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SBA 7(a) franchise lending portfolio
HomeTrust Bank
EXCELLENT risk
- Total loans
- 313
- Loan volume
- $449.0M
- Avg loan size
- $1.4M
- Default rate
- 2.0%
- vs 15.4% national avg
Defaults
3
Avg interest
6.69%
Franchises funded
177
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Jackson Hewitt Tax Service | 9 | $13.1M | 0.0% |
| Quality Inn by Choice Hotels / | 8 | $21.2M | 0.0% |
| Days Inn | 7 | $12.8M | 0.0% |
| The Learning Experience | 7 | $2.6M | 0.0% |
| Days Inn by Wyndham | 7 | $15.8M | 0.0% |
| Quality Inn/Quality Suites, Ho | 6 | $9.3M | 0.0% |
| Super 8 by Wyndhan | 6 | $11.6M | 0.0% |
| Texaco Service Station | 5 | $4.6M | 0.0% |
| Red Roof Inn | 5 | $11.1M | 0.0% |
| Premier Petroleum, Inc - Petro | 5 | $7.1M | 0.0% |
| Chevron (gas Station) | 4 | $2.0M | 0.0% |
| Super 8 | 4 | $7.6M | 0.0% |
| Americas Best Value Inn | 4 | $5.1M | 0.0% |
| Best Western - Membership Agre | 4 | $13.4M | 0.0% |
| Enviro-Master Services | 4 | $1.1M | 0.0% |
| Citgo Service Station | 3 | $2.2M | 0.0% |
| Shell Service Station | 3 | $2.8M | 0.0% |
| Blimpie | 3 | $495K | 0.0% |
| Motel 6 | 3 | $3.2M | 0.0% |
| Country Inn & Suites by Radiss | 3 | $7.5M | 0.0% |
Lending volume by year
1'97
1
5
3
6
2'02
1
1
4
2
4'11
4
4
6
14
21'16
13
21
32
27
46'21
24
20
14
27
10'26
HomeTrust Bank default rate by loan vintage
BrandNational avg
Geographic exposure
1701.0%
367.1%
160.0%
149.1%
140.0%
120.0%
90.0%
6—
60.0%
Portfolio summary
Total funded$449.0M
Defaults3 of 313
Risk tierEXCELLENT
Avg rate6.69%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).