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County30th of 227 in Texas by approvalsFIPS 48257
SBA loans in Kaufman 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 128 loans to businesses in Kaufman County, Texas, in FY2021 to FY2025, worth $116M: 118 under 7(a) and 10 under 504.
That is 51.2 approvals per 1,000 business establishments (2,500 establishments in 2023), above the Texas figure of 37.2 and above the national 41.0.
It ranks 30th of 227 Texas counties with approvals. In FY2025 there were 34, up 21% on FY2024.
54 lenders had approvals here; the most active were The American National Bank of Texas (20), Wells Fargo Bank National Association (8) and Celtic Bank Corporation (7). 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 Kaufman County
By number of approvals to businesses in the county, FY2021–FY2025; 54 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The American National Bank of TexasTerrell, TX | 20 | $19.8M | 15.6% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 8 | $120K | 6.3% | |
| 3 | Celtic Bank CorporationSalt Lake City, UT | 7 | $13.2M | 5.5% | |
| 4 | Northeast BankLewiston, ME | 7 | $1.3M | 5.5% | |
| 5 | United Midwest Savings Bank National AssociationDe Graff, OH | 6 | $2.0M | 4.7% | |
| 6 | Metro City BankDoraville, GA | 5 | $7.1M | 3.9% | |
| 7 | BayFirst National BankSaint Petersburg, FL | 4 | $567K | 3.1% | |
| 8 | JPMorgan Chase Bank, National AssociationColumbus, OH | 4 | $402K | 3.1% | |
| 9 | LiftFund, Inc.San Antonio, TX · CDC | 3 | $8.8M | 2.3% | |
| 10 | Capital Certified Development CorporationAustin, TX · CDC | 3 | $4.8M | 2.3% | |
| 11 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $4.3M | 2.3% | |
| 12 | Lendistry SBLC, LLCLos Angeles, CA | 3 | $803K | 2.3% | |
| 13 | Newtek Bank, National AssociationMiami, FL | 3 | $800K | 2.3% | |
| 14 | Bank Five NineOconomowoc, WI | 3 | $615K | 2.3% | |
| 15 | The Huntington National BankColumbus, OH | 3 | $524K | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 12 | 9.4% | |
| 2 | Child Day Care ServicesNAICS 6244 | 9 | 7.0% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 7 | 5.5% | |
| 4 | Gasoline StationsNAICS 4571 | 5 | 3.9% | |
| 5 | Gasoline StationsNAICS 4471 | 5 | 3.9% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 3.1% | |
| 7 | Offices of PhysiciansNAICS 6211 | 4 | 3.1% | |
| 8 | Architectural, Engineering, and Related ServicesNAICS 5413 | 4 | 3.1% | |
| 9 | Traveler AccommodationNAICS 7211 | 3 | 2.3% | |
| 10 | Beer, Wine, and Liquor StoresNAICS 4453 | 3 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 22 | 17.2% | |
| 2 | Manufacturing | 16 | 12.5% | |
| 3 | Health Care and Social Assistance | 16 | 12.5% | |
| 4 | Construction | 16 | 12.5% | |
| 5 | Accommodation and Food Services | 15 | 11.7% | |
| 6 | Professional, Scientific, and Technical Services | 11 | 8.6% | |
| 7 | Other Services (except Public Administration) | 8 | 6.3% | |
| 8 | Transportation and Warehousing | 6 | 4.7% |
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* | 20 | $17.7M | $250K | 3 | $8.0M | 23 | 233 |
| FY2025 | 31 | $28.0M | $240K | 3 | $9.3M | 34 | 354 |
| FY2024 | 26 | $17.5M | $285K | 2 | — | 28 | 368 |
| FY2023 | 24 | $19.0M | $339K | 2 | — | 26 | 262 |
| FY2022 | 14 | $11.7M | $172K | 2 | — | 16 | 97 |
| FY2021 | 23 | $20.9M | $663K | 1 | — | 24 | 376 |
| FY2020 | 8 | $2.9M | $241K | 3 | $5.3M | 11 | 133 |
| FY2019 | 22 | $17.3M | $382K | 2 | — | 24 | 204 |
| FY2018 | 21 | $12.3M | $300K | 3 | $6.3M | 24 | 463 |
| FY2017 | 19 | $10.5M | $350K | 0 | — | 19 | 253 |
| FY2016 | 25 | $11.2M | $150K | 1 | — | 26 | 275 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 104 approvals.
Against Texas and the country
| FY2021–FY2025 | Kaufman County | Texas | United States |
|---|---|---|---|
| Approvals | 128 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 51.2 | 37.2 | 41.0 |
| Median 7(a) approval | $300K | $320K | $190K |
| Median 504 approval | $1.6M | $974K | $657K |
| Average approval | $906K | $770K | $573K |
| 504 share of approvals | 7.8% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 11.4 | 12.6 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less14.1%18
- $50,001 to $150,00017.2%22
- $150,001 to $350,00018.8%24
- $350,001 to $1 million18.8%24
- $1 million to $2 million17.2%22
- Over $2 million14.1%18
Age of the businesses
- Existing, more than 2 years old44.5%57
- New business, 2 years or less20.3%26
- Startup, loan funds will open the business24.2%31
- Change of ownership10.9%14
Questions and answers
Which lenders make the most SBA loans in Kaufman County?
By approvals in FY2021 to FY2025: The American National Bank of Texas (20), Wells Fargo Bank National Association (8), Celtic Bank Corporation (7), Northeast Bank (7), United Midwest Savings Bank National Association (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Kaufman County?
The median 7(a) approval was $300K and the median 504 approval $1.6M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Kaufman County?
Restaurants and Other Eating Places (12); Child Day Care Services (9); Building Equipment Contractors (7); Gasoline Stations (5); Gasoline Stations (5).
Is SBA lending in Kaufman County rising?
Approvals in the three latest complete fiscal years total 88, against 51 in the three before: rising (+73%).
How does Kaufman County compare with the rest of Texas?
51.2 approvals per 1,000 establishments against 37.2 statewide, and 128 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