States › Texas › Montgomery County
County10th of 227 in Texas by approvalsFIPS 48339
SBA loans in Montgomery 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 752 loans to businesses in Montgomery County, Texas, in FY2021 to FY2025, worth $544M: 700 under 7(a) and 52 under 504.
That is 50.1 approvals per 1,000 business establishments (15,014 establishments in 2023), above the Texas figure of 37.2 and above the national 41.0.
It ranks 10th of 227 Texas counties with approvals. In FY2025 there were 225, up 51% on FY2024.
127 lenders had approvals here; the most active were The Huntington National Bank (70), Zions Bank, A Division of (64) and Wells Fargo Bank National Association (38). 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 Montgomery County
By number of approvals to businesses in the county, FY2021–FY2025; 127 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 70 | $23.7M | 9.3% | |
| 2 | Zions Bank, A Division ofSalt Lake City, UT | 64 | $17.9M | 8.5% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 38 | $7.0M | 5.1% | |
| 4 | Live Oak Banking CompanyWilmington, NC | 30 | $38.1M | 4.0% | |
| 5 | Newtek Bank, National AssociationMiami, FL | 29 | $15.6M | 3.9% | |
| 6 | JPMorgan Chase Bank, National AssociationColumbus, OH | 29 | $7.9M | 3.9% | |
| 7 | United Midwest Savings Bank National AssociationDe Graff, OH | 28 | $8.2M | 3.7% | |
| 8 | Northeast BankLewiston, ME | 23 | $3.7M | 3.1% | |
| 9 | First Bank of the LakeOsage Beach, MO | 22 | $10.7M | 2.9% | |
| 10 | Capital Certified Development CorporationAustin, TX · CDC | 20 | $36.2M | 2.7% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 20 | $4.6M | 2.7% | |
| 12 | Readycap Lending, LLCBerkeley Heights, NJ | 18 | $5.1M | 2.4% | |
| 13 | Wallis BankWallis, TX | 14 | $28.7M | 1.9% | |
| 14 | Stellar BankHouston, TX | 14 | $12.3M | 1.9% | |
| 15 | Simmons BankPine Bluff, AR | 13 | $10.9M | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 55 | 7.3% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 45 | 6.0% | |
| 3 | Other Personal ServicesNAICS 8129 | 27 | 3.6% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 25 | 3.3% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 22 | 2.9% | |
| 6 | Residential Building ConstructionNAICS 2361 | 22 | 2.9% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 21 | 2.8% | |
| 8 | Child Day Care ServicesNAICS 6244 | 21 | 2.8% | |
| 9 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 21 | 2.8% | |
| 10 | Personal Care ServicesNAICS 8121 | 20 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 112 | 14.9% | |
| 2 | Health Care and Social Assistance | 94 | 12.5% | |
| 3 | Retail Trade | 81 | 10.8% | |
| 4 | Other Services (except Public Administration) | 76 | 10.1% | |
| 5 | Accommodation and Food Services | 71 | 9.4% | |
| 6 | Professional, Scientific, and Technical Services | 66 | 8.8% | |
| 7 | Arts, Entertainment, and Recreation | 46 | 6.1% | |
| 8 | Manufacturing | 43 | 5.7% |
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* | 100 | $54.8M | $250K | 5 | $11.3M | 105 | 1,129 |
| FY2025 | 212 | $133M | $228K | 13 | $23.1M | 225 | 2,169 |
| FY2024 | 139 | $88.7M | $250K | 10 | $13.5M | 149 | 1,834 |
| FY2023 | 130 | $67.6M | $273K | 10 | $17.2M | 140 | 1,656 |
| FY2022 | 90 | $57.2M | $320K | 8 | $9.9M | 98 | 1,489 |
| FY2021 | 129 | $114M | $376K | 11 | $19.2M | 140 | 1,469 |
| FY2020 | 90 | $65.1M | $300K | 6 | $3.5M | 96 | 916 |
| FY2019 | 111 | $78.4M | $320K | 5 | $6.2M | 116 | 1,026 |
| FY2018 | 131 | $74.7M | $225K | 6 | $7.4M | 137 | 1,245 |
| FY2017 | 148 | $70.3M | $150K | 3 | $3.5M | 151 | 1,342 |
| FY2016 | 141 | $89.0M | $250K | 4 | $4.6M | 145 | 1,523 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 645 approvals.
Against Texas and the country
| FY2021–FY2025 | Montgomery County | Texas | United States |
|---|---|---|---|
| Approvals | 752 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 50.1 | 37.2 | 41.0 |
| Median 7(a) approval | $294K | $320K | $190K |
| Median 504 approval | $1.2M | $974K | $657K |
| Average approval | $723K | $770K | $573K |
| 504 share of approvals | 6.9% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 11.5 | 12.6 | 10.5 |
| Share of state approvals | 3.0% | 100.0% | — |
Approval sizes
- $50,000 or less14.5%109
- $50,001 to $150,00019.7%148
- $150,001 to $350,00020.7%156
- $350,001 to $1 million25.8%194
- $1 million to $2 million8.5%64
- Over $2 million10.8%81
Age of the businesses
- Existing, more than 2 years old48.3%363
- New business, 2 years or less13.3%100
- Startup, loan funds will open the business29.8%224
- Change of ownership8.6%65
Questions and answers
Which lenders make the most SBA loans in Montgomery County?
By approvals in FY2021 to FY2025: The Huntington National Bank (70), Zions Bank, A Division of (64), Wells Fargo Bank National Association (38), Live Oak Banking Company (30), Newtek Bank, National Association (29). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Montgomery County?
The median 7(a) approval was $294K and the median 504 approval $1.2M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Montgomery County?
Restaurants and Other Eating Places (55); Other Amusement and Recreation Industries (45); Other Personal Services (27); Offices of Other Health Practitioners (25); Services to Buildings and Dwellings (22).
Is SBA lending in Montgomery County rising?
Approvals in the three latest complete fiscal years total 514, against 334 in the three before: rising (+54%).
How does Montgomery County compare with the rest of Texas?
50.1 approvals per 1,000 establishments against 37.2 statewide, and 752 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