HomeTrust Bank
SBA 7(a) Lending Profile · FY 2026 analysis
Industry Focus
Top industries served by HomeTrust Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 472 | $1.15B | $2.4M | 10.1% |
| 447110 | Gasoline Stations with Convenience Stores | 280 | $333.4M | $1.2M | 6.0% |
| 722511 | Full-Service Restaurants | 224 | $300.0M | $1.3M | 4.8% |
| 722513 | Limited-Service Restaurants | 184 | $153.2M | $833K | 3.9% |
| 713940 | Fitness and Recreational Sports Centers | 144 | $141.1M | $980K | 3.1% |
| 812199 | Other Personal Care Services | 144 | $146.9M | $1.0M | 3.1% |
| 457110 | Other | 136 | $180.4M | $1.3M | 2.9% |
| 238990 | All Other Specialty Trade Contractors | 104 | $63.8M | $613K | 2.2% |
| 624410 | Child Day Care Services | 96 | $69.0M | $718K | 2.0% |
| 713990 | All Other Amusement and Recreation Industries | 88 | $96.9M | $1.1M | 1.9% |
Geographic Distribution
SBA lending activity for HomeTrust Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 1,256 | $1.58B | 26.7% |
| North Carolina (NC) | 992 | $1.09B | 21.1% |
| Florida (FL) | 400 | $418.0M | 8.5% |
| South Carolina (SC) | 280 | $320.2M | 6.0% |
| California (CA) | 160 | $222.5M | 3.4% |
| Virginia (VA) | 216 | $206.9M | 4.6% |
| New York (NY) | 128 | $174.5M | 2.7% |
| Texas (TX) | 176 | $173.3M | 3.7% |
| Pennsylvania (PA) | 96 | $146.8M | 2.0% |
| Illinois (IL) | 88 | $113.1M | 1.9% |
| Ohio (OH) | 64 | $103.9M | 1.4% |
| Tennessee (TN) | 88 | $102.4M | 1.9% |
| New Jersey (NJ) | 32 | $99.4M | 0.7% |
| Colorado (CO) | 112 | $97.6M | 2.4% |
| Alabama (AL) | 72 | $83.7M | 1.5% |
| Maryland (MD) | 88 | $58.9M | 1.9% |
| Oklahoma (OK) | 24 | $45.9M | 0.5% |
| Arizona (AZ) | 32 | $44.5M | 0.7% |
| Oregon (OR) | 24 | $37.2M | 0.5% |
| Montana (MT) | 24 | $30.3M | 0.5% |
| Arkansas (AR) | 16 | $29.9M | 0.3% |
| Alaska (AK) | 48 | $29.6M | 1.0% |
| Washington (WA) | 40 | $28.6M | 0.9% |
| Massachusetts (MA) | 40 | $27.6M | 0.9% |
| Indiana (IN) | 16 | $25.3M | 0.3% |
| Delaware (DE) | 24 | $24.8M | 0.5% |
| Missouri (MO) | 16 | $18.2M | 0.3% |
| Iowa (IA) | 16 | $18.2M | 0.3% |
| Connecticut (CT) | 16 | $13.3M | 0.3% |
| Minnesota (MN) | 16 | $10.0M | 0.3% |
| VI (VI) | 8 | $8.0M | 0.2% |
| Utah (UT) | 16 | $6.7M | 0.3% |
| Michigan (MI) | 8 | $6.3M | 0.2% |
| Idaho (ID) | 8 | $5.9M | 0.2% |
| Wisconsin (WI) | 16 | $5.5M | 0.3% |
| Nevada (NV) | 8 | $4.7M | 0.2% |
| Rhode Island (RI) | 8 | $4.5M | 0.2% |
| Louisiana (LA) | 8 | $4.2M | 0.2% |
| New Mexico (NM) | 8 | $4.0M | 0.2% |
| West Virginia (WV) | 8 | $800K | 0.2% |
Why Choose HomeTrust Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 4,696 SBA loans approved, totaling $5.42B in financing
- ✓Industry Expertise: Specialized focus on Hotels (except Casino Hotels) and Motels, Gasoline Stations with Convenience Stores, Full-Service Restaurants
- ✓Competitive Terms: Average interest rate of 7.56% with flexible term lengths averaging 185 months
- ✓Loan Range: Loan sizes from $35K to $5.0M, with an average of $1.2M
- ✓Nationwide Reach: Active lending in 40 states, with strong presence in GA, NC, FL
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 HomeTrust Bank SBA lending
What types of businesses does HomeTrust Bank typically finance?
HomeTrust Bank specializes in SBA 7(a) lending to specific industries including hotels (except casino hotels) and motels, gasoline stations with convenience stores, full-service restaurants, limited-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are HomeTrust Bank's typical SBA loan terms?
HomeTrust Bank's SBA 7(a) loans typically feature an average interest rate of 7.56% and average term length of 185 months (approximately 15 years). Loan sizes range from $35K to $5.0M, with an average loan size of $1.2M.
Do I need a business valuation for a HomeTrust Bank SBA loan?
Yes, HomeTrust Bank 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 HomeTrust Bank compare to other SBA lenders?
HomeTrust Bank has originated 4,696 SBA loans totaling $5.42B 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 HomeTrust Bank lend in?
HomeTrust Bank provides SBA 7(a) financing with particularly strong presence in GA, NC, FL, SC, VA. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
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