STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,009
2010–2026
Total Volume
$1.1B
Gross loan amounts
States Active
41
With recorded loans
Programs
7(a) & 504
1008 total segments
HomeTrust Bank has a strong focus on the hospitality sector, with 173 deals in Hotels & Accommodation, making it a great choice for businesses in this industry.
With an average 7(a) spread of P+2.23%, HomeTrust Bank offers competitive pricing compared to the national median of P+2.75%, which can save you money on interest.
HomeTrust Bank's deal volume has decreased by 22% year-over-year, indicating a potential tightening in lending, which could affect approval chances for new borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 38 504 loans, which use fixed SBA debenture rates.
Top 15 of 41 states where HomeTrust Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Hotels & Accommodation
Accommodation & Food Services
Gas Stations
Retail Trade
Restaurants & Food Service
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Miscellaneous Retail
Retail Trade
+ 7 more
All recorded SBA lending activity for HomeTrust Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Georgia · Hotels & Accommodation · $2M – $5M | 7(a) | 54 | P+1.50% | $3.1M | Q2 2024 |
| Georgia · Hotels & Accommodation · $1M – $2M | 7(a) | 54 | P+1.63% | $1.5M | Q4 2025 |
| Georgia · Gas Stations · $500K – $1M | 7(a) | 33 | P+1.50% | $717K | Q1 2022 |
| Georgia · Gas Stations · $1M – $2M | 7(a) | 26 | P+1.50% | $1.3M | Q4 2020 |
| Georgia · Food & Beverage Stores · $500K – $1M | 7(a) | 12 | P+2.13% | $702K | Q4 2023 |
| Georgia · Gas Stations · $350K – $500K | 7(a) | 12 | P+2.00% | $446K | Q1 2020 |
| Georgia · Hotels & Accommodation · $500K – $1M | 7(a) | 9 | P+1.75% | $755K | Q1 2018 |
| North Carolina · Manufacturing · $150K – $350K | 7(a) | 9 | P+2.25% | $305K | Q3 2023 |
| Georgia · Gas Stations · $2M – $5M | 7(a) | 8 | P+1.50% | $2.7M | Q3 2021 |
| Georgia · Gas Stations · $150K – $350K | 7(a) | 8 | P+1.50% | $273K | Q3 2021 |
| Georgia · Food & Beverage Stores · $150K – $350K | 7(a) | 8 | P+2.13% | $271K | Q3 2021 |
| North Carolina · Hotels & Accommodation · $2M – $5M | 7(a) | 7 | P+1.50% | $3.7M | Q3 2025 |
| Georgia · Food & Beverage Stores · $350K – $500K | 7(a) | 7 | P+1.50% | $426K | Q4 2020 |
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 7 | P+2.25% | $779K | Q4 2025 |
| North Carolina · Restaurants & Food Service · $1M – $2M | 7(a) | 6 | P+2.75% | $1.3M | Q4 2025 |
| North Carolina · Restaurants & Food Service · $500K – $1M | 7(a) | 6 | P+2.75% | $674K | Q1 2023 |
| Georgia · Auto Dealers & Parts · $500K – $1M | 7(a) | 6 | P+1.50% | $648K | Q4 2025 |
| North Carolina · Manufacturing · $500K – $1M | 7(a) | 6 | P+2.38% | $864K | Q3 2025 |
| Georgia · Restaurants & Food Service · $1M – $2M | 7(a) | 5 | P+2.50% | $1.3M | Q4 2024 |
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+1.50% | $255K | Q2 2023 |
| North Carolina · Restaurants & Food Service · $350K – $500K | 7(a) | 5 | P+2.25% | $402K | Q2 2022 |
| Texas · Legal Services · Under $150K | 7(a) | 5 | P+3.00% | $39K | Q1 2013 |
| Georgia · Hotels & Accommodation · $150K – $350K | 7(a) | 5 | P+2.00% | $272K | Q3 2017 |
| Alabama · Hotels & Accommodation · $1M – $2M | 7(a) | 5 | P+1.50% | $1.5M | Q1 2022 |
| Georgia · Wholesale Trade · $500K – $1M | 7(a) | 5 | P+2.25% | $624K | Q3 2022 |
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