SBA 7(a) franchise lending portfolio
HomeTrust Bank
- Total loans
- 313
- Loan volume
- $449.0M
- Avg loan size
- $1.4M
- Charge-off rate
- 2.0%
- vs 16.0% national
Charged off
3
Avg interest
6.69%
Franchises funded
177
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Days Inn | 14 | $28.6M | N/A |
| Super 8 by Wyndhan | 10 | $19.2M | N/A |
| Jackson Hewitt Tax Service | 9 | $13.1M | N/A |
| Quality Inn by Choice Hotels / | 8 | $21.2M | N/A |
| The Learning Experience | 7 | $2.6M | N/A |
| Quality Inn/Quality Suites, Ho | 6 | $9.3M | N/A |
| Texaco Service Station | 5 | $4.6M | N/A |
| Red Roof Inn | 5 | $11.1M | N/A |
| Premier Petroleum, Inc - Petro | 5 | $7.1M | N/A |
| Chevron (gas Station) | 4 | $2.0M | N/A |
| Americas Best Value Inn | 4 | $5.1M | N/A |
| Best Western - Membership Agre | 4 | $13.4M | N/A |
| Enviro-Master Services | 4 | $1.1M | N/A |
| Citgo Service Station | 3 | $2.2M | N/A |
| Shell Service Station | 3 | $2.8M | N/A |
| Blimpie | 3 | $495K | N/A |
| Motel 6 | 3 | $3.2M | N/A |
| Country Inn & Suites by Radiss | 3 | $7.5M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1997 | 1 |
| FY1998 | 1 |
| FY1999 | 5 |
| FY2000 | 3 |
| FY2001 | 6 |
| FY2002 | 2 |
| FY2007 | 1 |
| FY2008 | 1 |
| FY2009 | 4 |
| FY2010 | 2 |
| FY2011 | 4 |
| FY2012 | 4 |
| FY2013 | 4 |
| FY2014 | 6 |
| FY2015 | 14 |
| FY2016 | 21 |
| FY2017 | 13 |
| FY2018 | 21 |
| FY2019 | 32 |
| FY2020 | 27 |
| FY2021 | 46 |
| FY2022 | 24 |
| FY2023 | 20 |
| FY2024 | 14 |
| FY2025 | 27 |
| FY2026 | 10 |
SBA 7(a) · charge-off rate by approval year
HomeTrust Bank: below all franchise loans in each of the 6 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1999 | 5 | 0 | Too few |
| 2000 | 3 | 0 | Too few |
| 2001 | 6 | 0 | Too few |
| 2009 | 4 | 1 | Too few |
| 2011 | 4 | 0 | Too few |
| 2012 | 4 | 0 | Too few |
| 2013 | 4 | 0 | Too few |
| 2014 | 6 | 0 | Too few |
| 2015 | 12 | 0 | 0.0% |
| 2016 | 18 | 0 | 0.0% |
| 2017 | 7 | 0 | Too few |
| 2018 | 12 | 1 | 8.3% |
| 2019 | 12 | 0 | 0.0% |
| 2020 | 13 | 0 | 0.0% |
| 2021 | 24 | 0 | 0.0% |
| 2022 | 6 | 0 | Too early |
| 2023 | 4 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 HomeTrust Bank originated?
- 313 loans totaling $449.0M. The portfolio carries a 2.0% 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. HomeTrust Bank's rate of 2.0% 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 HomeTrust Bank fund the most?
- The “Top franchise exposures” table above lists the brands HomeTrust Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.