Lenders › Home Bank, National Association
7(a) lenderLafayette, LouisianaFDIC-insured bank492nd of 2,184 by approvals
Home Bank, National Association
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Home Bank, National Association (Lafayette, Louisiana) is an FDIC-insured bank in the SBA 7(a) program, 492nd of 2,184 by approvals in FY2021 to FY2025: 52 loans worth $68.6M.
In FY2025, the latest complete fiscal year, it had 7 approvals totalling $7.2M. FY2026 to 30 Jun 2026 adds 8 more.
The median approval was $1.0M, against $190K for the 7(a) program as a whole; 13.5% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 2 states and territories and 16 counties, led by Texas (59.6%) and Louisiana (40.4%). The largest industry group was retail trade at 26.9% of approvals, and 21.2% of approvals were to franchise businesses.
Of 167 disbursed loans approved in FY2010 to FY2021, SBA records 5 as charged off (3.0%), 121 as paid in full and 41 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 8 | $3.6M | $314K | $445K | 146 |
| FY2025 | 7 | $7.2M | $823K | $1.0M | 142 |
| FY2024 | 9 | $6.4M | $250K | $708K | 156 |
| FY2023 | 15 | $14.8M | $563K | $984K | 382 |
| FY2022 | 4 | $6.8M | $1.3M | $1.7M | 10 |
| FY2021 | 17 | $33.5M | $1.8M | $2.0M | 113 |
| FY2020 | 9 | $11.2M | $1.1M | $1.2M | 45 |
| FY2019 | 8 | $13.8M | $1.8M | $1.7M | 40 |
| FY2018 | 13 | $21.4M | $1.4M | $1.6M | 75 |
| FY2017 | 21 | $33.4M | $1.4M | $1.6M | 64 |
| FY2016 | 26 | $45.0M | $1.5M | $1.7M | 197 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 77 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Texas | 7(a) program |
|---|---|---|---|
| Approvals in these years | 181 | 48,931 | 639,905 |
| Cancelled or never disbursed | 14 | 5,758 | 79,313 |
| Disbursed loans | 167 | 43,173 | 560,592 |
| Paid in full | 121 | 31,848 | 435,813 |
| Charged off | 5 | 3,650 | 36,891 |
| Still outstanding (status exempt from disclosure) | 41 | 7,675 | 87,888 |
| Charged off, share of disbursed loans | 3.0% | 8.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.0% | 2.9% | 2.5% |
| Dollars charged off | $2.2M | $682M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 16 | 7 | 0 | — | 2.8% |
| FY2020 | 8 | 5 | 0 | — | 4.0% |
| FY2019 | 6 | 3 | 0 | — | 6.7% |
| FY2018 | 11 | 11 | 0 | — | 7.9% |
| FY2017 | 20 | 16 | 0 | — | 7.7% |
| FY2016 | 25 | 15 | 0 | — | 7.2% |
| FY2015 | 18 | 16 | 0 | — | 6.9% |
| FY2014 | 24 | 19 | 1 | — | 6.4% |
| FY2013 | 11 | 4 | 2 | — | 6.0% |
| FY2012 | 11 | 9 | 2 | — | 6.3% |
| FY2011 | 9 | 8 | 0 | — | 6.9% |
| FY2010 | 8 | 8 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $1.0M | $190K |
| Average approval | $1.3M | $518K |
| Approvals of $150,000 or less | 13.5% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 44.2% | 34.3% |
| Approvals to franchise businesses | 21.2% | 11.5% |
| Jobs supported per approval, as reported | 15.4 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 3.0% | 6.6% |
States served
| # | State of the business (2 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Texas | 31 | $49.9M | 59.6% | |
| 2 | Louisiana | 21 | $18.7M | 40.4% |
In Texas the lender accounts for 0.1% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (16 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Harris County, TX | 15 | $23.3M | 28.8% | |
| 2 | Lafayette Parish, LA | 9 | $8.7M | 17.3% | |
| 3 | Galveston County, TX | 7 | $10.3M | 13.5% | |
| 4 | Orleans Parish, LA | 4 | $2.4M | 7.7% | |
| 5 | Fort Bend County, TX | 3 | $7.7M | 5.8% | |
| 6 | Jefferson Parish, LA | 3 | $1.9M | 5.8% | |
| 7 | St. Landry Parish, LA | 2 | — | 3.8% | |
| 8 | Polk County, TX | 1 | — | 1.9% | |
| 9 | Liberty County, TX | 1 | — | 1.9% | |
| 10 | Dallas County, TX | 1 | — | 1.9% | |
| 11 | Iberia Parish, LA | 1 | — | 1.9% | |
| 12 | Hidalgo County, TX | 1 | — | 1.9% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 14 | 26.9% | |
| 2 | Health Care and Social Assistance | 6 | 11.5% | |
| 3 | Other Services (except Public Administration) | 6 | 11.5% | |
| 4 | Accommodation and Food Services | 5 | 9.6% | |
| 5 | Arts, Entertainment, and Recreation | 4 | 7.7% | |
| 6 | Construction | 3 | 5.8% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 3 | 5.8% | |
| 8 | Wholesale Trade | 2 | 3.8% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Gasoline StationsNAICS 4471 | 9 | 17.3% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 4 | 7.7% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 3 | 5.8% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 3 | 5.8% | |
| 5 | Gasoline StationsNAICS 4571 | 2 | 3.8% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 3.8% | |
| 7 | Drycleaning and Laundry ServicesNAICS 8123 | 2 | 3.8% | |
| 8 | Child Day Care ServicesNAICS 6244 | 2 | 3.8% | |
| 9 | Personal Care ServicesNAICS 8121 | 2 | 3.8% | |
| 10 | Support Activities for MiningNAICS 2131 | 1 | 1.9% |
Approval sizes
- $50,000 or less1.9%1
- $50,001 to $150,00011.5%6
- $150,001 to $350,00015.4%8
- $350,001 to $1 million19.2%10
- $1 million to $2 million25.0%13
- Over $2 million26.9%14
Loan terms
- Over 5 to 10 years57.7%30
- Over 10 to 20 years1.9%1
- Over 20 years40.4%21
Age of the businesses
- Existing, more than 2 years old17.3%9
- New business, 2 years or less15.4%8
- Startup, loan funds will open the business28.8%15
- Change of ownership38.5%20
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 30 | 57.7% | |
| 2 | 7a General | 19 | 36.5% | |
| 3 | SBA Express Program | 3 | 5.8% |
Franchise share
11 of 52 approvals in FY2021–FY2025 (21.2%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Classic Star Group | 2 | 3.8% | |
| 2 | Petroleum Wholesale L.P | 1 | 1.9% | |
| 3 | Quality Inn | 1 | 1.9% | |
| 4 | Bay Oil Company | 1 | 1.9% | |
| 5 | Speed Petroleum, LLC | 1 | 1.9% | |
| 6 | US Global Fuels Ltd | 1 | 1.9% | |
| 7 | Connel Oil Corporation | 1 | 1.9% | |
| 8 | Massage Heights | 1 | 1.9% |
Questions and answers
How many SBA loans does Home Bank, National Association make?
SBA approved 7 7(a) loans through Home Bank, National Association in FY2025, worth $7.2M, and 52 over FY2021 to FY2025. That ranks 492nd of 2,184 active 7(a) lenders by number of approvals.
How large are Home Bank, National Association's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $1.0M and the average $1.3M. The program-wide median was $190K.
What is Home Bank, National Association's charge-off rate?
Of 167 disbursed loans approved in FY2010 to FY2021, SBA records 5 as charged off (3.0%), 121 as paid in full and 41 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Home Bank, National Association lend to most?
By number of approvals in FY2021 to FY2025: gasoline stations (9); other amusement and recreation industries (4); restaurants and other eating places (3); services to buildings and dwellings (3).
Where does Home Bank, National Association make SBA loans?
In 2 states and territories. Texas 31, Louisiana 21. In Texas it accounts for 0.1% of all 7(a) approvals.
Is Home Bank, National Association's SBA lending rising?
Approvals in the three latest complete fiscal years total 31, against 30 in the three before: broadly level (+3%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error