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County20th of 227 in Texas by approvalsFIPS 48397
SBA loans in Rockwall 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 172 loans to businesses in Rockwall County, Texas, in FY2021 to FY2025, worth $118M: 163 under 7(a) and 9 under 504.
That is 57.6 approvals per 1,000 business establishments (2,986 establishments in 2023), above the Texas figure of 37.2 and above the national 41.0.
It ranks 20th of 227 Texas counties with approvals. In FY2025 there were 56, up 44% on FY2024.
72 lenders had approvals here; the most active were Wells Fargo Bank National Association (11), SouthState Bank, National Association (10) and Northeast Bank (10). 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 Rockwall County
By number of approvals to businesses in the county, FY2021–FY2025; 72 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National AssociationSioux Falls, SD | 11 | $2.3M | 6.4% | |
| 2 | SouthState Bank, National AssociationWinter Haven, FL | 10 | $3.4M | 5.8% | |
| 3 | Northeast BankLewiston, ME | 10 | $2.2M | 5.8% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 9 | $2.1M | 5.2% | |
| 5 | Newtek Bank, National AssociationMiami, FL | 8 | $1.5M | 4.7% | |
| 6 | The Huntington National BankColumbus, OH | 7 | $2.1M | 4.1% | |
| 7 | The American National Bank of TexasTerrell, TX | 7 | $1.9M | 4.1% | |
| 8 | Frost BankSan Antonio, TX | 7 | $1.8M | 4.1% | |
| 9 | JPMorgan Chase Bank, National AssociationColumbus, OH | 7 | $754K | 4.1% | |
| 10 | First Bank of the LakeOsage Beach, MO | 5 | $3.3M | 2.9% | |
| 11 | Greater East Texas Certified Development CompanyTyler, TX · CDC | 4 | $3.2M | 2.3% | |
| 12 | One World BankDallas, TX | 3 | $8.7M | 1.7% | |
| 13 | Celtic Bank CorporationSalt Lake City, UT | 3 | $5.2M | 1.7% | |
| 14 | Byline BankChicago, IL | 3 | $3.4M | 1.7% | |
| 15 | Open BankLos Angeles, CA | 3 | $3.1M | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 27 | 15.7% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 11 | 6.4% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 11 | 6.4% | |
| 4 | Personal Care ServicesNAICS 8121 | 7 | 4.1% | |
| 5 | Child Day Care ServicesNAICS 6244 | 6 | 3.5% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 6 | 3.5% | |
| 7 | Other Personal ServicesNAICS 8129 | 5 | 2.9% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 5 | 2.9% | |
| 9 | Clothing and Clothing Accessories RetailersNAICS 4581 | 5 | 2.9% | |
| 10 | Offices of PhysiciansNAICS 6211 | 4 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 29 | 16.9% | |
| 2 | Other Services (except Public Administration) | 27 | 15.7% | |
| 3 | Health Care and Social Assistance | 24 | 14.0% | |
| 4 | Construction | 18 | 10.5% | |
| 5 | Retail Trade | 17 | 9.9% | |
| 6 | Arts, Entertainment, and Recreation | 11 | 6.4% | |
| 7 | Professional, Scientific, and Technical Services | 9 | 5.2% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 8 | 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 | $25.5M | $219K | 2 | — | 22 | 249 |
| FY2025 | 55 | $31.8M | $250K | 1 | — | 56 | 607 |
| FY2024 | 38 | $21.8M | $191K | 1 | — | 39 | 594 |
| FY2023 | 23 | $18.6M | $500K | 2 | — | 25 | 822 |
| FY2022 | 18 | $12.6M | $453K | 2 | — | 20 | 372 |
| FY2021 | 29 | $21.4M | $350K | 3 | $3.1M | 32 | 462 |
| FY2020 | 15 | $9.0M | $302K | 1 | — | 16 | 121 |
| FY2019 | 26 | $14.7M | $250K | 2 | — | 28 | 354 |
| FY2018 | 28 | $17.3M | $158K | 2 | — | 30 | 328 |
| FY2017 | 17 | $11.3M | $350K | 5 | $9.0M | 22 | 423 |
| FY2016 | 18 | $13.5M | $135K | 3 | $2.9M | 21 | 155 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 117 approvals.
Against Texas and the country
| FY2021–FY2025 | Rockwall County | Texas | United States |
|---|---|---|---|
| Approvals | 172 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 57.6 | 37.2 | 41.0 |
| Median 7(a) approval | $349K | $320K | $190K |
| Median 504 approval | $1.5M | $974K | $657K |
| Average approval | $688K | $770K | $573K |
| 504 share of approvals | 5.2% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 16.6 | 12.6 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less15.1%26
- $50,001 to $150,00014.5%25
- $150,001 to $350,00020.3%35
- $350,001 to $1 million32.6%56
- $1 million to $2 million11.0%19
- Over $2 million6.4%11
Age of the businesses
- Existing, more than 2 years old40.7%70
- New business, 2 years or less18.6%32
- Startup, loan funds will open the business30.2%52
- Change of ownership9.9%17
- Not answered0.6%1
Questions and answers
Which lenders make the most SBA loans in Rockwall County?
By approvals in FY2021 to FY2025: Wells Fargo Bank National Association (11), SouthState Bank, National Association (10), Northeast Bank (10), Readycap Lending, LLC (9), Newtek Bank, National Association (8). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Rockwall County?
The median 7(a) approval was $349K and the median 504 approval $1.5M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Rockwall County?
Restaurants and Other Eating Places (27); Automotive Repair and Maintenance (11); Other Amusement and Recreation Industries (11); Personal Care Services (7); Child Day Care Services (6).
Is SBA lending in Rockwall County rising?
Approvals in the three latest complete fiscal years total 120, against 68 in the three before: rising (+76%).
How does Rockwall County compare with the rest of Texas?
57.6 approvals per 1,000 establishments against 37.2 statewide, and 172 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