GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
161
2010–2026
Total Volume
$63M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
161 total segments
Home State Bank has a strong focus on 504 loans, making up 35% of their total SBA deals. This is significantly higher than the national average of 18%, indicating they are well-suited for borrowers looking for real estate financing.
With an average 7(a) spread of P+2.34%, Home State Bank offers competitive pricing compared to the national median of P+2.75%. This could lead to lower overall borrowing costs for your loan.
The lender's growth trend shows a 40% year-over-year increase in SBA deals, suggesting they are expanding their lending capacity. This could mean better service and availability for new borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 56 504 loans, which use fixed SBA debenture rates.
States where Home State Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Auto Repair & Maintenance
Other Services
Other Health Practitioners
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Food & Beverage Stores
Retail Trade
Wholesale Trade
Wholesale Trade
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for Home State Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Minnesota · Manufacturing · Under $150K | 7(a) | 6 | P+2.63% | $45K | Q1 2015 |
| Minnesota · Restaurants & Food Service · Under $150K | 7(a) | 5 | P+2.25% | $77K | Q3 2015 |
| Minnesota · Other Health Practitioners · Under $150K | 7(a) | 5 | P+3.00% | $68K | Q3 2014 |
| Illinois · Manufacturing · Under $150K | 7(a) | 5 | P+2.25% | $89K | Q4 2019 |
| Illinois · Personal Care (Salons, Spas) · Under $150K | 7(a) | 5 | P+3.25% | $36K | Q3 2022 |
| Illinois · Restaurants & Food Service · $500K – $1M | 504 | 5 | — | $823K | Q2 2022 |
| Minnesota · Restaurants & Food Service · $150K – $350K | 504 | 4 | — | $215K | Q4 2025 |
| Illinois · Education · Under $150K | 7(a) | 4 | P+1.88% | $63K | Q1 2021 |
| Minnesota · Legal Services · Under $150K | 7(a) | 4 | P+3.25% | $46K | Q4 2011 |
| Minnesota · Food & Beverage Stores · Under $150K | 7(a) | 3 | P+3.50% | $28K | Q4 2015 |
| Illinois · Other Health Practitioners · Under $150K | 7(a) | 3 | P+1.50% | $119K | Q2 2021 |
| Illinois · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+1.75% | $124K | Q3 2019 |
| Minnesota · Auto Repair & Maintenance · Under $150K | 7(a) | 3 | P+2.75% | $65K | Q1 2015 |
| Iowa · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.25% | $93K | Q4 2017 |
| Iowa · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+1.75% | $245K | Q3 2021 |
| Iowa · Wholesale Trade · Under $150K | 7(a) | 2 | P+2.38% | $83K | Q1 2017 |
| Minnesota · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+4.25% | $63K | Q2 2011 |
| Illinois · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+1.13% | $82K | Q4 2022 |
| Wisconsin · Restaurants & Food Service · $500K – $1M | 504 | 2 | — | $730K | Q2 2023 |
| Minnesota · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $223K | Q3 2016 |
| Illinois · Retail Trade · Under $150K | 7(a) | 2 | P+2.63% | $106K | Q4 2018 |
| Minnesota · Manufacturing · $500K – $1M | 504 | 2 | — | $697K | Q2 2025 |
| Minnesota · Information & Media · $150K – $350K | 7(a) | 2 | P+4.00% | $250K | Q1 2010 |
| Minnesota · Real Estate · Under $150K | 7(a) | 2 | P+1.00% | $138K | Q1 2018 |
| Minnesota · Social Assistance · Under $150K | 7(a) | 2 | P+1.50% | $66K | Q4 2019 |
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