States › Texas
State7.3% of US approvals470 lenders active
SBA loans in Texas
7(a) and 504 approvals by fiscal year, the lenders behind them, and where in the state they went. Pick a fiscal year for that year's lenders and counties.
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 24,935 small business loans in Texas in FY2021 to FY2025: 23,243 under the 7(a) program and 1,692 under 504, worth $19.2bn together.
That is 37.2 approvals for every 1,000 business establishments in the state, against 41.0 nationally, and 7.3% of all approvals in the country (3rd of 54 states and territories).
In FY2025 there were 6,637 approvals totalling $4.63bn, up 20% on FY2024. The median 7(a) approval over the five years was $320K and the median 504 approval $974K.
470 lenders had at least one approval in the state; by number of 7(a) approvals the most active were The Huntington National Bank (2,161), Wells Fargo Bank National Association (1,255) and Newtek Bank, National Association (954).
Of 7(a) loans approved in FY2010 to FY2021 and disbursed, SBA records 8.5% as charged off, against 6.6% nationally.
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.
Most active 7(a) lenders in Texas
Ranked by number of approvals to businesses in the state, FY2021–FY2025. The column of bars shows each lender's approvals here in every fiscal year; the charged-off column is the lender's nationwide figure.
| # | Lender | Approvals in TX, FY2021–25 | Dollars | Share | Median approval, all states | FY2016–26 | Charged off, FY2010–21 loans |
|---|---|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 2,161 | $1.04bn | 9.3% | $92K | 5.7% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 1,255 | $274M | 5.4% | $15K | 7.9% | |
| 3 | Newtek Bank, National AssociationMiami, FL | 954 | $447M | 4.1% | $225K | — | |
| 4 | Northeast BankLewiston, ME | 943 | $140M | 4.1% | $106K | 12.8% | |
| 5 | BayFirst National BankSaint Petersburg, FL | 850 | $152M | 3.7% | $150K | 19.2% | |
| 6 | Readycap Lending, LLCBerkeley Heights, NJ | 829 | $453M | 3.6% | $138K | 4.3% | |
| 7 | JPMorgan Chase Bank, National AssociationColumbus, OH | 807 | $239M | 3.5% | $200K | 7.4% | |
| 8 | Live Oak Banking CompanyWilmington, NC | 806 | $1.22bn | 3.5% | $850K | 2.2% | |
| 9 | United Midwest Savings Bank National AssociationDe Graff, OH | 544 | $153M | 2.3% | $150K | 15.9% | |
| 10 | Zions Bank, A Division ofSalt Lake City, UT | 445 | $131M | 1.9% | $140K | 5.9% | |
| 11 | Fifth Third BankCincinnati, OH | 441 | $266M | 1.9% | $200K | 5.5% | |
| 12 | Frost BankSan Antonio, TX | 439 | $292M | 1.9% | $349K | 5.7% | |
| 13 | PNC Bank, National AssociationWilmington, DE | 432 | $202M | 1.9% | $50K | 8.1% | |
| 14 | Wallis BankWallis, TX | 397 | $641M | 1.7% | $997K | 4.1% | |
| 15 | Celtic Bank CorporationSalt Lake City, UT | 393 | $333M | 1.7% | $150K | 17.0% | |
| 16 | Bank of America, National AssociationCharlotte, NC | 355 | $206M | 1.5% | $300K | 2.6% | |
| 17 | Newtek Small Business Finance, Inc.Lake Success, NY | 353 | $248M | 1.5% | $300K | 6.8% | |
| 18 | PlainsCapital BankDallas, TX | 311 | $147M | 1.3% | $100K | 6.1% | |
| 19 | First Bank of the LakeOsage Beach, MO | 286 | $223M | 1.2% | $350K | 2.7% | |
| 20 | SouthState Bank, National AssociationWinter Haven, FL | 271 | $200M | 1.2% | $350K | 2.8% | |
| 21 | Lendistry SBLC, LLCLos Angeles, CA | 246 | $55.2M | 1.1% | $150K | 22.7% | |
| 22 | First Internet Bank of IndianaFishers, IN | 219 | $269M | 0.9% | $895K | 5.3% | |
| 23 | PeopleFundAustin, TX | 212 | $33.0M | 0.9% | $128K | 16.0% | |
| 24 | Byline BankChicago, IL | 198 | $247M | 0.9% | $806K | 9.5% | |
| 25 | Metro City BankDoraville, GA | 190 | $305M | 0.8% | $1.3M | 2.1% | |
| 26 | Bank of HopeLos Angeles, CA | 184 | $199M | 0.8% | $350K | 6.5% | |
| 27 | Citizens BankElizabethton, TN | 183 | $143M | 0.8% | $495K | 5.4% | |
| 28 | Stellar BankHouston, TX | 170 | $195M | 0.7% | $720K | 6.6% | |
| 29 | Enterprise Bank & TrustClayton, MO | 166 | $259M | 0.7% | $941K | 1.1% | |
| 30 | Regions BankBirmingham, AL | 154 | $205M | 0.7% | $527K | 4.7% | |
| 31 | LiftFund, Inc.San Antonio, TX | 154 | $25.0M | 0.7% | $150K | 12.2% | |
| 32 | Midwest Regional BankFestus, MO | 144 | $147M | 0.6% | $613K | 10.5% | |
| 33 | T Bank, National AssociationDallas, TX | 143 | $234M | 0.6% | $1.3M | 5.0% | |
| 34 | PCB BankLos Angeles, CA | 132 | $163M | 0.6% | $850K | 3.0% | |
| 35 | Security State Bank and TrustFredericksburg, TX | 130 | $85.5M | 0.6% | $450K | 2.6% | |
| 36 | First National Bank TexasKilleen, TX | 121 | $54.8M | 0.5% | $218K | 1.6% | |
| 37 | Colony BankFitzgerald, GA | 120 | $83.1M | 0.5% | $150K | 7.0% | |
| 38 | U.S. Bank, National AssociationCincinnati, OH | 118 | $64.6M | 0.5% | $45K | 6.2% | |
| 39 | First United Bank and Trust CompanyDurant, OK | 115 | $120M | 0.5% | $546K | 3.6% | |
| 40 | The American National Bank of TexasTerrell, TX | 115 | $83.6M | 0.5% | $500K | 5.0% |
504 certified development companies
| # | Lender | Approvals in TX, FY2021–25 | Dollars | Share | Median approval, all states | FY2016–26 | Charged off, FY2010–21 loans |
|---|---|---|---|---|---|---|---|
| 1 | Capital Certified Development CorporationAustin, TX · 504 CDC | 641 | $954M | 37.9% | $933K | 1.3% | |
| 2 | LiftFund, Inc.San Antonio, TX · 504 CDC | 255 | $327M | 15.1% | $934K | 2.8% | |
| 3 | North Texas Certified Development CorporationPlano, TX · 504 CDC | 207 | $258M | 12.2% | $851K | 1.5% | |
| 4 | Greater East Texas Certified Development CompanyTyler, TX · 504 CDC | 177 | $307M | 10.5% | $1.2M | 2.0% | |
| 5 | Texas Certified Development Company, Inc.Austin, TX · 504 CDC | 82 | $112M | 4.8% | $882K | 2.4% | |
| 6 | Community Certified Development CorporationHouston, TX · 504 CDC | 76 | $103M | 4.5% | $925K | 1.4% | |
| 7 | Caprock Business Finance Corporation, Inc.Lubbock, TX · 504 CDC | 61 | $56.0M | 3.6% | $663K | 0.0% | |
| 8 | Alliance Lending CorporationFort Worth, TX · 504 CDC | 43 | $44.1M | 2.5% | $746K | 0.8% | |
| 9 | PeopleFundAustin, TX · 504 CDC | 32 | $42.2M | 1.9% | $1.1M | 7.5% | |
| 10 | Lone Star State Capital CorporationHouston, TX · 504 CDC | 22 | $28.2M | 1.3% | $962K | — | |
| 11 | Texas Panhandle Regional Development CorporationAmarillo, TX · 504 CDC | 18 | $26.2M | 1.1% | $764K | 1.3% | |
| 12 | Brownsville Local Development Company, Inc.Brownsville, TX · 504 CDC | 12 | $8.9M | 0.7% | $440K | — |
Fiscal-year ledger
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 3,371 | $2.49bn | $304K | 202 | $314M | 3,573 | 44,173 |
| FY2025 | 6,295 | $4.07bn | $250K | 342 | $560M | 6,637 | 77,199 |
| FY2024 | 5,234 | $3.20bn | $250K | 298 | $491M | 5,532 | 66,005 |
| FY2023 | 4,097 | $2.82bn | $320K | 271 | $426M | 4,368 | 61,746 |
| FY2022 | 3,502 | $2.80bn | $350K | 405 | $490M | 3,907 | 52,350 |
| FY2021 | 4,115 | $3.94bn | $500K | 376 | $407M | 4,491 | 56,752 |
| FY2020 | 3,027 | $2.38bn | $350K | 309 | $345M | 3,336 | 40,197 |
| FY2019 | 3,733 | $2.52bn | $291K | 242 | $253M | 3,975 | 46,522 |
| FY2018 | 4,452 | $2.70bn | $249K | 236 | $260M | 4,688 | 49,969 |
| FY2017 | 5,034 | $2.55bn | $150K | 253 | $278M | 5,287 | 56,955 |
| FY2016 | 5,271 | $2.47bn | $150K | 281 | $371M | 5,552 | 61,551 |
7(a) approvals504 approvals
Counties
Approvals in FY2021–FY2025 set against the Census Bureau's count of business establishments. Counties with at least 30 approvals have their own page.
| # | County | Approvals | Dollars | Establishments | Per 1,000 establishments | By fiscal year |
|---|---|---|---|---|---|---|
| 1 | Harris County | 4,402 | $3.56bn | 111,215 | 39.6 | |
| 2 | Dallas County | 2,638 | $2.15bn | 71,182 | 37.1 | |
| 3 | Tarrant County | 2,053 | $1.59bn | 47,656 | 43.1 | |
| 4 | Collin County | 1,634 | $1.21bn | 31,012 | 52.7 | |
| 5 | Travis County | 1,578 | $1.13bn | 42,837 | 36.8 | |
| 6 | Bexar County | 1,381 | $945M | 39,726 | 34.8 | |
| 7 | Denton County | 1,204 | $803M | 20,025 | 60.1 | |
| 8 | Williamson County | 908 | $647M | 15,041 | 60.4 | |
| 9 | Fort Bend County | 892 | $651M | 18,519 | 48.2 | |
| 10 | Montgomery County | 752 | $544M | 15,014 | 50.1 | |
| 11 | El Paso County | 482 | $255M | 16,280 | 29.6 | |
| 12 | Hidalgo County | 379 | $150M | 13,393 | 28.3 | |
| 13 | Brazoria County | 316 | $206M | 6,650 | 47.5 | |
| 14 | Hays County | 292 | $217M | 5,891 | 49.6 | |
| 15 | Bell County | 245 | $141M | 5,923 | 41.4 | |
| 16 | Lubbock County | 243 | $164M | 8,019 | 30.3 | |
| 17 | Galveston County | 239 | $190M | 6,597 | 36.2 | |
| 18 | Comal County | 233 | $141M | 4,951 | 47.1 | |
| 19 | McLennan County | 191 | $139M | 5,928 | 32.2 | |
| 20 | Rockwall County | 172 | $118M | 2,986 | 57.6 | |
| 21 | Ellis County | 171 | $128M | 3,808 | 44.9 | |
| 22 | Nueces County | 157 | $122M | 8,111 | 19.4 | |
| 23 | Parker County | 153 | $122M | 3,647 | 42.0 | |
| 24 | Smith County | 147 | $120M | 6,356 | 23.1 | |
| 25 | Guadalupe County | 146 | $111M | 2,768 | 52.7 | |
| 26 | Cameron County | 138 | $63.4M | 6,732 | 20.5 | |
| 27 | Johnson County | 138 | $107M | 3,465 | 39.8 | |
| 28 | Brazos County | 136 | $121M | 4,972 | 27.4 | |
| 29 | Webb County | 130 | $99.6M | 5,840 | 22.3 | |
| 30 | Kaufman County | 128 | $116M | 2,500 | 51.2 | |
| 31 | Midland County | 125 | $101M | 6,096 | 20.5 | |
| 32 | Jefferson County | 125 | $146M | 5,710 | 21.9 | |
| 33 | Grayson County | 125 | $136M | 2,899 | 43.1 | |
| 34 | Ector County | 119 | $114M | 3,994 | 29.8 | |
| 35 | Taylor County | 107 | $98.9M | 3,658 | 29.3 | |
| 36 | Gregg County | 90 | $97.3M | 4,040 | 22.3 | |
| 37 | Randall County | 80 | $48.1M | 2,917 | 27.4 | |
| 38 | Hunt County | 75 | $95.8M | 1,854 | 40.5 | |
| 39 | Hood County | 73 | $52.9M | 1,552 | 47.0 | |
| 40 | Bastrop County | 66 | $32.2M | 1,778 | 37.1 | |
| 41 | Kendall County | 64 | $56.2M | 1,651 | 38.8 | |
| 42 | Wise County | 61 | $44.8M | 1,604 | 38.0 | |
| 43 | Potter County | 59 | $62.2M | 3,489 | 16.9 | |
| 44 | Wichita County | 59 | $43.7M | 3,043 | 19.4 | |
| 45 | Waller County | 55 | $65.2M | 1,082 | 50.8 | |
| 46 | Victoria County | 54 | $60.2M | 2,255 | 23.9 | |
| 47 | Tom Green County | 54 | $47.8M | 2,963 | 18.2 | |
| 48 | Burnet County | 52 | $37.5M | 1,600 | 32.5 | |
| 49 | Chambers County | 52 | $40.1M | 809 | 64.3 | |
| 50 | Nacogdoches County | 50 | $35.9M | 1,319 | 37.9 | |
| 51 | Liberty County | 45 | $42.0M | 1,206 | 37.3 | |
| 52 | Henderson County | 39 | $55.5M | 1,521 | 25.6 | |
| 53 | Orange County | 38 | $34.4M | 1,333 | 28.5 | |
| 54 | Bowie County | 36 | $41.4M | 2,273 | 15.8 | |
| 55 | Kerr County | 36 | $16.4M | 1,581 | 22.8 | |
| 56 | Gillespie County | 35 | $23.2M | 1,202 | 29.1 | |
| 57 | Angelina County | 34 | $25.9M | 1,920 | 17.7 | |
| 58 | Erath County | 32 | $26.5M | 1,116 | 28.7 | |
| 59 | Cooke County | 29 | $62.0M | 1,040 | 27.9 | |
| 60 | Hardin County | 29 | $27.2M | 872 | 33.3 | |
| 61 | Shelby County | 29 | $46.5M | 531 | 54.6 | |
| 62 | Fannin County | 27 | $25.8M | 530 | 50.9 | |
| 63 | Walker County | 25 | $26.9M | 1,113 | 22.5 | |
| 64 | Hill County | 25 | $36.7M | 649 | 38.5 | |
| 65 | Harrison County | 23 | $24.0M | 1,402 | 16.4 | |
| 66 | Cherokee County | 23 | $28.4M | 840 | 27.4 | |
| 67 | Blanco County | 23 | $24.6M | 417 | 55.2 | |
| 68 | Polk County | 23 | $40.9M | 859 | 26.8 | |
| 69 | Hopkins County | 23 | $27.8M | 844 | 27.3 | |
| 70 | San Patricio County | 22 | $24.7M | 1,131 | 19.5 | |
| 71 | Caldwell County | 21 | $13.8M | 733 | 28.6 | |
| 72 | Wood County | 21 | $16.8M | 904 | 23.2 | |
| 73 | Wilson County | 21 | $10.7M | 870 | 24.1 | |
| 74 | Austin County | 20 | $29.4M | 705 | 28.4 | |
| 75 | Wharton County | 20 | $14.9M | 997 | 20.1 | |
| 76 | Van Zandt County | 20 | $25.3M | 1,007 | 19.9 | |
| 77 | Grimes County | 20 | $17.5M | 530 | 37.7 | |
| 78 | Upshur County | 20 | $18.3M | 577 | 34.7 | |
| 79 | Eastland County | 19 | $28.4M | 489 | 38.9 | |
| 80 | Atascosa County | 19 | $13.2M | 838 | 22.7 | |
| 81 | Anderson County | 18 | $21.1M | 891 | 20.2 | |
| 82 | Lampasas County | 18 | $10.9M | 469 | 38.4 | |
| 83 | Brown County | 16 | $7.3M | 885 | 18.1 | |
| 84 | Navarro County | 16 | $20.6M | 966 | 16.6 | |
| 85 | Aransas County | 16 | $15.0M | 610 | 26.2 | |
| 86 | Medina County | 16 | $6.6M | 856 | 18.7 | |
| 87 | Coryell County | 16 | $9.7M | 808 | 19.8 | |
| 88 | Lamar County | 16 | $26.7M | 1,278 | 12.5 | |
| 89 | Cass County | 15 | $10.7M | 519 | 28.9 | |
| 90 | Maverick County | 15 | $11.0M | 883 | 17.0 | |
| 91 | Fayette County | 15 | $22.8M | 771 | 19.5 | |
| 92 | Llano County | 15 | $14.9M | 561 | 26.7 | |
| 93 | Limestone County | 14 | $16.1M | 401 | 34.9 | |
| 94 | Pecos County | 14 | $15.0M | 354 | 39.5 | |
| 95 | Palo Pinto County | 14 | $17.5M | 644 | 21.7 | |
| 96 | Matagorda County | 13 | $15.5M | 707 | 18.4 | |
| 97 | Jim Wells County | 13 | $11.0M | 783 | 16.6 | |
| 98 | Rusk County | 13 | $15.7M | 833 | 15.6 | |
| 99 | Gonzales County | 13 | $17.6M | 405 | 32.1 | |
| 100 | Leon County | 12 | $21.0M | 365 | 32.9 | |
| 101 | Panola County | 12 | $15.9M | 479 | 25.1 | |
| 102 | Somervell County | 12 | $14.5M | 252 | 47.6 | |
| 103 | Young County | 12 | $13.9M | 571 | 21.0 | |
| 104 | Rains County | 11 | $7.6M | 219 | 50.2 | |
| 105 | Val Verde County | 11 | $4.8M | 786 | 14.0 | |
| 106 | Scurry County | 11 | $11.8M | 409 | 26.9 | |
| 107 | Gaines County | 11 | $9.8M | 532 | 20.7 | |
| 108 | Andrews County | 11 | $7.2M | 445 | 24.7 | |
| 109 | Freestone County | 11 | $9.4M | 362 | 30.4 | |
| 110 | Dawson County | 11 | $14.4M | 271 | 40.6 | |
| 111 | Bosque County | 10 | $6.7M | 315 | 31.7 | |
| 112 | Washington County | 10 | $14.8M | 996 | 10.0 | |
| 113 | Lavaca County | 10 | $3.9M | 489 | 20.4 | |
| 114 | Brewster County | 10 | $5.5M | 285 | 35.1 | |
| 115 | Callahan County | 10 | $6.6M | 252 | 39.7 | |
| 116 | Milam County | 10 | $11.0M | 452 | 22.1 | |
| 117 | Titus County | 9 | $8.1M | 687 | 13.1 | |
| 118 | Jasper County | 9 | $3.3M | 641 | 14.0 | |
| 119 | Camp County | 9 | $7.8M | 212 | 42.5 | |
| 120 | Uvalde County | 9 | $11.4M | 609 | 14.8 | |
| 121 | Frio County | 9 | $14.8M | 295 | 30.5 | |
| 122 | Moore County | 8 | $4.3M | 456 | 17.5 | |
| 123 | Colorado County | 8 | $11.1M | 563 | 14.2 | |
| 124 | Robertson County | 8 | $14.9M | 297 | 26.9 | |
| 125 | Howard County | 8 | $9.2M | 737 | 10.9 | |
| 126 | Archer County | 8 | $8.3M | 235 | 34.0 | |
| 127 | Lee County | 8 | $3.9M | 430 | 18.6 | |
| 128 | Karnes County | 8 | $12.9M | 328 | 24.4 | |
| 129 | Houston County | 8 | $8.0M | 360 | 22.2 | |
| 130 | Morris County | 8 | $7.0M | 196 | 40.8 | |
| 131 | Lamb County | 8 | $7.0M | 230 | 34.8 | |
| 132 | Clay County | 8 | $7.3M | 162 | 49.4 | |
| 133 | Hale County | 7 | $6.4M | 645 | 10.9 | |
| 134 | Dallam County | 7 | $5.1M | 221 | 31.7 | |
| 135 | Montague County | 7 | $4.1M | 448 | 15.6 | |
| 136 | Jackson County | 7 | $6.6M | 337 | 20.8 | |
| 137 | Runnels County | 7 | $1.6M | 218 | 32.1 | |
| 138 | Starr County | 7 | $1.8M | 594 | 11.8 | |
| 139 | Burleson County | 7 | $6.3M | 362 | 19.3 | |
| 140 | Bee County | 7 | $12.0M | 447 | 15.7 | |
| 141 | DeWitt County | 7 | $6.1M | 446 | 15.7 | |
| 142 | Kleberg County | 7 | $6.2M | 545 | 12.8 | |
| 143 | Reeves County | 7 | $12.1M | 383 | 18.3 | |
| 144 | Hockley County | 6 | $1.5M | 477 | 12.6 | |
| 145 | Wilbarger County | 6 | $5.9M | 283 | 21.2 | |
| 146 | Yoakum County | 6 | $2.9M | 192 | 31.3 | |
| 147 | Bandera County | 6 | $4.8M | 428 | 14.0 | |
| 148 | Calhoun County | 6 | $7.4M | 451 | 13.3 | |
| 149 | Jones County | 5 | $2.6M | 263 | 19.0 | |
| 150 | Comanche County | 5 | $2.4M | 290 | 17.2 | |
| 151 | Stephens County | 5 | $1.9M | 243 | 20.6 | |
| 152 | Nolan County | 5 | $11.9M | 342 | 14.6 | |
| 153 | San Augustine County | 5 | $11.0M | 137 | 36.5 | |
| 154 | Lynn County | 5 | $1.5M | 94 | 53.2 | |
| 155 | Jack County | 5 | $4.3M | 220 | 22.7 | |
| 156 | Trinity County | 5 | $4.7M | 194 | 25.8 | |
| 157 | Hemphill County | 5 | $2.4M | 126 | 39.7 | |
| 158 | Donley County | 5 | $4.7M | 70 | 71.4 | |
| 159 | Gray County | 4 | $6.7M | 509 | 7.9 | |
| 160 | Terry County | 4 | $4.3M | 207 | 19.3 | |
| 161 | Falls County | 4 | $2.7M | 238 | 16.8 | |
| 162 | Marion County | 4 | $3.7M | 174 | 23.0 | |
| 163 | Deaf Smith County | 4 | $10.1M | 351 | 11.4 | |
| 164 | Swisher County | 4 | $1.1M | 125 | 32.0 | |
| 165 | Childress County | 4 | $695K | 179 | 22.3 | |
| 166 | Zavala County | 4 | $3.2M | 96 | 41.7 | |
| 167 | Hamilton County | 4 | $2.9M | 238 | 16.8 | |
| 168 | San Jacinto County | 4 | $5.3M | 258 | 15.5 | |
| 169 | McCulloch County | 3 | $2.4M | 219 | 13.7 | |
| 170 | Garza County | 3 | $533K | 129 | 23.3 | |
| 171 | Jeff Davis County | 3 | $5.7M | 65 | 46.2 | |
| 172 | Willacy County | 3 | $3.8M | 189 | 15.9 | |
| 173 | Tyler County | 3 | $978K | 246 | 12.2 | |
| 174 | Knox County | 3 | $4.4M | 79 | 38.0 | |
| 175 | Refugio County | 3 | $3.5M | 136 | 22.1 | |
| 176 | Hardeman County | 3 | $2.3M | 87 | 34.5 | |
| 177 | Red River County | 3 | $1.8M | 192 | 15.6 | |
| 178 | Sabine County | 3 | $9.2M | 196 | 15.3 | |
| 179 | Madison County | 3 | $4.9M | 283 | 10.6 | |
| 180 | Kimble County | 3 | $2.5M | 136 | 22.1 | |
| 181 | Wheeler County | 3 | $6.9M | 173 | 17.3 | |
| 182 | Upton County | 3 | $1.2M | 107 | 28.0 | |
| 183 | Mills County | 3 | $4.9M | 129 | 23.3 | |
| 184 | Ochiltree County | 3 | $735K | 367 | 8.2 | |
| 185 | Concho County | 3 | $1.2M | 43 | 69.8 | |
| 186 | Crane County | 2 | — | 88 | 22.7 | |
| 187 | Duval County | 2 | — | 144 | 13.9 | |
| 188 | Franklin County | 2 | — | 189 | 10.6 | |
| 189 | Live Oak County | 2 | — | 259 | 7.7 | |
| 190 | Winkler County | 2 | — | 204 | 9.8 | |
| 191 | Ward County | 2 | — | 339 | 5.9 | |
| 192 | Bailey County | 2 | — | 140 | 14.3 | |
| 193 | Crosby County | 2 | — | 85 | 23.5 | |
| 194 | La Salle County | 2 | — | 149 | 13.4 | |
| 195 | Shackelford County | 2 | — | 116 | 17.2 | |
| 196 | Sterling County | 2 | — | 39 | 51.3 | |
| 197 | Zapata County | 2 | — | 143 | 14.0 | |
| 198 | Dimmit County | 2 | — | 218 | 9.2 | |
| 199 | Coleman County | 2 | — | 205 | 9.8 | |
| 200 | Sherman County | 2 | — | 60 | 33.3 | |
| 201 | Carson County | 2 | — | 131 | 15.3 | |
| 202 | Real County | 2 | — | 89 | 22.5 | |
| 203 | Delta County | 2 | — | 52 | 38.5 | |
| 204 | Brooks County | 2 | — | 108 | 18.5 | |
| 205 | Menard County | 2 | — | 44 | 45.5 | |
| 206 | Glasscock County | 2 | — | 34 | 58.8 | |
| 207 | Hutchinson County | 1 | — | 394 | 2.5 | |
| 208 | Castro County | 1 | — | 163 | 6.1 | |
| 209 | Presidio County | 1 | — | 151 | 6.6 | |
| 210 | Mitchell County | 1 | — | 128 | 7.8 | |
| 211 | Parmer County | 1 | — | 213 | 4.7 | |
| 212 | Haskell County | 1 | — | 126 | 7.9 | |
| 213 | Floyd County | 1 | — | 140 | 7.1 | |
| 214 | Sutton County | 1 | — | 108 | 9.3 | |
| 215 | Mason County | 1 | — | 155 | 6.5 | |
| 216 | Hall County | 1 | — | 62 | 16.1 | |
| 217 | Cochran County | 1 | — | 40 | 25.0 | |
| 218 | Lipscomb County | 1 | — | 77 | 13.0 | |
| 219 | Irion County | 1 | — | 64 | 15.6 | |
| 220 | Edwards County | 1 | — | 39 | 25.6 | |
| 221 | Oldham County | 1 | — | 44 | 22.7 | |
| 222 | San Saba County | 1 | — | 162 | 6.2 | |
| 223 | Hansford County | 1 | — | 148 | 6.8 | |
| 224 | Foard County | 1 | — | 23 | 43.5 | |
| 225 | Coke County | 1 | — | 63 | 15.9 | |
| 226 | Dickens County | 1 | — | 37 | 27.0 | |
| 227 | Loving County | 1 | — | 17 | 58.8 |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 2,565 | $1.76bn | 10.3% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 916 | $910M | 3.7% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 868 | $564M | 3.5% | |
| 4 | Personal Care ServicesNAICS 8121 | 850 | $326M | 3.4% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 834 | $359M | 3.3% | |
| 6 | Traveler AccommodationNAICS 7211 | 692 | $1.95bn | 2.8% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 639 | $268M | 2.6% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 627 | $339M | 2.5% | |
| 9 | Child Day Care ServicesNAICS 6244 | 588 | $717M | 2.4% | |
| 10 | General Freight TruckingNAICS 4841 | 562 | $208M | 2.3% | |
| 11 | Offices of PhysiciansNAICS 6211 | 487 | $399M | 2.0% | |
| 12 | Other Personal ServicesNAICS 8129 | 441 | $304M | 1.8% | |
| 13 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 426 | $236M | 1.7% | |
| 14 | Residential Building ConstructionNAICS 2361 | 418 | $133M | 1.7% | |
| 15 | Gasoline StationsNAICS 4571 | 412 | $751M | 1.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 3,591 | 14.4% | |
| 2 | Retail Trade | 2,985 | 12.0% | |
| 3 | Health Care and Social Assistance | 2,981 | 12.0% | |
| 4 | Other Services (except Public Administration) | 2,704 | 10.8% | |
| 5 | Construction | 2,501 | 10.0% | |
| 6 | Professional, Scientific, and Technical Services | 2,210 | 8.9% | |
| 7 | Manufacturing | 1,369 | 5.5% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 1,251 | 5.0% | |
| 9 | Arts, Entertainment, and Recreation | 1,055 | 4.2% | |
| 10 | Transportation and Warehousing | 1,053 | 4.2% |
Franchise brands
| # | Brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Hotworx | 86 | 0.3% | |
| 2 | La Quinta by Wyndham | 49 | 0.2% | |
| 3 | The UPS Store | 46 | 0.2% | |
| 4 | Marco's Pizza | 46 | 0.2% | |
| 5 | Best Western | 42 | 0.2% | |
| 6 | Holiday Inn Express | 40 | 0.2% | |
| 7 | HTeaO | 40 | 0.2% | |
| 8 | Kiddie Academy | 39 | 0.2% | |
| 9 | Naturals2Go | 39 | 0.2% | |
| 10 | Scooter's Coffee | 38 | 0.2% |
How earlier loans turned out
| Loans approved FY2010–FY2021 | TX 7(a) | US 7(a) | TX 504 | US 504 |
|---|---|---|---|---|
| Approvals in these years | 48,931 | 639,905 | 4,161 | 85,591 |
| Cancelled or never disbursed | 5,758 | 79,313 | 663 | 12,514 |
| Disbursed loans | 43,173 | 560,592 | 3,498 | 73,077 |
| Paid in full | 31,848 | 435,813 | 1,831 | 35,491 |
| Charged off | 3,650 | 36,891 | 72 | 905 |
| Still outstanding (status exempt from disclosure) | 7,675 | 87,888 | 1,595 | 36,681 |
| Charged off, share of disbursed loans | 8.5% | 6.6% | 2.1% | 1.2% |
| Dollars charged off, share of disbursed dollars | 2.9% | 2.5% | 1.8% | 0.9% |
| Dollars charged off | $682M | $5.70bn | $57.3M | $499M |
Approval sizes
- $50,000 or less13.3%3,326
- $50,001 to $150,00019.3%4,815
- $150,001 to $350,00019.3%4,802
- $350,001 to $1 million25.7%6,408
- $1 million to $2 million11.4%2,843
- Over $2 million11.0%2,741
Age of the businesses
- Existing, more than 2 years old48.7%12,138
- New business, 2 years or less16.3%4,071
- Startup, loan funds will open the business25.2%6,291
- Change of ownership9.7%2,414
- Not answered0.1%21
Against the country
| FY2021–FY2025 | Texas | United States |
|---|---|---|
| Approvals per 1,000 establishments | 37.2 | 41.0 |
| Median 7(a) approval | $320K | $190K |
| Median 504 approval | $974K | $657K |
| 504 share of approvals | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 12.6 | 10.5 |
| Approvals, change on FY2016–FY2020 | 9% | 10% |
Questions and answers
Which lenders make the most SBA loans in Texas?
By 7(a) approvals in FY2021 to FY2025: The Huntington National Bank (2,161), Wells Fargo Bank National Association (1,255), Newtek Bank, National Association (954), Northeast Bank (943), BayFirst National Bank (850). For 504 loans: Capital Certified Development Corporation (641), LiftFund, Inc. (255), North Texas Certified Development Corporation (207). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Texas?
The median 7(a) approval was $320K and the median 504 approval $974K; the average across both programs was $770K.
Which industries get the most SBA loans in Texas?
Restaurants and Other Eating Places (2,565); Automotive Repair and Maintenance (916); Other Amusement and Recreation Industries (868); Personal Care Services (850); Offices of Other Health Practitioners (834).
Which Texas counties receive the most SBA loans?
Harris County (4,402), Dallas County (2,638), Tarrant County (2,053), Collin County (1,634), Travis County (1,578), by approvals in FY2021 to FY2025.
Is SBA lending in Texas rising?
Approvals in the three latest complete fiscal years total 16,537, against 11,734 in the three before: rising (+41%).
What share of SBA loans in Texas are charged off?
Of 7(a) loans approved in FY2010 to FY2021 and disbursed, 8.5% are recorded as charged off (national: 6.6%); for 504 loans the figure is 2.1% (national: 1.2%). Newer loans are left out because most have not had time to reach either outcome.
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