HomeTrust Bank
Headquartered in ASHEVILLE, NC. Analysis based on 587 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $677.0M.
Total 7(a) loans
587
Total approved
$677.0M
Average loan
$1.2M
States funded in
40
Charge-off rate
1.94%
FY2020–FY2023 cohort
Paid-in-full rate
27.12%
Average rate
7.56%
Average term
185 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 59 |
| 447110 | Gasoline Stations with Convenience Stores | 35 |
| 722511 | Full-Service Restaurants | 27 |
| 722513 | Limited-Service Restaurants | 23 |
| 713940 | Fitness and Recreational Sports Centers | 18 |
| 812199 | Other Personal Care Services | 18 |
| 238990 | All Other Specialty Trade Contractors | 13 |
| 624410 | Child Day Care Services | 12 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 11 |
| 713990 | All Other Amusement and Recreation Industries | 11 |
Top 10 states
| State | Loans |
|---|---|
| GA | 157 |
| NC | 124 |
| FL | 50 |
| SC | 35 |
| VA | 27 |
| TX | 22 |
| CA | 20 |
| NY | 16 |
| CO | 14 |
| PA | 12 |
Top franchise brands financed
190 franchise loans across 116 distinct brands.
| Franchise | Loans |
|---|---|
| Jackson Hewitt Tax Service | 9 |
| OYO - Marketing and Operationa | 7 |
| Days Inn by Wyndham | 7 |
| Quality Inn by Choice Hotels / | 6 |
| The UPS Store (f/k/a Mail Box | 5 |
| Super 8 by Wyndhan | 4 |
| Enviro-Master Services | 4 |
| Best Western - Membership Agre | 4 |
| Pirtek | 3 |
| Next Level Petroleum (Mulstipl | 3 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.