or less15.3%673
- Startup, loan funds will open the business22.4%987
- Change of ownership7.8%342
- Not answered0.1%4
Questions and answers
Which lenders make the most SBA loans in Harris County?
By approvals in FY2021 to FY2025: The Huntington National Bank (384), Wells Fargo Bank National Association (247), Zions Bank, A Division of (206), JPMorgan Chase Bank, National Association (200), Newtek Bank, National Association (188). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Harris County?
The median 7(a) approval was $304K and the median 504 approval $1.2M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Harris County?
Restaurants and Other Eating Places (373); Automotive Repair and Maintenance (179); Child Day Care Services (137); Other Amusement and Recreation Industries (133); Personal Care Services (133).
Is SBA lending in Harris County rising?
Approvals in the three latest complete fiscal years total 2,891, against 2,091 in the three before: rising (+38%).
How does Harris County compare with the rest of Texas?
39.6 approvals per 1,000 establishments against 37.2 statewide, and 4,402 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