SBA lender · 7(a) program
Home State Bank
Home State Bank has approved 107 SBA loans worth $29.8M since FY2010. Everything below comes from the SBA’s own loan-level records.
National rank
#943
<0.01% of all SBA dollars
Total approved
$29.8M
FY2010 onward
Loans
107
Median loan
$101,300
-44% vs national
Median rate
6.00%
-0.75 pts vs national
Charge-off rate
1.4%
70 resolved FY10-19 loans
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What Home State Bank’s numbers say
Home State Bank sits in the long tail of the SBA lending field, having approved 107 loans for a gross total of $29.8M since fiscal 2010. Its median loan of $101,300 is well below the $180,000 national median, typical of a lender leaning on SBA Express and smaller working-capital facilities.
The median initial note rate across its 7(a) approvals is 6.00%, 0.75 points below the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Of its FY2010-FY2019 approvals that have reached a terminal status, 1.4% were charged off, 6.1 points below the national figure of 7.6%. Read that as a description of the credit box a lender chose, not as a verdict on it: lenders serving newer businesses and thinner files will always show higher losses than those writing large, collateralised acquisition loans.
Roughly 4% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally.
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Questions about Home State Bank
- How many SBA loans has Home State Bank approved?
- Home State Bank has approved 107 SBA loans totalling $29,795,900 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it outside the top 500 among all SBA lenders by dollars approved.
- What is the typical Home State Bank SBA loan size?
- The median gross approval is $101,300, with the middle 80% of loans falling between $25,000 and $501,300. The national median across all SBA lenders is $180,000.
- What interest rate does Home State Bank charge on SBA 7(a) loans?
- The median initial note rate on Home State Bank's 7(a) approvals is 6.00%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
- What is Home State Bank's SBA loan charge-off rate?
- 1.4% of its FY2010-FY2019 approvals that have reached a terminal status were charged off, against a national figure of 7.6%. A charge-off rate reflects the borrowers a lender chose to underwrite as much as anything else, and is not a measure of service quality.
Where to go from here
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