FY20201 Oct 2019 – 30 Sep 2020
SBA loans in Texas, FY2020
That fiscal year's approvals by lender and by county.
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.
In FY2020 (1 October 2019 to 30 September 2020) SBA approved 3,336 loans in Texas: 3,027 under 7(a) and 309 under 504, worth $2.72bn.
That is down 16% on FY2019, when there were 3,975 approvals worth $2.77bn.
Texas accounted for 6.8% of the 49,417 approvals nationwide that year. 271 lenders had at least one approval in the state; Wells Fargo Bank National Association had the most, 254.
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.
Approvals by lender
The 40 lenders with the most approvals to Texas businesses in FY2020, of 271 active.
| # | Lender | Program | Approvals | Dollars | Share of state | FY2019 | Change |
|---|---|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | 7(a) | 254 | $71.4M | 7.6% | 415 | -161 |
| 2 | JPMorgan Chase Bank, National Association | 7(a) | 129 | $51.4M | 3.9% | 244 | -115 |
| 3 | PNC Bank, National Association | 7(a) | 120 | $56.0M | 3.6% | 129 | -9 |
| 4 | Live Oak Banking Company | 7(a) | 119 | $161M | 3.6% | 105 | +14 |
| 5 | United Midwest Savings Bank National Association | 7(a) | 114 | $25.3M | 3.4% | 79 | +35 |
| 6 | The Huntington National Bank | 7(a) | 95 | $74.2M | 2.8% | 88 | +7 |
| 7 | Capital Certified Development Corporation | 504 | 93 | $109M | 2.8% | 70 | +23 |
| 8 | Frost Bank | 7(a) | 91 | $46.0M | 2.7% | 98 | -7 |
| 9 | Wallis Bank | 7(a) | 79 | $138M | 2.4% | 57 | +22 |
| 10 | LiftFund, Inc. | 504 | 75 | $84.0M | 2.2% | 46 | +29 |
| 11 | Midwest Regional Bank | 7(a) | 68 | $49.1M | 2.0% | 96 | -28 |
| 12 | Fifth Third Bank | 7(a) | 68 | $31.8M | 2.0% | 74 | -6 |
| 13 | Celtic Bank Corporation | 7(a) | 60 | $83.4M | 1.8% | 80 | -20 |
| 14 | SouthState Bank, National Association | 7(a) | 52 | $23.8M | 1.6% | 48 | +4 |
| 15 | Newtek Small Business Finance, Inc. | 7(a) | 47 | $39.4M | 1.4% | 64 | -17 |
| 16 | BayFirst National Bank | 7(a) | 47 | $13.9M | 1.4% | 120 | -73 |
| 17 | First National Bank Texas | 7(a) | 43 | $9.4M | 1.3% | 20 | +23 |
| 18 | Byline Bank | 7(a) | 39 | $47.5M | 1.2% | 21 | +18 |
| 19 | Greater East Texas Certified Development Company | 504 | 38 | $49.6M | 1.1% | 46 | -8 |
| 20 | Five Star Bank | 7(a) | 37 | $8.9M | 1.1% | 30 | +7 |
| 21 | Citizens Bank | 7(a) | 34 | $29.8M | 1.0% | 20 | +14 |
| 22 | Enterprise Bank & Trust | 7(a) | 33 | $43.2M | 1.0% | 36 | -3 |
| 23 | Stearns Bank National Association | 7(a) | 33 | $8.1M | 1.0% | 129 | -96 |
| 24 | North Texas Certified Development Corporation | 504 | 32 | $31.8M | 1.0% | 31 | +1 |
| 25 | Zions Bank, A Division of | 7(a) | 32 | $16.7M | 1.0% | 61 | -29 |
| 26 | First National Bank and Trust Company of Weatherford d/b/a First Bank Texas | 7(a) | 31 | $17.2M | 0.9% | 7 | +24 |
| 27 | Simmons Bank | 7(a) | 30 | $13.9M | 0.9% | 78 | -48 |
| 28 | The First National Bank of McGregor d/b/a TFNB Your Bank for Life | 7(a) | 30 | $13.0M | 0.9% | 26 | +4 |
| 29 | Texas Certified Development Company, Inc. | 504 | 29 | $23.1M | 0.9% | 12 | +17 |
| 30 | Metro City Bank | 7(a) | 28 | $43.9M | 0.8% | 29 | -1 |
| 31 | PlainsCapital Bank | 7(a) | 28 | $30.6M | 0.8% | 29 | -1 |
| 32 | Stellar Bank | 7(a) | 27 | $36.3M | 0.8% | 48 | -21 |
| 33 | Regions Bank | 7(a) | 25 | $32.2M | 0.7% | 25 | 0 |
| 34 | Capital One National Association | 7(a) | 25 | $26.3M | 0.7% | 41 | -16 |
| 35 | Bank of Hope | 7(a) | 25 | $10.0M | 0.7% | 51 | -26 |
| 36 | Commonwealth Business Bank | 7(a) | 24 | $36.1M | 0.7% | 28 | -4 |
| 37 | Southwestern National Bank | 7(a) | 24 | $34.4M | 0.7% | 13 | +11 |
| 38 | Readycap Lending, LLC | 7(a) | 24 | $25.7M | 0.7% | 17 | +7 |
| 39 | First United Bank and Trust Company | 7(a) | 24 | $18.3M | 0.7% | 26 | -2 |
| 40 | PeopleFund | 7(a) | 23 | $3.6M | 0.7% | 37 | -14 |
Approvals by county
| # | County | Approvals | Dollars | Share of state | FY2019 | Change |
|---|---|---|---|---|---|---|
| 1 | Harris County | 580 | $519M | 17.4% | 756 | -176 |
| 2 | Dallas County | 362 | $299M | 10.9% | 472 | -110 |
| 3 | Tarrant County | 267 | $235M | 8.0% | 275 | -8 |
| 4 | Travis County | 231 | $179M | 6.9% | 246 | -15 |
| 5 | Collin County | 205 | $171M | 6.1% | 255 | -50 |
| 6 | Bexar County | 188 | $139M | 5.6% | 195 | -7 |
| 7 | Denton County | 148 | $121M | 4.4% | 179 | -31 |
| 8 | Fort Bend County | 139 | $113M | 4.2% | 177 | -38 |
| 9 | Williamson County | 115 | $85.9M | 3.4% | 109 | +6 |
| 10 | Montgomery County | 96 | $68.6M | 2.9% | 116 | -20 |
| 11 | El Paso County | 50 | $29.3M | 1.5% | 65 | -15 |
| 12 | Lubbock County | 46 | $36.9M | 1.4% | 46 | 0 |
| 13 | Brazoria County | 42 | $36.4M | 1.3% | 51 | -9 |
| 14 | Bell County | 40 | $21.8M | 1.2% | 34 | +6 |
| 15 | Taylor County | 36 | $20.1M | 1.1% | 22 | +14 |
| 16 | Hays County | 35 | $43.8M | 1.0% | 34 | +1 |
| 17 | Galveston County | 35 | $37.0M | 1.0% | 45 | -10 |
| 18 | McLennan County | 32 | $27.3M | 1.0% | 39 | -7 |
| 19 | Brazos County | 29 | $14.8M | 0.9% | 18 | +11 |
| 20 | Hidalgo County | 28 | $15.1M | 0.8% | 53 | -25 |
| 21 | Midland County | 27 | $20.8M | 0.8% | 29 | -2 |
| 22 | Parker County | 26 | $18.4M | 0.8% | 18 | +8 |
| 23 | Johnson County | 22 | $9.5M | 0.7% | 32 | -10 |
| 24 | Ellis County | 21 | $11.6M | 0.6% | 23 | -2 |
| 25 | Jefferson County | 21 | $19.2M | 0.6% | 28 | -7 |
| 26 | Nueces County | 21 | $16.3M | 0.6% | 26 | -5 |
| 27 | Comal County | 21 | $11.4M | 0.6% | 27 | -6 |
| 28 | Smith County | 20 | $12.4M | 0.6% | 26 | -6 |
| 29 | Tom Green County | 19 | $15.1M | 0.6% | 13 | +6 |
| 30 | Webb County | 18 | $11.6M | 0.5% | 13 | +5 |
| 31 | Guadalupe County | 17 | $13.8M | 0.5% | 18 | -1 |
| 32 | Rockwall County | 16 | $9.7M | 0.5% | 28 | -12 |
| 33 | Ector County | 15 | $17.5M | 0.4% | 24 | -9 |
| 34 | Kaufman County | 11 | $8.2M | 0.3% | 24 | -13 |
| 35 | Randall County | 10 | $2.6M | 0.3% | 13 | -3 |
| 36 | Erath County | 10 | $6.0M | 0.3% | 5 | +5 |
| 37 | Wise County | 10 | $7.8M | 0.3% | 9 | +1 |
| 38 | Grayson County | 10 | $6.7M | 0.3% | 10 | 0 |
| 39 | Gregg County | 10 | $8.1M | 0.3% | 5 | +5 |
| 40 | Cameron County | 9 | $830K | 0.3% | 33 | -24 |
The 40 counties with the most approvals; every county is on the Texas page.
FY2020 against FY2019
| Texas | FY2020 | FY2019 |
|---|---|---|
| 7(a) approvals | 3,027 | 3,733 |
| 7(a) dollars | $2.38bn | $2.52bn |
| Median 7(a) approval | $350K | $291K |
| 504 approvals | 309 | 242 |
| 504 dollars | $345M | $253M |
| Jobs supported, as reported | 40,197 | 46,522 |
Questions and answers
Which lenders made the most SBA loans in Texas in FY2020?
Wells Fargo Bank National Association (254), JPMorgan Chase Bank, National Association (129), PNC Bank, National Association (120), Live Oak Banking Company (119), United Midwest Savings Bank National Association (114). 271 lenders had at least one approval.
How many SBA loans were approved in Texas in FY2020?
3,336: 3,027 under 7(a) worth $2.38bn and 309 under 504 worth $345M.
Which Texas counties had the most SBA approvals in FY2020?
Harris County (580), Dallas County (362), Tarrant County (267), Travis County (231), Collin County (205).
When does FY2020 start and end?
The federal fiscal year 2020 runs from 1 October 2019 to 30 September 2020.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error