Hsbc Bank Usa National Association Mortgage Rates, Fees & Info
MCLEAN, ILLEI: 1IE8VN30JCEQV1H4R804
Tax ID: 20-1177241
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Mortgage Data
Review & Overview
Hsbc Bank Usa National Association is a mid-sized bank specializing in Home Purchase loans. Hsbc Bank Usa National Association has a high proportion of conventional loans. Their top markets by origination volume include: San Jose, San Francisco, New York, Los Angeles, and Seattle among others. We have data for 138 markets. (Some data included below & more in-depth data is available with an active subscription.)Hsbc Bank Usa National Association has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Hsbc Bank Usa National Association is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.43% | 4/5/25 |
| 30 Year Conventional Purchase | 6.54% | 4/5/25 |
| 30 Year Conventional Refi | 6.44% | 4/5/25 |
| 30 Year Cash-out Refi | 6.48% | 4/5/25 |
| 15 Year Conventional Purchase | 6.33% | 4/5/25 |
| 15 Year Conventional Refi | 5.93% | 4/5/25 |
| 15 Year Cash-out Refi | 5.93% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Hsbc Bank Usa National Association Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Hsbc Bank Usa National Association. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,659Origination Dollar Volume (All Markets)
$4,773,545,000Awards
HSBC BANK USA NATIONAL ASSOCIATION - 2024
HSBC BANK USA NATIONAL ASSOCIATION is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Hsbc Bank Usa National Association's average 30 year fixed mortgage rate was
6.14%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.41%.
Relative Fees (Closing Costs)
Hsbc Bank Usa National Association's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,762.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1,002 | $1,529,940,000 | $1,526,886 | $5,287 | 5.96% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 597 | $857,395,000 | $1,436,173 | $7,118 | 6.02% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 707 | $806,755,000 | $1,141,096 | $7,189 | 6.28% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 240 | $462,660,000 | $1,927,750 | $10,763 | 6.23% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 369 | $425,395,000 | $1,152,832 | $5,921 | 5.93% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 98 | $132,770,000 | $1,354,796 | $13,773 | 6.47% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 57 | $72,045,000 | $1,263,947 | $8,166 | 6.28% |
| Outside of Metro Areas | 50 | $54,840,000 | $1,096,800 | $8,647 | 6.23% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 41 | $42,105,000 | $1,026,951 | $7,325 | 6.38% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 31 | $35,235,000 | $1,136,613 | $6,586 | 6.18% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 30 | $32,010,000 | $1,067,000 | $9,454 | 6.09% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 30 | $23,670,000 | $789,000 | $8,764 | 6.40% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 30 | $18,240,000 | $608,000 | $6,391 | 6.37% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 17 | $15,315,000 | $900,882 | $6,372 | 6.38% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 12 | $14,150,000 | $1,179,167 | $4,183 | 6.12% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 12 | $14,040,000 | $1,170,000 | $8,008 | 6.44% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 11 | $12,645,000 | $1,149,545 | $7,756 | 6.38% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 15 | $12,045,000 | $803,000 | $7,505 | 6.50% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 10 | $12,010,000 | $1,201,000 | $8,456 | 6.43% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 17 | $10,995,000 | $646,765 | $8,290 | 6.84% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 10 | $10,970,000 | $1,097,000 | $4,479 | 6.20% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 12 | $9,860,000 | $821,667 | $9,026 | 6.46% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 14 | $8,550,000 | $610,714 | $7,781 | 6.57% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 6 | $7,200,000 | $1,200,000 | $5,760 | 6.42% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $6,480,000 | $1,620,000 | $6,762 | 5.66% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 8 | $6,270,000 | $783,750 | $5,430 | 6.36% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $5,700,000 | $1,425,000 | $8,542 | 6.53% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 27 | $5,545,000 | $205,370 | $4,123 | 6.71% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 7 | $5,275,000 | $753,571 | $6,606 | 6.38% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $5,005,000 | $5,005,000 | $10,109 | 5.38% |
| STOCKTON, CA (FHA|USDA|VA) | 7 | $4,765,000 | $680,714 | $4,723 | 6.40% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 4 | $4,680,000 | $1,170,000 | $5,262 | 6.19% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $4,650,000 | $775,000 | $8,574 | 6.55% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $3,805,000 | $543,571 | $5,624 | 6.33% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 7 | $3,695,000 | $527,857 | $4,563 | 6.51% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $3,675,000 | $3,675,000 | $21,430 | 6.64% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $3,510,000 | $1,755,000 | $5,305 | 6.86% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 5 | $3,295,000 | $659,000 | $5,184 | 6.42% |
| Hailey, ID (FHA|USDA|VA) | 1 | $3,135,000 | $3,135,000 | $14,229 | 5.25% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $3,105,000 | $1,035,000 | $8,313 | 5.89% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $2,775,000 | $2,775,000 | $7,137 | 5.79% |
| WENATCHEE, WA (FHA|USDA|VA) | 4 | $2,710,000 | $677,500 | $5,187 | 6.52% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $2,710,000 | $1,355,000 | $6,768 | 6.58% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $2,570,000 | $428,333 | $4,515 | 6.54% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $2,500,000 | $625,000 | $7,005 | 6.43% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $2,500,000 | $1,250,000 | $5,435 | 6.49% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $2,450,000 | $1,225,000 | $5,465 | 6.05% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 4 | $2,370,000 | $592,500 | $6,077 | 7.20% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $2,225,000 | $2,225,000 | $7,805 | 6.53% |
| KINGSTON, NY (FHA|USDA|VA) | 3 | $1,995,000 | $665,000 | $8,664 | 6.53% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $1,725,000 | $1,725,000 | $7,779 | 6.34% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $1,725,000 | $1,725,000 | $12,330 | 6.38% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $1,685,000 | $561,667 | $4,867 | 7.15% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $1,530,000 | $765,000 | $3,249 | 6.44% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $1,475,000 | $1,475,000 | $5,783 | 7.60% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $6,647 | 6.66% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $1,445,000 | $1,445,000 | $5,089 | 5.92% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $1,350,000 | $675,000 | $6,971 | 6.77% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $1,310,000 | $655,000 | $0 | 6.38% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $4,324 | 6.27% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $4,924 | 6.55% |
| Hudson, NY (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $8,431 | 6.24% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $6,632 | 6.46% |
| Edwards, CO (FHA|USDA|VA) | 1 | $1,145,000 | $1,145,000 | $0 | 6.70% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $3,607 | 6.63% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $5,700 | 6.84% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $4,503 | 6.85% |
| NAPA, CA (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $6,685 | 5.88% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $4,892 | 6.71% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $4,262 | 6.37% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $0 | 6.82% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $7,440 | 6.67% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $4,210 | 6.10% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $8,003 | 6.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $2,871 | 7.12% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $5,782 | 6.39% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $8,187 | 6.92% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $5,134 | 6.43% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $5,677 | 6.76% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $7,627 | 6.44% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $4,051 | 7.87% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $0 | 6.64% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $0 | 6.47% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $6,039 | 6.95% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $5,832 | 6.77% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $5,447 | 6.38% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $5,723 | 6.75% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $4,796 | 6.81% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $4,330 | 7.33% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,987 | 7.47% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $4,921 | 7.12% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $4,607 | 6.69% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 7.24% |
| RENO, NV (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $3,892 | 6.31% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,499 | 7.31% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,391 | 6.98% |
| Heber, UT (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $5,393 | 7.29% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 5.94% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,522 | 6.50% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 6.99% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,923 | 6.85% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,588 | 6.88% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,129 | 7.36% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,419 | 6.15% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,038 | 5.94% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,011 | 6.00% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,211 | 7.24% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 7.38% |
| READING, PA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,073 | 6.13% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,652 | 7.08% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,263 | 6.55% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,607 | 6.92% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,571 | 6.81% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,870 | 7.26% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 6.75% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,205 | 7.30% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,140 | 7.78% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,022 | 6.80% |
| Astoria, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,995 | 6.46% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,821 | 6.75% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 6.36% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,154 | 7.38% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,999 | 6.38% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,521 | 7.32% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,402 | 7.30% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,422 | 6.15% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,255 | 7.10% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,325 | 6.75% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.99% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,215 | 7.27% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,830 | 6.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.99% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 6.24% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.99% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,836 | 6.92% |
| ERIE, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.99% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.99% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.04% |
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We use machine learning to identify the top lenders compared against HSBC BANK USA NATIONAL ASSOCIATION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 3,368 | $4,675,000,000 | $1,388,064 | $6,765 | 6.08% |
| HELOC | 291 | $98,545,000 | $338,643 | n/a | 6.88% |
For 2024, Hsbc Bank Usa National Association's most frequently originated type of loan was Conventional, with 3,368 originations. Their 2nd most popular type was HELOC, with 291 originations.
Loan Reason
For 2024, Hsbc Bank Usa National Association's most frequently cited loan purpose was Home Purchase, with 2,926 originations. The 2nd most popular reason was Refi, with 398 originations.
Loan Duration/Length
For 2024, Hsbc Bank Usa National Association's most frequently cited loan duration was 30 Year, with 3,629 originations. The 2nd most popular length was 15 Year, with 17 originations.
Origination Fees/Closing Costs
Hsbc Bank Usa National Association's average total fees were $6,762, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,947 originations.
Interest Rates
During 2024, Hsbc Bank Usa National Association's average interest rate for loans was 6.14%, while their most frequently originated rate bucket for loans was 6-7%, with 1,928 originations.
Loan Sizing
2024 saw Hsbc Bank Usa National Association place emphasis on $1MM+ loans with 2,026 originations, totaling $3,786,390,000 in origination value.
Applicant Income
Hsbc Bank Usa National Association lent most frequently to those with incomes in the $250k+ range, with 2,839 originations. The second most popular income band? $150k-250k, with 549 originations.
Applicant Debt to Income Ratio
Hsbc Bank Usa National Association lent most frequently to those with DTI ratios of 30-36%, with 585 originations. The next most common DTI ratio? 20-30%, with 514 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.00%
Hsbc Bank Usa National Association has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination73.68%
Hsbc Bank Usa National Association has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,659 | $4,773,545,000 | $1,304,604 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,659 | $4,773,545,000 | $1,304,604 |