States › Texas › Williamson County
County8th of 227 in Texas by approvalsFIPS 48491
SBA loans in Williamson 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 908 loans to businesses in Williamson County, Texas, in FY2021 to FY2025, worth $647M: 828 under 7(a) and 80 under 504.
That is 60.4 approvals per 1,000 business establishments (15,041 establishments in 2023), above the Texas figure of 37.2 and above the national 41.0.
It ranks 8th of 227 Texas counties with approvals. In FY2025 there were 265, up 31% on FY2024.
131 lenders had approvals here; the most active were The Huntington National Bank (124), Capital Certified Development Corporation (52) and Newtek Bank, National Association (39). 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 Williamson County
By number of approvals to businesses in the county, FY2021–FY2025; 131 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 124 | $56.2M | 13.7% | |
| 2 | Capital Certified Development CorporationAustin, TX · CDC | 52 | $75.5M | 5.7% | |
| 3 | Newtek Bank, National AssociationMiami, FL | 39 | $13.0M | 4.3% | |
| 4 | Live Oak Banking CompanyWilmington, NC | 36 | $51.3M | 4.0% | |
| 5 | JPMorgan Chase Bank, National AssociationColumbus, OH | 36 | $8.4M | 4.0% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 31 | $12.1M | 3.4% | |
| 7 | Northeast BankLewiston, ME | 30 | $4.9M | 3.3% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 28 | $9.4M | 3.1% | |
| 9 | Readycap Lending, LLCBerkeley Heights, NJ | 27 | $22.1M | 3.0% | |
| 10 | United Midwest Savings Bank National AssociationDe Graff, OH | 23 | $7.1M | 2.5% | |
| 11 | Bank of America, National AssociationCharlotte, NC | 21 | $8.5M | 2.3% | |
| 12 | PeopleFundAustin, TX | 20 | $3.5M | 2.2% | |
| 13 | SouthStar Bank, S.S.B.Moulton, TX | 19 | $11.6M | 2.1% | |
| 14 | Fifth Third BankCincinnati, OH | 18 | $7.1M | 2.0% | |
| 15 | SouthState Bank, National AssociationWinter Haven, FL | 17 | $21.1M | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 99 | 10.9% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 45 | 5.0% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 39 | 4.3% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 39 | 4.3% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 31 | 3.4% | |
| 6 | Personal Care ServicesNAICS 8121 | 31 | 3.4% | |
| 7 | Building Equipment ContractorsNAICS 2382 | 29 | 3.2% | |
| 8 | Child Day Care ServicesNAICS 6244 | 28 | 3.1% | |
| 9 | Other Schools and InstructionNAICS 6116 | 24 | 2.6% | |
| 10 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 23 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 119 | 13.1% | |
| 2 | Health Care and Social Assistance | 112 | 12.3% | |
| 3 | Other Services (except Public Administration) | 106 | 11.7% | |
| 4 | Construction | 106 | 11.7% | |
| 5 | Professional, Scientific, and Technical Services | 86 | 9.5% | |
| 6 | Retail Trade | 73 | 8.0% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 63 | 6.9% | |
| 8 | Arts, Entertainment, and Recreation | 56 | 6.2% |
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* | 106 | $75.0M | $268K | 14 | $16.6M | 120 | 1,202 |
| FY2025 | 251 | $169M | $284K | 14 | $20.0M | 265 | 2,820 |
| FY2024 | 184 | $91.1M | $233K | 18 | $31.6M | 202 | 2,394 |
| FY2023 | 150 | $85.2M | $274K | 9 | $14.3M | 159 | 1,912 |
| FY2022 | 107 | $73.3M | $280K | 17 | $19.8M | 124 | 1,944 |
| FY2021 | 136 | $114M | $386K | 22 | $28.0M | 158 | 2,025 |
| FY2020 | 97 | $62.9M | $301K | 18 | $23.0M | 115 | 1,436 |
| FY2019 | 101 | $65.8M | $285K | 8 | $7.4M | 109 | 1,257 |
| FY2018 | 124 | $68.8M | $263K | 8 | $5.0M | 132 | 1,342 |
| FY2017 | 136 | $69.2M | $150K | 16 | $17.7M | 152 | 1,604 |
| FY2016 | 99 | $57.0M | $300K | 8 | $8.4M | 107 | 807 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 615 approvals.
Against Texas and the country
| FY2021–FY2025 | Williamson County | Texas | United States |
|---|---|---|---|
| Approvals | 908 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 60.4 | 37.2 | 41.0 |
| Median 7(a) approval | $281K | $320K | $190K |
| Median 504 approval | $1.1M | $974K | $657K |
| Average approval | $712K | $770K | $573K |
| 504 share of approvals | 8.8% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 12.2 | 12.6 | 10.5 |
| Share of state approvals | 3.6% | 100.0% | — |
Approval sizes
- $50,000 or less11.9%108
- $50,001 to $150,00019.8%180
- $150,001 to $350,00022.4%203
- $350,001 to $1 million26.4%240
- $1 million to $2 million9.3%84
- Over $2 million10.2%93
Age of the businesses
- Existing, more than 2 years old47.4%430
- New business, 2 years or less13.0%118
- Startup, loan funds will open the business32.6%296
- Change of ownership7.0%64
Questions and answers
Which lenders make the most SBA loans in Williamson County?
By approvals in FY2021 to FY2025: The Huntington National Bank (124), Capital Certified Development Corporation (52), Newtek Bank, National Association (39), Live Oak Banking Company (36), JPMorgan Chase Bank, National Association (36). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Williamson County?
The median 7(a) approval was $281K and the median 504 approval $1.1M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Williamson County?
Restaurants and Other Eating Places (99); Other Amusement and Recreation Industries (45); Automotive Repair and Maintenance (39); Services to Buildings and Dwellings (39); Offices of Other Health Practitioners (31).
Is SBA lending in Williamson County rising?
Approvals in the three latest complete fiscal years total 626, against 397 in the three before: rising (+58%).
How does Williamson County compare with the rest of Texas?
60.4 approvals per 1,000 establishments against 37.2 statewide, and 908 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