States › Texas › Jefferson County
County32nd of 227 in Texas by approvalsFIPS 48245
SBA loans in Jefferson 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 Jefferson County, Texas, received 125 SBA loan approvals worth $146M in FY2021 to FY2025 (113 7(a), 12 504).
That is 21.9 approvals per 1,000 business establishments (5,710 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 32nd of 227 Texas counties with approvals. In FY2025 there were 23, about level with FY2024.
46 lenders had approvals here; the most active were North Texas Certified Development Corporation (11), Live Oak Banking Company (8) and Stellar Bank (7). The most common industry was gasoline stations.
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 Jefferson County
By number of approvals to businesses in the county, FY2021–FY2025; 46 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | North Texas Certified Development CorporationPlano, TX · CDC | 11 | $11.9M | 8.8% | |
| 2 | Live Oak Banking CompanyWilmington, NC | 8 | $12.0M | 6.4% | |
| 3 | Stellar BankHouston, TX | 7 | $11.5M | 5.6% | |
| 4 | Newtek Bank, National AssociationMiami, FL | 7 | $6.5M | 5.6% | |
| 5 | Third Coast BankHumble, TX | 6 | $8.5M | 4.8% | |
| 6 | Hancock Whitney BankGulfport, MS | 6 | $8.2M | 4.8% | |
| 7 | First Financial BankAbilene, TX | 6 | $3.0M | 4.8% | |
| 8 | The Huntington National BankColumbus, OH | 5 | $13.1M | 4.0% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 5 | $750K | 4.0% | |
| 10 | Wallis BankWallis, TX | 4 | $12.7M | 3.2% | |
| 11 | First State Bank of TexasOrange, TX | 4 | $6.8M | 3.2% | |
| 12 | JPMorgan Chase Bank, National AssociationColumbus, OH | 4 | $1.5M | 3.2% | |
| 13 | PNC Bank, National AssociationWilmington, DE | 4 | $521K | 3.2% | |
| 14 | Celtic Bank CorporationSalt Lake City, UT | 3 | $7.3M | 2.4% | |
| 15 | Wells Fargo Bank National AssociationSioux Falls, SD | 3 | $50K | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Gasoline StationsNAICS 4571 | 9 | 7.2% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 7.2% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 8 | 6.4% | |
| 4 | Gasoline StationsNAICS 4471 | 7 | 5.6% | |
| 5 | Traveler AccommodationNAICS 7211 | 6 | 4.8% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 4.0% | |
| 7 | Offices of PhysiciansNAICS 6211 | 5 | 4.0% | |
| 8 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 4 | 3.2% | |
| 9 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 4 | 3.2% | |
| 10 | Architectural, Engineering, and Related ServicesNAICS 5413 | 4 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 27 | 21.6% | |
| 2 | Accommodation and Food Services | 16 | 12.8% | |
| 3 | Health Care and Social Assistance | 16 | 12.8% | |
| 4 | Professional, Scientific, and Technical Services | 12 | 9.6% | |
| 5 | Other Services (except Public Administration) | 10 | 8.0% | |
| 6 | Construction | 8 | 6.4% | |
| 7 | Arts, Entertainment, and Recreation | 8 | 6.4% | |
| 8 | Wholesale Trade | 7 | 5.6% |
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 | $11.2M | $470K | 1 | — | 14 | 126 |
| FY2025 | 23 | $19.0M | $436K | 0 | — | 23 | 226 |
| FY2024 | 22 | $18.6M | $323K | 2 | — | 24 | 410 |
| FY2023 | 16 | $20.2M | $635K | 3 | $5.3M | 19 | 255 |
| FY2022 | 22 | $31.9M | $687K | 2 | — | 24 | 356 |
| FY2021 | 30 | $43.4M | $815K | 5 | $1.8M | 35 | 340 |
| FY2020 | 20 | $18.5M | $740K | 1 | — | 21 | 176 |
| FY2019 | 26 | $21.3M | $373K | 2 | — | 28 | 390 |
| FY2018 | 22 | $24.0M | $322K | 0 | — | 22 | 367 |
| FY2017 | 32 | $16.6M | $50K | 5 | $2.4M | 37 | 302 |
| FY2016 | 29 | $20.3M | $478K | 1 | — | 30 | 256 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 138 approvals.
Against Texas and the country
| FY2021–FY2025 | Jefferson County | Texas | United States |
|---|---|---|---|
| Approvals | 125 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 21.9 | 37.2 | 41.0 |
| Median 7(a) approval | $577K | $320K | $190K |
| Median 504 approval | $463K | $974K | $657K |
| Average approval | $1.2M | $770K | $573K |
| 504 share of approvals | 9.6% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 12.7 | 12.6 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less10.4%13
- $50,001 to $150,00012.8%16
- $150,001 to $350,00016.0%20
- $350,001 to $1 million26.4%33
- $1 million to $2 million11.2%14
- Over $2 million23.2%29
Age of the businesses
- Existing, more than 2 years old45.6%57
- New business, 2 years or less18.4%23
- Startup, loan funds will open the business24.0%30
- Change of ownership12.0%15
Questions and answers
Which lenders make the most SBA loans in Jefferson County?
By approvals in FY2021 to FY2025: North Texas Certified Development Corporation (11), Live Oak Banking Company (8), Stellar Bank (7), Newtek Bank, National Association (7), Third Coast Bank (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Jefferson County?
The median 7(a) approval was $577K and the median 504 approval $463K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Jefferson County?
Gasoline Stations (9); Restaurants and Other Eating Places (9); Other Amusement and Recreation Industries (8); Gasoline Stations (7); Traveler Accommodation (6).
Is SBA lending in Jefferson County rising?
Approvals in the three latest complete fiscal years total 66, against 80 in the three before: falling (-17%).
How does Jefferson County compare with the rest of Texas?
21.9 approvals per 1,000 establishments against 37.2 statewide, and 125 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