SBA 7(a)/504 FOIA · FY1991–PRESENT · NEW YORK
MR. ROOTER franchise in New York: what the public record shows
Franchisees of MR. ROOTER in New York have taken 6 SBA loans in the FY1991–present FOIA files (average $103,166). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. MR. ROOTER's national ratio is 0.8× (not clearly different from 1.0×). Its latest FDD Item 20 state table reports 8 franchised outlets in New York (fiscal 2025) — about 0.04 per 100k residents.
Loans in NY
6
Charged off (all years)
0 of 5
Loss ratio in NY
—
Loss ratio nationally (not clear)
0.8×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NY. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
Businesses in this industry
13,427
statewide, all operators
Per 100k residents
67.6
national 39.6
Versus the country
+71%
denser
Every business in MR. ROOTER's industry operating in New York — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$1,293
New York, BLS QCEW 2025
National average
$1,252
same industry, all states
Versus the country
+3%
costlier to staff
What MR. ROOTER's industry actually pays workers in New York, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is independent of the FDD: a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 8 | — |
| 2024 | 8 | — |
| 2025 | 8 | — |
| System | Loans in NY | Charged off (all years) | Loss ratio in NY | Units in NY |
|---|---|---|---|---|
| Budget Blinds | 10 | 0 of 4 | — | — |
| CERTA PROPAINTERS | 10 | 1 of 5 | — | 12 |
| 360 Painting | 7 | 1 of 3 | — | 2 |
| JUNK KING | 6 | 0 of 3 | — | 4 |
| Lawn Doctor | 6 | 0 of 4 | — | — |
| MOSQUITO JOE | 6 | 0 of 3 | — | 22 |
| FCI | 5 | 0 of 2 | — | 7 |
| GLASS DOCTOR | 5 | 1 of 1 | — | 6 |
| The Grounds Guys | 5 | 1 of 2 | — | — |
Other systems in MR. ROOTER's sector whose franchisees borrowed in New York. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing MR. ROOTER’s numbers, including talking you out of a bad deal.