HB
SBA 7(a) franchise lending portfolio
Home Bank, National Association
EXCELLENT risk
- Total loans
- 75
- Loan volume
- $120.3M
- Avg loan size
- $1.6M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.87%
Franchises funded
53
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Shell Service Station | 6 | $9.7M | 0.0% (low risk) |
| Chevron (gas Station) | 5 | $6.7M | 0.0% (low risk) |
| Exxon | 5 | $8.0M | 0.0% (low risk) |
| Americas Best Value Inn (f/K/A | 2 | $4.0M | N/A |
| Conoco Service Station | 2 | $3.3M | 0.0% (low risk) |
| Super 8 | 2 | $3.7M | 0.0% (low risk) |
| Red Roof Inn | 2 | $4.7M | 0.0% (low risk) |
| Valero | 2 | $2.4M | 0.0% (low risk) |
| Anytime Fitness | 2 | $260K | 0.0% (low risk) |
| Texaco Service Station | 2 | $2.4M | 0.0% (low risk) |
| Massage Heights | 2 | $1.4M | 0.0% (low risk) |
| Classic Star Group (Distributo | 2 | $5.6M | 0.0% (low risk) |
| Budget Blinds | 1 | $120K | 0.0% (low risk) |
| Gymboree | 1 | $92K | 0.0% (low risk) |
| Time + Plus Payroll Services | 1 | $150K | 0.0% (low risk) |
| Quality Inn/Quality Suites, Ho | 1 | $1.9M | 0.0% (low risk) |
| Huddle House | 1 | $250K | 0.0% (low risk) |
| ExtraMile Convenience Stores, | 1 | $3.1M | 0.0% (low risk) |
| Knights Inn | 1 | $1.1M | 0.0% (low risk) |
| Suburban Extended Stay Hotel | 1 | $1.9M | 0.0% (low risk) |
Lending volume by year
2'07
1'08
1'10
1'11
4'13
10'14
8'15
12'16
11'17
7'18
5'19
3'20
6'21
1'22
2'23
1'24
Home Bank, National Association charge-off rate by loan vintage
BrandNational avg
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). 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 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.