Home Bank, National Association
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by Home Bank, National Association
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 447110 | Gasoline Stations with Convenience Stores | 104 | $234.1M | $2.3M | 21.0% |
| 812199 | Other Personal Care Services | 24 | $20.1M | $838K | 4.8% |
| 561730 | Landscaping Services | 24 | $29.4M | $1.2M | 4.8% |
| 713950 | Bowling Centers | 16 | $15.2M | $951K | 3.2% |
| 713940 | Fitness and Recreational Sports Centers | 16 | $5.9M | $371K | 3.2% |
| 238990 | All Other Specialty Trade Contractors | 16 | $36.3M | $2.3M | 3.2% |
| 812310 | Coin-Operated Laundries and Drycleaners | 16 | $24.0M | $1.5M | 3.2% |
| 722511 | Full-Service Restaurants | 16 | $27.9M | $1.7M | 3.2% |
| 624410 | Child Day Care Services | 16 | $20.7M | $1.3M | 3.2% |
| 457110 | Other | 16 | $53.0M | $3.3M | 3.2% |
Geographic Distribution
SBA lending activity for Home Bank, National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Texas (TX) | 328 | $489.6M | 66.1% |
| Louisiana (LA) | 168 | $149.9M | 33.9% |
Why Choose Home Bank, National Association?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 496 SBA loans approved, totaling $639.6M in financing
- ✓Industry Expertise: Specialized focus on Gasoline Stations with Convenience Stores, Other Personal Care Services, Landscaping Services
- ✓Competitive Terms: Average interest rate of 7.64% with flexible term lengths averaging 194 months
- ✓Loan Range: Loan sizes from $50K to $4.5M, with an average of $1.3M
- ✓Nationwide Reach: Active lending in 2 states, with strong presence in TX, LA
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Home Bank, National Association SBA lending
What types of businesses does Home Bank, National Association typically finance?
Home Bank, National Association specializes in SBA 7(a) lending to specific industries including gasoline stations with convenience stores, other personal care services, landscaping services, bowling centers. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Home Bank, National Association's typical SBA loan terms?
Home Bank, National Association's SBA 7(a) loans typically feature an average interest rate of 7.64% and average term length of 194 months (approximately 16 years). Loan sizes range from $50K to $4.5M, with an average loan size of $1.3M.
Do I need a business valuation for a Home Bank, National Association SBA loan?
Yes, Home Bank, National Association typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Home Bank, National Association compare to other SBA lenders?
Home Bank, National Association has originated 496 SBA loans totaling $639.6M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Home Bank, National Association lend in?
Home Bank, National Association provides SBA 7(a) financing with particularly strong presence in TX, LA. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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Professional valuations are often required for SBA loans over $250,000.
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