BO
SBA 7(a) franchise lending portfolio
Bank of Homewood, National Association
GOOD risk
- Total loans
- 12
- Loan volume
- $1.8M
- Avg loan size
- $149K
- Charge-off rate
- 8.3%
- vs 15.4% national avg
Defaults
1
Avg interest
N/A
Franchises funded
11
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Domino's Pizza | 2 | $116K | 0.0% (low risk) |
| Petland | 1 | $191K | 100.0% (very high risk) |
| Dairy Queen | 1 | $140K | 0.0% (low risk) |
| Furniture Medic | 1 | $50K | 0.0% (low risk) |
| General Nutrition Center | 1 | $74K | 0.0% (low risk) |
| Auntie Ann's (soft Pretzels) | 1 | $90K | 0.0% (low risk) |
| Dunkin Donuts | 1 | $100K | 0.0% (low risk) |
| Kentucky Fried Chicken | 1 | $190K | 0.0% (low risk) |
| Shell Service Station | 1 | $230K | 0.0% (low risk) |
| Gold's Gym | 1 | $510K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $95K | 0.0% (low risk) |
Lending volume by year
3'93
2'94
3'95
1'97
1'98
2'99
Geographic exposure
128.3% (moderate risk)
Portfolio summary
Total funded$1.8M
Defaults1 of 12
Risk tierGOOD
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has Bank of Homewood, National Association originated?
- 12 loans totaling $1.8M. The portfolio carries a 8.3% charge-off rate, earning a “GOOD” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does Bank of Homewood, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Bank of Homewood, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.