States › Texas › Waller County
County45th of 227 in Texas by approvalsFIPS 48473
SBA loans in Waller 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 55 loans to businesses in Waller County, Texas, in FY2021 to FY2025, worth $65.2M: 46 under 7(a) and 9 under 504.
That is 50.8 approvals per 1,000 business establishments (1,082 establishments in 2023), above the Texas figure of 37.2 and above the national 41.0.
It ranks 45th of 227 Texas counties with approvals. In FY2025 there were 12, up 9% on FY2024.
41 lenders had approvals here; the most active were Capital Certified Development Corporation (4), The Huntington National Bank (3) and JPMorgan Chase Bank, National Association (3). The most common industry was other personal services.
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 Waller County
By number of approvals to businesses in the county, FY2021–FY2025; 41 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Capital Certified Development CorporationAustin, TX · CDC | 4 | $12.6M | 7.3% | |
| 2 | The Huntington National BankColumbus, OH | 3 | $1.5M | 5.5% | |
| 3 | JPMorgan Chase Bank, National AssociationColumbus, OH | 3 | $1.1M | 5.5% | |
| 4 | First Internet Bank of IndianaFishers, IN | 2 | — | 3.6% | |
| 5 | Metro City BankDoraville, GA | 2 | — | 3.6% | |
| 6 | Frost BankSan Antonio, TX | 2 | — | 3.6% | |
| 7 | First Service Credit UnionHouston, TX | 2 | — | 3.6% | |
| 8 | Regions BankBirmingham, AL | 2 | — | 3.6% | |
| 9 | Zions Bank, A Division ofSalt Lake City, UT | 2 | — | 3.6% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 2 | — | 3.6% | |
| 11 | American Continental BankCity of Industry, CA | 1 | — | 1.8% | |
| 12 | PCB BankLos Angeles, CA | 1 | — | 1.8% | |
| 13 | LiftFund, Inc.San Antonio, TX · CDC | 1 | — | 1.8% | |
| 14 | VelocitySBA, LLCIrving, TX | 1 | — | 1.8% | |
| 15 | Stellar BankHouston, TX | 1 | — | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Personal ServicesNAICS 8129 | 5 | 9.1% | |
| 2 | Building Finishing ContractorsNAICS 2383 | 5 | 9.1% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 9.1% | |
| 4 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 3 | 5.5% | |
| 5 | Gasoline StationsNAICS 4471 | 2 | 3.6% | |
| 6 | Child Day Care ServicesNAICS 6244 | 2 | 3.6% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 2 | 3.6% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 2 | 3.6% | |
| 9 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 2 | 3.6% | |
| 10 | Plastics Product ManufacturingNAICS 3261 | 1 | 1.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 8 | 14.5% | |
| 2 | Wholesale Trade | 7 | 12.7% | |
| 3 | Retail Trade | 7 | 12.7% | |
| 4 | Other Services (except Public Administration) | 7 | 12.7% | |
| 5 | Accommodation and Food Services | 7 | 12.7% | |
| 6 | Manufacturing | 5 | 9.1% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 4 | 7.3% | |
| 8 | Arts, Entertainment, and Recreation | 3 | 5.5% |
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* | 18 | $23.2M | $409K | 2 | — | 20 | 218 |
| FY2025 | 10 | $9.9M | $720K | 2 | — | 12 | 324 |
| FY2024 | 8 | $7.9M | $450K | 3 | $9.0M | 11 | 287 |
| FY2023 | 3 | $8.6M | $2.1M | 2 | — | 5 | 106 |
| FY2022 | 11 | $9.6M | $585K | 0 | — | 11 | 77 |
| FY2021 | 14 | $8.8M | $350K | 2 | — | 16 | 116 |
| FY2020 | 5 | $1.7M | $250K | 1 | — | 6 | 25 |
| FY2019 | 6 | $3.1M | $415K | 0 | — | 6 | 48 |
| FY2018 | 8 | $14.7M | $1.7M | 0 | — | 8 | 156 |
| FY2017 | 7 | $10.6M | $1.1M | 0 | — | 7 | 88 |
| FY2016 | 12 | $13.1M | $530K | 0 | — | 12 | 175 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 39 approvals.
Against Texas and the country
| FY2021–FY2025 | Waller County | Texas | United States |
|---|---|---|---|
| Approvals | 55 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 50.8 | 37.2 | 41.0 |
| Median 7(a) approval | $595K | $320K | $190K |
| Median 504 approval | $1.7M | $974K | $657K |
| Average approval | $1.2M | $770K | $573K |
| 504 share of approvals | 16.4% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 16.5 | 12.6 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less7.3%4
- $50,001 to $150,0009.1%5
- $150,001 to $350,00021.8%12
- $350,001 to $1 million21.8%12
- $1 million to $2 million20.0%11
- Over $2 million20.0%11
Age of the businesses
- Existing, more than 2 years old49.1%27
- New business, 2 years or less20.0%11
- Startup, loan funds will open the business18.2%10
- Change of ownership12.7%7
Questions and answers
Which lenders make the most SBA loans in Waller County?
By approvals in FY2021 to FY2025: Capital Certified Development Corporation (4), The Huntington National Bank (3), JPMorgan Chase Bank, National Association (3), First Internet Bank of Indiana (2), Metro City Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Waller County?
The median 7(a) approval was $595K and the median 504 approval $1.7M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Waller County?
Other Personal Services (5); Building Finishing Contractors (5); Restaurants and Other Eating Places (5); Automotive Parts, Accessories, and Tire Stores (3); Gasoline Stations (2).
Is SBA lending in Waller County rising?
Approvals in the three latest complete fiscal years total 28, against 33 in the three before: falling (-15%).
How does Waller County compare with the rest of Texas?
50.8 approvals per 1,000 establishments against 37.2 statewide, and 55 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