County14th of 227 in Texas by approvalsFIPS 48209
SBA loans in Hays 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 292 loans to businesses in Hays County, Texas, in FY2021 to FY2025, worth $217M: 249 under 7(a) and 43 under 504.
That is 49.6 approvals per 1,000 business establishments (5,891 establishments in 2023), above the Texas figure of 37.2 and above the national 41.0.
It ranks 14th of 227 Texas counties with approvals. In FY2025 there were 73, up 11% on FY2024.
88 lenders had approvals here; the most active were The Huntington National Bank (32), Capital Certified Development Corporation (30) and Wells Fargo Bank National Association (21). 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 Hays County
By number of approvals to businesses in the county, FY2021–FY2025; 88 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 32 | $13.1M | 11.0% | |
| 2 | Capital Certified Development CorporationAustin, TX · CDC | 30 | $39.8M | 10.3% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 21 | $5.2M | 7.2% | |
| 4 | Northeast BankLewiston, ME | 11 | $1.7M | 3.8% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 10 | $22.0M | 3.4% | |
| 6 | Newtek Bank, National AssociationMiami, FL | 9 | $3.3M | 3.1% | |
| 7 | Third Coast BankHumble, TX | 7 | $3.6M | 2.4% | |
| 8 | United Midwest Savings Bank National AssociationDe Graff, OH | 7 | $1.3M | 2.4% | |
| 9 | JPMorgan Chase Bank, National AssociationColumbus, OH | 7 | $1.1M | 2.4% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 7 | $882K | 2.4% | |
| 11 | Frontier Bank of TexasElgin, TX | 6 | $2.2M | 2.1% | |
| 12 | Frost BankSan Antonio, TX | 6 | $1.7M | 2.1% | |
| 13 | Security State Bank and TrustFredericksburg, TX | 5 | $3.6M | 1.7% | |
| 14 | Broadway National BankSan Antonio, TX | 5 | $2.8M | 1.7% | |
| 15 | Wallis BankWallis, TX | 4 | $6.5M | 1.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 26 | 8.9% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 16 | 5.5% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 16 | 5.5% | |
| 4 | Personal Care ServicesNAICS 8121 | 16 | 5.5% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 13 | 4.5% | |
| 6 | Building Finishing ContractorsNAICS 2383 | 11 | 3.8% | |
| 7 | Traveler AccommodationNAICS 7211 | 10 | 3.4% | |
| 8 | Automotive Repair and MaintenanceNAICS 8111 | 10 | 3.4% | |
| 9 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 10 | 3.4% | |
| 10 | Residential Building ConstructionNAICS 2361 | 8 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 44 | 15.1% | |
| 2 | Construction | 43 | 14.7% | |
| 3 | Other Services (except Public Administration) | 32 | 11.0% | |
| 4 | Professional, Scientific, and Technical Services | 28 | 9.6% | |
| 5 | Retail Trade | 24 | 8.2% | |
| 6 | Manufacturing | 21 | 7.2% | |
| 7 | Health Care and Social Assistance | 20 | 6.8% | |
| 8 | Arts, Entertainment, and Recreation | 19 | 6.5% |
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* | 39 | $30.7M | $259K | 5 | $6.4M | 44 | 665 |
| FY2025 | 64 | $39.7M | $250K | 9 | $12.5M | 73 | 573 |
| FY2024 | 60 | $26.0M | $163K | 6 | $8.8M | 66 | 612 |
| FY2023 | 49 | $35.1M | $400K | 11 | $18.0M | 60 | 629 |
| FY2022 | 38 | $29.4M | $350K | 10 | $11.0M | 48 | 552 |
| FY2021 | 38 | $30.9M | $429K | 7 | $5.2M | 45 | 461 |
| FY2020 | 28 | $34.5M | $414K | 7 | $9.3M | 35 | 609 |
| FY2019 | 30 | $14.3M | $253K | 4 | $5.6M | 34 | 298 |
| FY2018 | 36 | $17.8M | $350K | 3 | $3.8M | 39 | 402 |
| FY2017 | 51 | $20.5M | $140K | 3 | $1.9M | 54 | 812 |
| FY2016 | 29 | $15.5M | $250K | 10 | $13.9M | 39 | 329 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 201 approvals.
Against Texas and the country
| FY2021–FY2025 | Hays County | Texas | United States |
|---|---|---|---|
| Approvals | 292 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 49.6 | 37.2 | 41.0 |
| Median 7(a) approval | $323K | $320K | $190K |
| Median 504 approval | $885K | $974K | $657K |
| Average approval | $742K | $770K | $573K |
| 504 share of approvals | 14.7% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 9.7 | 12.6 | 10.5 |
| Share of state approvals | 1.2% | 100.0% | — |
Approval sizes
- $50,000 or less13.0%38
- $50,001 to $150,00016.8%49
- $150,001 to $350,00018.2%53
- $350,001 to $1 million32.2%94
- $1 million to $2 million9.9%29
- Over $2 million9.9%29
Age of the businesses
- Existing, more than 2 years old41.8%122
- New business, 2 years or less17.1%50
- Startup, loan funds will open the business32.9%96
- Change of ownership7.9%23
- Not answered0.3%1
Questions and answers
Which lenders make the most SBA loans in Hays County?
By approvals in FY2021 to FY2025: The Huntington National Bank (32), Capital Certified Development Corporation (30), Wells Fargo Bank National Association (21), Northeast Bank (11), Live Oak Banking Company (10). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Hays County?
The median 7(a) approval was $323K and the median 504 approval $885K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Hays County?
Restaurants and Other Eating Places (26); Other Amusement and Recreation Industries (16); Building Equipment Contractors (16); Personal Care Services (16); Services to Buildings and Dwellings (13).
Is SBA lending in Hays County rising?
Approvals in the three latest complete fiscal years total 199, against 128 in the three before: rising (+55%).
How does Hays County compare with the rest of Texas?
49.6 approvals per 1,000 establishments against 37.2 statewide, and 292 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