HB
SBA 7(a) franchise lending portfolio
Home Bank, National Association
Risk rating: Excellent
- Total loans
- 75
- Loan volume
- $120.3M
- Avg loan size
- $1.6M
- Charge-off rate
- 0.0%
- vs 16.0% national
Charged off
0
Avg interest
5.87%
Franchises funded
53
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Shell Service Station | 6 | $9.7M | N/A |
| Chevron (gas Station) | 5 | $6.7M | N/A |
| Exxon | 5 | $8.0M | N/A |
| Americas Best Value Inn (f/K/A | 2 | $4.0M | N/A |
| Conoco Service Station | 2 | $3.3M | N/A |
| Super 8 | 2 | $3.7M | N/A |
| Red Roof Inn | 2 | $4.7M | N/A |
| Valero | 2 | $2.4M | N/A |
| Anytime Fitness | 2 | $260K | N/A |
| Texaco Service Station | 2 | $2.4M | N/A |
| Massage Heights | 2 | $1.4M | N/A |
| Classic Star Group (Distributo | 2 | $5.6M | N/A |
| Budget Blinds | 1 | $120K | N/A |
| Gymboree | 1 | $92K | N/A |
| Time + Plus Payroll Services | 1 | $150K | N/A |
| Quality Inn/Quality Suites, Ho | 1 | $1.9M | N/A |
| Huddle House | 1 | $250K | N/A |
| ExtraMile Convenience Stores, | 1 | $3.1M | N/A |
| Knights Inn | 1 | $1.1M | N/A |
| Suburban Extended Stay Hotel | 1 | $1.9M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2007 | 2 |
| FY2008 | 1 |
| FY2010 | 1 |
| FY2011 | 1 |
| FY2013 | 4 |
| FY2014 | 10 |
| FY2015 | 8 |
| FY2016 | 12 |
| FY2017 | 11 |
| FY2018 | 7 |
| FY2019 | 5 |
| FY2020 | 3 |
| FY2021 | 6 |
| FY2022 | 1 |
| FY2023 | 2 |
| FY2024 | 1 |
SBA 7(a) · charge-off rate by approval year
Home Bank, National Association charge-off rate by loan vintage
None of these 7 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2014 | 8 | 0 | Too few |
| 2015 | 7 | 0 | Too few |
| 2016 | 8 | 0 | Too few |
| 2017 | 7 | 0 | Too few |
| 2018 | 5 | 0 | Too few |
| 2020 | 3 | 0 | Too early |
| 2021 | 3 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
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 Home Bank, National Association originated?
- 75 loans totaling $120.3M. The portfolio carries a 0.0% charge-off rate, earning a “Excellent” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Home Bank, National Association's rate of 0.0% is below the national rate.
- 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 Home Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Home Bank, 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.