County38th of 227 in Texas by approvalsFIPS 48231
SBA loans in Hunt 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 75 loans to businesses in Hunt County, Texas, in FY2021 to FY2025, worth $95.8M: 71 under 7(a) and 4 under 504.
That is 40.5 approvals per 1,000 business establishments (1,854 establishments in 2023), close to the Texas figure of 37.2 and close to the national 41.0.
It ranks 38th of 227 Texas counties with approvals. In FY2025 there were 21, about level with FY2024.
52 lenders had approvals here; the most active were Northeast Bank (5), Readycap Lending, LLC (4) and Security National Bank of Omaha (3). 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 Hunt County
By number of approvals to businesses in the county, FY2021–FY2025; 52 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Northeast BankLewiston, ME | 5 | $726K | 6.7% | |
| 2 | Readycap Lending, LLCBerkeley Heights, NJ | 4 | $5.3M | 5.3% | |
| 3 | Security National Bank of OmahaOmaha, NE | 3 | $5.2M | 4.0% | |
| 4 | Metro City BankDoraville, GA | 3 | $5.1M | 4.0% | |
| 5 | The Huntington National BankColumbus, OH | 3 | $4.8M | 4.0% | |
| 6 | Celtic Bank CorporationSalt Lake City, UT | 3 | $2.3M | 4.0% | |
| 7 | The American National Bank of TexasTerrell, TX | 3 | $2.0M | 4.0% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 3 | $450K | 4.0% | |
| 9 | Newtek Bank, National AssociationMiami, FL | 3 | $330K | 4.0% | |
| 10 | Capital Certified Development CorporationAustin, TX · CDC | 2 | — | 2.7% | |
| 11 | First Internet Bank of IndianaFishers, IN | 2 | — | 2.7% | |
| 12 | First Commonwealth BankIndiana, PA | 1 | — | 1.3% | |
| 13 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.3% | |
| 14 | First Federal Community Bank, SSBParis, TX | 1 | — | 1.3% | |
| 15 | VelocitySBA, LLCIrving, TX | 1 | — | 1.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 12.0% | |
| 2 | Gasoline StationsNAICS 4471 | 6 | 8.0% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 5.3% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 5.3% | |
| 5 | Cement and Concrete Product ManufacturingNAICS 3273 | 3 | 4.0% | |
| 6 | Gasoline StationsNAICS 4571 | 3 | 4.0% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 4.0% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 3 | 4.0% | |
| 9 | Electrical Equipment ManufacturingNAICS 3353 | 2 | 2.7% | |
| 10 | Other Personal ServicesNAICS 8129 | 2 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 17 | 22.7% | |
| 2 | Accommodation and Food Services | 13 | 17.3% | |
| 3 | Construction | 11 | 14.7% | |
| 4 | Manufacturing | 10 | 13.3% | |
| 5 | Other Services (except Public Administration) | 8 | 10.7% | |
| 6 | Health Care and Social Assistance | 4 | 5.3% | |
| 7 | Arts, Entertainment, and Recreation | 3 | 4.0% | |
| 8 | Transportation and Warehousing | 3 | 4.0% |
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* | 13 | $13.8M | $350K | 1 | — | 14 | 126 |
| FY2025 | 20 | $21.3M | $701K | 1 | — | 21 | 240 |
| FY2024 | 18 | $21.6M | $643K | 2 | — | 20 | 314 |
| FY2023 | 12 | $14.4M | $233K | 1 | — | 13 | 129 |
| FY2022 | 7 | $8.2M | $1.1M | 0 | — | 7 | 44 |
| FY2021 | 14 | $22.1M | $1.2M | 0 | — | 14 | 197 |
| FY2020 | 4 | $1.8M | $468K | 1 | — | 5 | 55 |
| FY2019 | 13 | $12.5M | $875K | 0 | — | 13 | 229 |
| FY2018 | 14 | $13.1M | $259K | 0 | — | 14 | 146 |
| FY2017 | 17 | $13.9M | $440K | 0 | — | 17 | 248 |
| FY2016 | 5 | $2.5M | $603K | 0 | — | 5 | 34 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 54 approvals.
Against Texas and the country
| FY2021–FY2025 | Hunt County | Texas | United States |
|---|---|---|---|
| Approvals | 75 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 40.5 | 37.2 | 41.0 |
| Median 7(a) approval | $825K | $320K | $190K |
| Median 504 approval | $1.1M | $974K | $657K |
| Average approval | $1.3M | $770K | $573K |
| 504 share of approvals | 5.3% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 12.3 | 12.6 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less5.3%4
- $50,001 to $150,00017.3%13
- $150,001 to $350,0008.0%6
- $350,001 to $1 million26.7%20
- $1 million to $2 million21.3%16
- Over $2 million21.3%16
Age of the businesses
- Existing, more than 2 years old44.0%33
- New business, 2 years or less20.0%15
- Startup, loan funds will open the business26.7%20
- Change of ownership9.3%7
Questions and answers
Which lenders make the most SBA loans in Hunt County?
By approvals in FY2021 to FY2025: Northeast Bank (5), Readycap Lending, LLC (4), Security National Bank of Omaha (3), Metro City Bank (3), The Huntington National Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Hunt County?
The median 7(a) approval was $825K and the median 504 approval $1.1M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Hunt County?
Restaurants and Other Eating Places (9); Gasoline Stations (6); Automotive Repair and Maintenance (4); Other Specialty Trade Contractors (4); Cement and Concrete Product Manufacturing (3).
Is SBA lending in Hunt County rising?
Approvals in the three latest complete fiscal years total 54, against 26 in the three before: rising (+108%).
How does Hunt County compare with the rest of Texas?
40.5 approvals per 1,000 establishments against 37.2 statewide, and 75 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