Hsbc Bank Usa National Association Mortgage Rates, Fees & Info

MCLEAN, IL

LEI: 1IE8VN30JCEQV1H4R804

Tax ID: 20-1177241

4.9 stars - out of 5 stars, based on 80 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Hsbc Bank Usa National Association is a mid-sized bank specializing in Home Purchase and Refi loans. Hsbc Bank Usa National Association has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: New York, San Jose, Los Angeles, San Francisco, and Miami among others. We have data for 175 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 an average 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.48% 11/27/22
    30 Year Conventional Purchase 6.55% 11/27/22
    30 Year Conventional Refi 6.53% 11/27/22
    30 Year Cash-out Refi 6.61% 11/27/22
    30 Year FHA Purchase 6.61% 11/27/22
    30 Year FHA Refi 6.61% 11/27/22
    30 Year VA Purchase 6.61% 11/27/22
    30 Year VA Refi 6.61% 11/27/22
    15 Year Conventional Purchase 5.97% 11/27/22
    15 Year Conventional Refi 6.05% 11/27/22
    15 Year Cash-out Refi 6.05% 11/27/22
    15 Year FHA Refi 5.90% 11/27/22
    15 Year VA Refi 5.90% 11/27/22
    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.


    Originations

    6,356

    Origination Dollar Volume (All Markets)

    $5,856,180,000

    Employee count

    3,236 Show all (18) awards

    Relative Rate

    Hsbc Bank Usa National Association's average 30 year fixed mortgage rate was 2.72%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.43%.

    Relative Fees (Closing Costs)

    Hsbc Bank Usa National Association's average total fees/closing costs for a 30 year fixed rate mortgage were $6,111.

    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 $4,750.

    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
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2,373 $1,777,535,000 $749,067 $6,161 2.69%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 747 $1,094,875,000 $1,465,696 $4,921 2.38%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 703 $861,465,000 $1,225,413 $6,858 2.70%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 596 $702,360,000 $1,178,456 $5,557 2.56%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 280 $336,290,000 $1,201,036 $8,502 2.87%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 278 $229,930,000 $827,086 $4,697 2.64%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 95 $110,675,000 $1,165,000 $7,805 2.72%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 137 $94,685,000 $691,131 $4,641 2.82%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 59 $57,555,000 $975,508 $6,943 3.08%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 44 $55,310,000 $1,257,045 $6,372 2.82%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 157 $33,375,000 $212,580 $3,886 2.58%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 39 $31,105,000 $797,564 $5,553 2.72%
    Outside of Metro Areas 30 $31,000,000 $1,033,333 $5,701 2.82%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 49 $25,735,000 $525,204 $5,938 2.96%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 48 $21,370,000 $445,208 $5,704 2.92%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 38 $19,820,000 $521,579 $5,182 2.96%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 22 $16,090,000 $731,364 $4,017 2.77%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 23 $15,985,000 $695,000 $6,867 3.06%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 22 $14,940,000 $679,091 $4,879 2.92%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 26 $13,850,000 $532,692 $4,739 3.02%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 13 $12,765,000 $981,923 $6,003 2.77%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 34 $12,370,000 $363,824 $5,565 3.25%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 38 $11,770,000 $309,737 $4,765 2.81%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 20 $10,590,000 $529,500 $4,653 2.73%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 12 $9,850,000 $820,833 $6,291 2.84%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $9,830,000 $4,915,000 $22,152 2.79%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 12 $9,420,000 $785,000 $6,041 2.53%
    URBAN HONOLULU, HI (FHA|USDA|VA) 7 $8,905,000 $1,272,143 $7,663 2.94%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 15 $8,665,000 $577,667 $5,342 2.76%
    BOULDER, CO (FHA|USDA|VA) 6 $8,340,000 $1,390,000 $6,132 2.96%
    Heber, UT (FHA|USDA|VA) 6 $7,680,000 $1,280,000 $6,255 2.74%
    NAPA, CA (FHA|USDA|VA) 6 $7,440,000 $1,240,000 $5,588 2.38%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 12 $7,110,000 $592,500 $3,893 2.91%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 20 $7,060,000 $353,000 $4,980 2.67%
    Glenwood Springs, CO (FHA|USDA|VA) 2 $6,860,000 $3,430,000 $9,773 1.99%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 5 $6,815,000 $1,363,000 $6,020 2.60%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 10 $6,360,000 $636,000 $6,228 2.99%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 12 $5,940,000 $495,000 $4,185 3.05%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 19 $5,675,000 $298,684 $4,053 2.72%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 9 $5,345,000 $593,889 $4,449 2.92%
    RALEIGH-CARY, NC (FHA|USDA|VA) 9 $4,545,000 $505,000 $4,342 2.97%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 4 $4,460,000 $1,115,000 $4,680 2.54%
    Kill Devil Hills, NC (FHA|USDA|VA) 4 $4,270,000 $1,067,500 $0 2.85%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 6 $4,020,000 $670,000 $4,337 2.84%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $3,975,000 $795,000 $5,576 2.79%
    Sevierville, TN (FHA|USDA|VA) 4 $3,960,000 $990,000 $8,404 2.60%
    JACKSONVILLE, FL (FHA|USDA|VA) 11 $3,655,000 $332,273 $5,095 3.24%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 11 $3,595,000 $326,818 $4,019 3.02%
    Hudson, NY (FHA|USDA|VA) 5 $3,345,000 $669,000 $6,430 2.56%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 5 $3,335,000 $667,000 $4,080 2.53%
    RENO, NV (FHA|USDA|VA) 2 $3,270,000 $1,635,000 $15,296 3.26%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 9 $3,065,000 $340,556 $4,648 2.83%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $3,000,000 $375,000 $4,854 3.03%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 6 $2,920,000 $486,667 $4,411 2.93%
    Jackson, WY-ID (FHA|USDA|VA) 2 $2,810,000 $1,405,000 $6,414 2.65%
    Torrington, CT (FHA|USDA|VA) 4 $2,750,000 $687,500 $4,070 2.92%
    SALISBURY, MD-DE (FHA|USDA|VA) 3 $2,735,000 $911,667 $5,932 2.52%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 8 $2,340,000 $292,500 $5,312 2.80%
    STOCKTON, CA (FHA|USDA|VA) 5 $2,275,000 $455,000 $3,948 2.71%
    OCEAN CITY, NJ (FHA|USDA|VA) 3 $2,265,000 $755,000 $7,466 3.55%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 7 $2,245,000 $320,714 $4,310 2.93%
    SALINAS, CA (FHA|USDA|VA) 2 $2,230,000 $1,115,000 $2,476 2.92%
    SALT LAKE CITY, UT (FHA|USDA|VA) 4 $2,180,000 $545,000 $4,087 2.64%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $2,155,000 $2,155,000 $0 3.85%
    RICHMOND, VA (FHA|USDA|VA) 5 $1,975,000 $395,000 $4,582 3.60%
    SANTA FE, NM (FHA|USDA|VA) 1 $1,965,000 $1,965,000 $12,198 3.57%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $1,925,000 $641,667 $8,050 2.92%
    TUCSON, AZ (FHA|USDA|VA) 3 $1,875,000 $625,000 $5,388 3.00%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $1,870,000 $311,667 $4,994 2.63%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $1,830,000 $915,000 $3,444 2.76%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $1,820,000 $227,500 $5,647 3.41%
    VALLEJO, CA (FHA|USDA|VA) 3 $1,735,000 $578,333 $5,453 3.04%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $1,600,000 $800,000 $5,340 3.07%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $1,570,000 $392,500 $3,864 2.86%
    KINGSTON, NY (FHA|USDA|VA) 5 $1,565,000 $313,000 $5,658 2.92%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $1,450,000 $362,500 $3,746 3.23%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $1,435,000 $287,000 $3,762 3.95%
    GAINESVILLE, GA (FHA|USDA|VA) 3 $1,395,000 $465,000 $5,303 3.05%
    Steamboat Springs, CO (FHA|USDA|VA) 2 $1,370,000 $685,000 $3,810 3.44%
    COLUMBUS, OH (FHA|USDA|VA) 2 $1,360,000 $680,000 $5,824 2.82%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $1,315,000 $1,315,000 $6,442 3.11%
    BILLINGS, MT (FHA|USDA|VA) 2 $1,200,000 $600,000 $5,508 2.83%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $1,180,000 $590,000 $3,731 3.48%
    ASHEVILLE, NC (FHA|USDA|VA) 2 $1,150,000 $575,000 $5,678 3.09%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,135,000 $227,000 $4,520 4.05%
    Hailey, ID (FHA|USDA|VA) 1 $1,125,000 $1,125,000 $5,845 2.79%
    Rutland, VT (FHA|USDA|VA) 2 $1,090,000 $545,000 $4,070 3.11%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $1,075,000 $1,075,000 $4,914 2.67%
    GREELEY, CO (FHA|USDA|VA) 2 $1,070,000 $535,000 $3,400 3.15%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $1,065,000 $355,000 $4,913 2.71%
    BAKERSFIELD, CA (FHA|USDA|VA) 4 $1,000,000 $250,000 $4,054 2.88%
    WORCESTER, MA-CT (FHA|USDA|VA) 3 $965,000 $321,667 $4,261 3.76%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $955,000 $955,000 $5,022 2.16%
    Barre, VT (FHA|USDA|VA) 2 $940,000 $470,000 $4,898 3.39%
    Cambridge, MD (FHA|USDA|VA) 1 $905,000 $905,000 $6,303 2.51%
    BELLINGHAM, WA (FHA|USDA|VA) 2 $850,000 $425,000 $3,473 2.51%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $835,000 $835,000 $0 2.14%
    ROCHESTER, NY (FHA|USDA|VA) 5 $765,000 $153,000 $4,345 3.04%
    FRESNO, CA (FHA|USDA|VA) 2 $740,000 $370,000 $3,244 3.00%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $710,000 $355,000 $2,737 2.32%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $675,000 $135,000 $3,708 3.30%
    Plattsburgh, NY (FHA|USDA|VA) 1 $675,000 $675,000 $4,588 2.59%
    Holland, MI (FHA|USDA|VA) 1 $635,000 $635,000 $4,780 2.61%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $615,000 $205,000 $3,792 2.89%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $545,000 $545,000 $4,113 2.82%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $545,000 $545,000 $9,790 2.50%
    SYRACUSE, NY (FHA|USDA|VA) 3 $515,000 $171,667 $4,577 3.46%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $505,000 $168,333 $3,488 2.97%
    SPRINGFIELD, MA (FHA|USDA|VA) 1 $485,000 $485,000 $4,350 3.88%
    BEND, OR (FHA|USDA|VA) 1 $485,000 $485,000 $0 2.93%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $480,000 $240,000 $3,910 2.95%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $445,000 $445,000 $4,231 3.00%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $435,000 $435,000 $4,640 2.75%
    BINGHAMTON, NY (FHA|USDA|VA) 3 $435,000 $145,000 $4,998 3.04%
    BOISE CITY, ID (FHA|USDA|VA) 2 $430,000 $215,000 $7,371 2.12%
    OCALA, FL (FHA|USDA|VA) 2 $420,000 $210,000 $3,803 2.94%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $420,000 $210,000 $1,990 2.56%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $415,000 $138,333 $2,703 2.67%
    Bozeman, MT (FHA|USDA|VA) 1 $415,000 $415,000 $3,931 2.90%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $415,000 $415,000 $3,658 4.40%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $390,000 $195,000 $3,802 3.14%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $375,000 $375,000 $4,192 3.13%
    Coos Bay, OR (FHA|USDA|VA) 1 $365,000 $365,000 $2,027 3.25%
    Athens, TX (FHA|USDA|VA) 1 $345,000 $345,000 $4,071 2.38%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $340,000 $170,000 $3,905 2.62%
    WACO, TX (FHA|USDA|VA) 2 $340,000 $170,000 $3,955 2.88%
    READING, PA (FHA|USDA|VA) 2 $340,000 $170,000 $4,520 3.10%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $335,000 $335,000 $4,271 3.55%
    WILMINGTON, NC (FHA|USDA|VA) 1 $325,000 $325,000 $4,490 2.75%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $305,000 $305,000 $6,917 4.65%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $295,000 $295,000 $4,562 2.88%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $295,000 $295,000 $2,738 3.40%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $280,000 $140,000 $2,919 3.00%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $255,000 $255,000 $4,131 3.13%
    COLUMBIA, SC (FHA|USDA|VA) 1 $255,000 $255,000 $3,021 2.00%
    Port Angeles, WA (FHA|USDA|VA) 1 $245,000 $245,000 $4,110 3.33%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.33%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $235,000 $235,000 $2,575 3.13%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $235,000 $235,000 $3,870 3.46%
    PITTSFIELD, MA (FHA|USDA|VA) 1 $235,000 $235,000 $3,172 2.63%
    Oxford, MS (FHA|USDA|VA) 1 $225,000 $225,000 $3,735 3.25%
    GRAND ISLAND, NE (FHA|USDA|VA) 1 $225,000 $225,000 $2,462 3.39%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.55%
    Ellensburg, WA (FHA|USDA|VA) 1 $225,000 $225,000 $3,086 3.16%
    GREENVILLE, NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,335 2.63%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $210,000 $105,000 $2,739 2.63%
    Gloversville, NY (FHA|USDA|VA) 1 $205,000 $205,000 $3,888 2.38%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $205,000 $205,000 $3,079 2.60%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.00%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $195,000 $195,000 $3,277 3.27%
    Sanford, NC (FHA|USDA|VA) 1 $185,000 $185,000 $3,932 3.77%
    MERCED, CA (FHA|USDA|VA) 1 $185,000 $185,000 $3,744 2.63%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $175,000 $175,000 $3,441 2.50%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $175,000 $175,000 $3,000 3.25%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $165,000 $165,000 $2,494 2.88%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,510 3.00%
    UTICA-ROME, NY (FHA|USDA|VA) 2 $140,000 $70,000 $0 4.92%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $135,000 $135,000 $2,660 2.38%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.00%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.50%
    ITHACA, NY (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.45%
    LANCASTER, PA (FHA|USDA|VA) 1 $125,000 $125,000 $7,427 2.25%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $125,000 $125,000 $3,289 3.00%
    Brevard, NC (FHA|USDA|VA) 1 $115,000 $115,000 $2,656 2.13%
    Marinette, WI-MI (FHA|USDA|VA) 1 $115,000 $115,000 $2,551 2.50%
    VISALIA, CA (FHA|USDA|VA) 1 $115,000 $115,000 $5,943 2.88%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $115,000 $115,000 $2,370 2.50%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.58%
    SAVANNAH, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 1.74%
    Rockport, TX (FHA|USDA|VA) 1 $95,000 $95,000 $2,093 2.50%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.06%
    Richmond, IN (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.50%
    Jacksonville, TX (FHA|USDA|VA) 1 $75,000 $75,000 $2,722 2.63%
    Olean, NY (FHA|USDA|VA) 1 $55,000 $55,000 $0 1.74%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $35,000 $35,000 $2,999 2.75%
    Hsbc Bank Usa National Association's top markets include New York, San Jose, Los Angeles, San Francisco, and Miami among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,074 $5,798,150,000 $954,585 $5,886 2.73%
    HELOC 281 $58,005,000 $206,423 n/a 1.75%
    FHA 1 $25,000 $25,000 $0 7.50%

    For 2021, Hsbc Bank Usa National Association's most frequently originated type of loan was Conventional, with 6,074 originations. Their 2nd most popular type was HELOC, with 281 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,904 $3,200,290,000 $1,102,028 $6,490 2.73%
    Refi 2,105 $1,656,845,000 $787,100 $4,973 2.70%
    Cash Out Refi 989 $808,245,000 $817,235 $5,759 2.74%
    Other 185 $140,885,000 $761,541 $7,998 2.20%
    Home Improvement 173 $49,915,000 $288,526 $5,559 2.03%

    For 2021, Hsbc Bank Usa National Association's most frequently cited loan purpose was Home Purchase, with 2,904 originations. The 2nd most popular reason was Refi, with 2,105 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,463 $5,461,575,000 $999,739 $6,111 2.72%
    15 Year 675 $219,215,000 $324,763 $4,560 2.38%
    20 Year 149 $51,385,000 $344,866 $4,852 2.86%
    10 Year 34 $46,760,000 $1,375,294 $5,761 2.52%
    Other 34 $56,940,000 $1,674,706 $5,938 2.97%
    5 Year 1 $20,305,000 $20,305,000 $0 2.66%

    For 2021, Hsbc Bank Usa National Association's most frequently cited loan duration was 30 Year, with 5,463 originations. The 2nd most popular length was 15 Year, with 675 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 4,440 $4,478,650,000 $1,008,705
    $2k-3k 377 $196,875,000 $522,215
    $3k-4k 183 $126,345,000 $690,410
    $5k+ 136 $154,730,000 $1,137,721
    $4k-5k 122 $123,830,000 $1,015,000
    $<1k 40 $19,170,000 $479,250

    Hsbc Bank Usa National Association's average total fees were $6,111, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,440 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 2,845 $2,375,735,000 $835,056
    <2.5% 2,291 $2,620,105,000 $1,143,651
    3-4% 1,132 $822,100,000 $726,237
    4-5% 71 $22,925,000 $322,887
    % 15 $15,215,000 $1,014,333
    5-6% 1 $75,000 $75,000
    7-8% 1 $25,000 $25,000

    During 2021, Hsbc Bank Usa National Association's average interest rate for loans was 2.72%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,845 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 2,033 $3,908,395,000 $1,922,477 $7,564 2.54%
    $200k-400k 1,450 $423,590,000 $292,131 $4,668 2.73%
    $600k-1MM 1,166 $920,300,000 $789,280 $5,569 2.79%
    $400k-600k 1,040 $513,740,000 $493,981 $5,417 2.84%
    $100k-200k 532 $80,130,000 $150,620 $3,779 2.68%
    $100,000 or less 135 $10,025,000 $74,259 $3,408 2.47%

    2021 saw Hsbc Bank Usa National Association place emphasis on $1MM+ loans with 2,033 originations, totaling $3,908,395,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 2,773 $3,925,765,000 $1,415,710 $7,111 2.63%
    $150k-250k 1,548 $1,016,030,000 $656,350 $5,259 2.71%
    $100k-150k 866 $341,100,000 $393,880 $5,069 2.77%
    $75k-100k 415 $128,445,000 $309,506 $4,711 2.81%
    $50k-75k 287 $66,035,000 $230,087 $4,322 2.78%
    $50k or less 111 $36,065,000 $324,910 $4,528 2.79%

    Hsbc Bank Usa National Association lent most frequently to those with incomes in the $250k+ range, with 2,773 originations. The second most popular income band? $150k-250k, with 1,548 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,401 $1,093,525,000 $780,532 $5,591 2.71%
    30-36% 1,142 $938,280,000 $821,611 $5,720 2.70%
    <20% 705 $594,465,000 $843,213 $5,936 2.75%
    44% 259 $213,655,000 $824,923 $5,989 2.63%
    42% 227 $228,035,000 $1,004,559 $6,405 2.66%
    38% 219 $201,305,000 $919,201 $5,989 2.66%
    41% 215 $221,865,000 $1,031,930 $5,959 2.66%
    40% 211 $224,175,000 $1,062,441 $6,481 2.68%
    47% 210 $234,410,000 $1,116,238 $6,267 2.65%
    37% 209 $180,625,000 $864,234 $5,686 2.70%
    49% 208 $218,060,000 $1,048,365 $6,047 2.62%
    36% 208 $180,620,000 $868,365 $5,746 2.66%
    48% 207 $227,165,000 $1,097,415 $6,065 2.59%
    43% 205 $174,065,000 $849,098 $5,547 2.72%
    39% 203 $186,985,000 $921,108 $5,802 2.67%
    46% 176 $178,680,000 $1,015,227 $5,795 2.63%
    45% 173 $165,495,000 $956,618 $5,985 2.74%
    50-60% 138 $214,850,000 $1,556,884 $7,444 2.53%
    >60% 1 $545,000 $545,000 $6,974 2.58%

    Hsbc Bank Usa National Association lent most frequently to those with DTI ratios of 20-30%, with 1,401 originations. The next most common DTI ratio? 30-36%, with 1,142 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 2,807 $2,629,015,000 $936,592 $6,209 2.70%
    Asian 1,754 $1,842,960,000 $1,050,718 $5,452 2.57%
    White 1,592 $1,140,570,000 $716,438 $5,794 2.77%
    Not applicable 38 $176,770,000 $4,651,842 $21,518 2.50%
    Black 140 $47,100,000 $336,429 $5,124 2.92%
    Asian Indian 6 $5,370,000 $895,000 $9,078 2.99%
    Chinese 6 $4,130,000 $688,333 $6,797 2.69%
    Other Asian 2 $3,740,000 $1,870,000 $12,116 3.28%
    American Indian 4 $3,160,000 $790,000 $6,555 2.43%
    Korean 1 $1,355,000 $1,355,000 $6,624 2.62%
    Native Hawaiian or Islander 3 $895,000 $298,333 $4,943 2.25%
    Filipino 1 $545,000 $545,000 $3,255 3.00%
    Other Pacific Islander 1 $305,000 $305,000 $5,302 2.50%
    Vietnamese 1 $265,000 $265,000 $0 3.13%

    Approval Rates

    Total approvals of all applications
    92.59%

    Hsbc Bank Usa National Association has an average approval rate.

    Pick Rate

    Approvals leading to origination
    60.05%

    Hsbc Bank Usa National Association has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,356 $5,856,180,000 $921,362

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,356 $5,856,180,000 $921,362

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 726 $381,050,000 $524,862 $4,928 2.57%
    40-60% 1,365 $1,071,935,000 $785,300 $5,304 2.71%
    60-80% 3,018 $3,249,090,000 $1,076,571 $6,207 2.77%
    80-100% 974 $1,089,080,000 $1,118,152 $6,332 2.66%
    Under 20% 273 $65,025,000 $238,187 $4,472 2.03%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    HSBC NORTH AMERICA HOLDINGS INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 7 11.9%
    HSBC NORTH AMERICA HOLDINGS INC. Conventional home mortgage Closing on a mortgage 4 6.8%
    HSBC NORTH AMERICA HOLDINGS INC. Conventional home mortgage Struggling to pay mortgage 5 8.5%
    HSBC NORTH AMERICA HOLDINGS INC. Conventional home mortgage Trouble during payment process 20 33.9%
    HSBC NORTH AMERICA HOLDINGS INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 1.7%
    HSBC NORTH AMERICA HOLDINGS INC. FHA mortgage Struggling to pay mortgage 1 1.7%
    HSBC NORTH AMERICA HOLDINGS INC. FHA mortgage Trouble during payment process 1 1.7%
    HSBC NORTH AMERICA HOLDINGS INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 1.7%
    HSBC NORTH AMERICA HOLDINGS INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 3 5.1%
    HSBC NORTH AMERICA HOLDINGS INC. Home equity loan or line of credit (HELOC) Incorrect information on your report 1 1.7%
    HSBC NORTH AMERICA HOLDINGS INC. Home equity loan or line of credit (HELOC) Trouble during payment process 8 13.6%
    HSBC NORTH AMERICA HOLDINGS INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 1.7%
    HSBC NORTH AMERICA HOLDINGS INC. Other type of mortgage Closing on a mortgage 1 1.7%
    HSBC NORTH AMERICA HOLDINGS INC. Other type of mortgage Incorrect information on your report 1 1.7%
    HSBC NORTH AMERICA HOLDINGS INC. Other type of mortgage Trouble during payment process 3 5.1%
    HSBC NORTH AMERICA HOLDINGS INC. VA mortgage Closing on a mortgage 1 1.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    HSBC Bank Usa, National Association 1 City Place White Plains, NY 10601 Limited, Drive-thru $156,824
    HSBC Bank Usa, National Association 1107 South Baldwin Avenue Unit C Arcadia, CA 91007 Full Service B&M $235,641
    HSBC Bank Usa, National Association 1133 Avenue Of The Americas New York City, NY 10036 Full Service B&M $211,846
    HSBC Bank Usa, National Association 11842 Spectrum Center Reston, VA 20190 Full Service B&M $112,114
    HSBC Bank Usa, National Association 11901 North East Village Plaza, Ste 137 Kirkland, WA 98034 Full Service B&M $22,980
    HSBC Bank Usa, National Association 1300 North Avenue New Rochelle, NY 10804 Full Service B&M $311,586
    HSBC Bank Usa, National Association 131 East 57th Street New York, NY 10022 Full Service B&M $487,264
    HSBC Bank Usa, National Association 1330 Pennsylvania Avenue New York City, NY 11239 Full Service B&M $67,742
    HSBC Bank Usa, National Association 1340 Third Avenue New York, NY 10075 Full Service B&M $292,441
    HSBC Bank Usa, National Association 1350 Grant Road #3 Mountain View, CA 94040 Full Service B&M $169,206
    HSBC Bank Usa, National Association 1401 I Street, N.W. Washington, DC 20005 Full Service B&M $2,277,867
    HSBC Bank Usa, National Association 1420 El Paseo De Saratoga San Jose, CA 95130 Full Service B&M $188,535
    HSBC Bank Usa, National Association 143 Second Avenue New York, NY 10003 Full Service B&M $211,574
    HSBC Bank Usa, National Association 144-01 Northern Boulevard Flushing, NY 11354 Full Service B&M $98,283
    HSBC Bank Usa, National Association 1441 Brickell Ave Sutie 100 Miami, FL 33131 Full Service B&M $195,089
    HSBC Bank Usa, National Association 1441 Brickell Avenue, Suite 1110 Miami, FL 33131 Full Service B&M $662,277
    HSBC Bank Usa, National Association 1453 3rd Street Promenade, Suite 250 Santa Monica, CA 90401 Full Service B&M $72,360
    HSBC Bank Usa, National Association 14702 Hillside Avenue Jamaica, NY 11435 Full Service B&M $127,454
    HSBC Bank Usa, National Association 1499 West Ave Bronx, NY 10462 Full Service B&M $109,406
    HSBC Bank Usa, National Association 15 Union Square West New York, NY 10003 Full Service B&M $207,941
    HSBC Bank Usa, National Association 15315 Culver Drive, Suite 187 Irvine, CA 92604 Full Service B&M $636,202
    HSBC Bank Usa, National Association 1545 Flatbush Avenue Brooklyn, NY 11210 Full Service B&M $226,399
    HSBC Bank Usa, National Association 15602 Aguilar Avenue Flushing, NY 11367 Full Service B&M $78,390
    HSBC Bank Usa, National Association 1572 Union Turnpike New Hyde Park, NY 11040 Full Service B&M $218,186
    HSBC Bank Usa, National Association 15946 Redmond Way, Suite 101 Redmond, WA 98052 Full Service B&M $141,141
    HSBC Bank Usa, National Association 16311 Ventura Boulevard Encino, CA 91436 Full Service B&M $213,842
    HSBC Bank Usa, National Association 1700 Diagonal Road Alexandria, VA 22314 Full Service B&M $51,116
    HSBC Bank Usa, National Association 1702 Avenue U New York City, NY 11229 Full Service B&M $452,520
    HSBC Bank Usa, National Association 174 Montague Street Brooklyn, NY 11201 Full Service B&M $320,182
    HSBC Bank Usa, National Association 1756 Crosby Avenue Bronx, NY 10461 Full Service B&M $144,747
    HSBC Bank Usa, National Association 1800 Tysons Blvd, Suite 50 Tysons, VA 22102 Full Service B&M $329,564
    HSBC Bank Usa, National Association 1819 Route 27 Edison, NJ 8817 Full Service B&M $282,882
    HSBC Bank Usa, National Association 18250 Colima Road Rowland Heights, CA 91748 Full Service B&M $426,282
    HSBC Bank Usa, National Association 186 East 86th Street New York City, NY 10028 Full Service B&M $345,879
    HSBC Bank Usa, National Association 19 Southgate Avenue Daly City, CA 94015 Full Service B&M $79,069
    HSBC Bank Usa, National Association 196 Bellevue Way Ne Bellevue, WA 98004 Full Service B&M $367,929
    HSBC Bank Usa, National Association 19900 Vallco Parkway Cupertino, CA 95014 Full Service B&M $28,243
    HSBC Bank Usa, National Association 200 East Middle Lane Rockville, MD 20850 Full Service B&M $145,083
    HSBC Bank Usa, National Association 20159 Rinaldi Street Porter Ranch, CA 91326 Full Service B&M $28,027
    HSBC Bank Usa, National Association 2063 Frederick Douglass Blvd New York, NY 10026 Full Service B&M $23,080
    HSBC Bank Usa, National Association 2085 Diamond Boulevard Concord, CA 94520 Full Service B&M $16,549
    HSBC Bank Usa, National Association 2145 Ralph Avenue Brooklyn, NY 11234 Full Service B&M $304,031
    HSBC Bank Usa, National Association 2151 Lemoine Avenue Fort Lee, NJ 7024 Full Service B&M $252,025
    HSBC Bank Usa, National Association 21842 Hawthorne Boulevard Torrance, CA 90503 Full Service B&M $206,984
    HSBC Bank Usa, National Association 2222 Ponce De Leon Boulevard, Suite 100 Coral Gables, FL 33134 Full Service B&M $2,220,354
    HSBC Bank Usa, National Association 2231 148th Ave Ne Bellevue, WA 98007 Full Service B&M $10,307
    HSBC Bank Usa, National Association 2257 Irving Street San Francisco, CA 94122 Full Service B&M $201,334
    HSBC Bank Usa, National Association 227 West Valley Boulevard San Gabriel, CA 91776 Full Service B&M $276,678
    HSBC Bank Usa, National Association 2301 86th Street New York City, NY 11214 Full Service B&M $325,685
    HSBC Bank Usa, National Association 23367 Mulholland Drive Woodland Hills, CA 91364 Full Service B&M $16,665
    HSBC Bank Usa, National Association 235 Canal Street New York, NY 10013 Full Service B&M $353,306
    HSBC Bank Usa, National Association 2398 Huntington Drive San Marino, CA 91108 Full Service B&M $213,567
    HSBC Bank Usa, National Association 2415 Queens Plz N Long Island City, NY 11101 Full Service B&M $13,785
    HSBC Bank Usa, National Association 248 Montauk Highway West Hampton Bays, NY 11946 Full Service B&M $118,252
    HSBC Bank Usa, National Association 250 Park Avenue New York, NY 10177 Full Service B&M $687,241
    HSBC Bank Usa, National Association 252 Bedford Avenue Brooklyn, NY 11211 Full Service B&M $79,759
    HSBC Bank Usa, National Association 252 West 57th Street New York, NY 10107 Full Service B&M $388,838
    HSBC Bank Usa, National Association 25715 Union Turnpike New York City, NY 11004 Full Service B&M $251,023
    HSBC Bank Usa, National Association 26 Broadway New York City, NY 10004 Full Service B&M $778,867
    HSBC Bank Usa, National Association 260 North Avenue New Rochelle, NY 10801 Full Service B&M $254,454
    HSBC Bank Usa, National Association 2630 77th Ave Se, Suite 110 Mercer Island, WA 98040 Full Service B&M $64,309
    HSBC Bank Usa, National Association 280 Marsh Avenue Staten Island, NY 10314 Full Service B&M $202,827
    HSBC Bank Usa, National Association 2911 Walden Avenue Depew, NY 14043 Full Service B&M $3,726,448
    HSBC Bank Usa, National Association 2950 Aventura Boulevard Aventura, FL 33180 Full Service B&M $257,762
    HSBC Bank Usa, National Association 300 Main Street Suite 1 East Setauket, NY 11733 Full Service B&M $367,824
    HSBC Bank Usa, National Association 301 Arthur Godfrey Road Miami Beach, FL 33140 Full Service B&M $2,830,575
    HSBC Bank Usa, National Association 302 Third Avenue New York, NY 10010 Full Service B&M $51,108
    HSBC Bank Usa, National Association 3130 Hempstead Turnpike Levittown, NY 11756 Full Service B&M $151,768
    HSBC Bank Usa, National Association 3225 Coronado Drive Santa Clara, CA 95054 Full Service B&M $8,213
    HSBC Bank Usa, National Association 325 Ninth Street New York City, NY 11215 Full Service B&M $59,942
    HSBC Bank Usa, National Association 330 Sunrise Highway Rockville Centre, NY 11570 Full Service B&M $175,947
    HSBC Bank Usa, National Association 3415 Francis Lewis Boulevard New York City, NY 11358 Full Service B&M $118,161
    HSBC Bank Usa, National Association 3478 Boston Road Bronx, NY 10469 Full Service B&M $161,150
    HSBC Bank Usa, National Association 350 East Las Olas Boulevard Fort Lauderdale, FL 33301 Full Service B&M $381,070
    HSBC Bank Usa, National Association 355 West Main Street Huntington, NY 11743 Full Service B&M $169,839
    HSBC Bank Usa, National Association 3615 Factoria Blvd Se Bellevue, WA 98006 Full Service B&M $12,287
    HSBC Bank Usa, National Association 3785 Wilshire Boulevard, Suite 8 Los Angeles, CA 90010 Full Service B&M $30,402
    HSBC Bank Usa, National Association 388 9th Street; Suite 121 Oakland, CA 94607 Full Service B&M $359,215
    HSBC Bank Usa, National Association 39 South El Camino Real Millbrae, CA 94030 Full Service B&M $146,507
    HSBC Bank Usa, National Association 3910 Main Street Flushing, NY 11354 Full Service B&M $609,982
    HSBC Bank Usa, National Association 39410 Fremont Boulevard Fremont, CA 94538 Full Service B&M $227,661
    HSBC Bank Usa, National Association 395 Portion Road Lake Ronkonkoma, NY 11779 Full Service B&M $106,495
    HSBC Bank Usa, National Association 4 Green Acres Common 4110, 260 West Sunrise Highway Valley Stream, NY 11581 Full Service B&M $274,302
    HSBC Bank Usa, National Association 4040 Veterans Memorial Highway Bohemia, NY 11716 Full Service B&M $133,907
    HSBC Bank Usa, National Association 407 Main St. Chatham, NJ 7928 Full Service B&M $1,596,571
    HSBC Bank Usa, National Association 4075 Wilson Blvd Arlington, VA 22203 Full Service B&M $52,717
    HSBC Bank Usa, National Association 4090 Nw 97th Avenue Miami, FL 33178 Full Service B&M $96,631
    HSBC Bank Usa, National Association 4211 Rosewood Drive Pleasanton, CA 94588 Full Service B&M $43,687
    HSBC Bank Usa, National Association 430 East Main Street Bay Shore, NY 11706 Full Service B&M $98,085
    HSBC Bank Usa, National Association 445 North Bedford Drive Beverly Hills, CA 90210 Full Service B&M $317,424
    HSBC Bank Usa, National Association 449 South Broadway Yonkers, NY 10705 Full Service B&M $88,177
    HSBC Bank Usa, National Association 452 Fifth Avenue New York City, NY 10018 Full Service B&M $100,387,970
    HSBC Bank Usa, National Association 462 East 17th Street Costa Mesa, CA 92627 Full Service B&M $37,710
    HSBC Bank Usa, National Association 46750 Mission Boulevard Fremont, CA 94539 Full Service B&M $141,831
    HSBC Bank Usa, National Association 500 Folsom St, Unit 117 San Francisco, CA 94105 Full Service B&M $11,673
    HSBC Bank Usa, National Association 505 N. Brand Boulevard, Suite 100 Glendale, CA 91203 Full Service B&M $81,722
    HSBC Bank Usa, National Association 5120 Northern Boulevard Woodside, NY 11377 Full Service B&M $172,804
    HSBC Bank Usa, National Association 515 North Grand Avenue, Suite I Walnut, CA 91789 Full Service B&M $138,247
    HSBC Bank Usa, National Association 518 Fashion Avenue New York, NY 10018 Full Service B&M $304,404
    HSBC Bank Usa, National Association 5200 Lankershim Boulevard North Hollywood, CA 91601 Full Service B&M $11,268
    HSBC Bank Usa, National Association 523 Union St. Seattle, WA 98101 Full Service B&M $1,072,391
    HSBC Bank Usa, National Association 534 Broadhollow Road Melville, NY 11747 Full Service B&M $700,628
    HSBC Bank Usa, National Association 567 University Avenue Palo Alto, CA 94301 Full Service B&M $234,514
    HSBC Bank Usa, National Association 569 West 235th Bronx, NY 10463 Full Service B&M $78,383
    HSBC Bank Usa, National Association 57 Middle Neck Road Great Neck, NY 11023 Full Service B&M $361,541
    HSBC Bank Usa, National Association 58 Bowery New York City, NY 10013 Full Service B&M $820,490
    HSBC Bank Usa, National Association 5880 Jericho Turnpike Commack, NY 11725 Full Service B&M $147,563
    HSBC Bank Usa, National Association 590 West Main Street Alhambra, CA 91801 Full Service B&M $90,305
    HSBC Bank Usa, National Association 601 Montgomery Street San Francisco, CA 94111 Full Service B&M $8,034,403
    HSBC Bank Usa, National Association 603 E. Calaveras Boulevard Milpitas, CA 95035 Full Service B&M $378,953
    HSBC Bank Usa, National Association 603 Jericho Turnpike Syosset, NY 11791 Full Service B&M $213,133
    HSBC Bank Usa, National Association 6102 - 6106 Eighth Avenue Brooklyn, NY 11220 Full Service B&M $219,187
    HSBC Bank Usa, National Association 617 Third Avenue New York, NY 10158 Full Service B&M $288,169
    HSBC Bank Usa, National Association 637 North Broadway Los Angeles, CA 90012 Full Service B&M $46,442
    HSBC Bank Usa, National Association 778 Yonkers Avenue Yonkers, NY 10704 Full Service B&M $292,860
    HSBC Bank Usa, National Association 80 Eighth Avenue New York City, NY 10011 Full Service B&M $384,006
    HSBC Bank Usa, National Association 800 6th Av New York, NY 10001 Full Service B&M $117,421
    HSBC Bank Usa, National Association 802 7th Street, Nw Washington, DC 20001 Full Service B&M $17,416
    HSBC Bank Usa, National Association 8100 Transit Road Amherst, NY 14221 Full Service B&M $53,295
    HSBC Bank Usa, National Association 813 Cherry Avenue San Bruno, CA 94066 Full Service B&M $13,797
    HSBC Bank Usa, National Association 8252 Georgia Avenue Silver Spring, MD 20910 Full Service B&M $17,513
    HSBC Bank Usa, National Association 857 East Gate Blvd Garden City, NY 11530 Full Service B&M $133,635
    HSBC Bank Usa, National Association 8703 Queens Boulevard Elmhurst, NY 11373 Full Service B&M $473,927
    HSBC Bank Usa, National Association 89 River Drive Jersey City, NJ 7310 Full Service B&M $308,230
    HSBC Bank Usa, National Association 901 Central Park Avenue Scarsdale, NY 10583 Full Service B&M $294,615
    HSBC Bank Usa, National Association 9201 Third Avenue New York City, NY 11209 Full Service B&M $243,742
    HSBC Bank Usa, National Association 933 Grant Avenue San Francisco, CA 94108 Full Service B&M $89,869
    HSBC Bank Usa, National Association 9601 Las Tunas Drive Temple City, CA 91780 Full Service B&M $135,796
    HSBC Bank Usa, National Association One East Fordham Rd Bronx, NY 10468 Full Service B&M $46,256
    HSBC Bank Usa, National Association 1 East Third Avenue, Suite 101 San Mateo, CA 94401 Full Service B&M $172,855
    HSBC Bank Usa, National Association 1 South Market St San Jose, CA 95113 Full Service B&M $17,959
    HSBC Bank Usa, National Association 101 Delancey St New York, NY 10002 Full Service B&M $11,102
    HSBC Bank Usa, National Association 10113 River Road Potomac, MD 20854 Full Service B&M $117,778
    HSBC Bank Usa, National Association 1027 Arch Street Philadelphia, PA 19107 Full Service B&M $347,287
    HSBC Bank Usa, National Association 1055 East Colorado Boulevard Pasadena, CA 91106 Full Service B&M $111,677
    HSBC Bank Usa, National Association 107-19 Continental Avenue Forest Hills, NY 11375 Full Service B&M $311,948
    HSBC Bank Usa, National Association 10745 S De Anza Boulevard Cupertino, CA 95014 Full Service B&M $369,187
    HSBC Bank Usa, National Association 11 East Houston Street New York, NY 10012 Full Service B&M $212,025
    HSBC Bank Usa, National Association 110 West Broadway New York City, NY 10013 Full Service B&M $307,826
    HSBC Bank Usa, National Association 6420 East Pacific Coast Highway Long Beach, CA 90803 Full Service B&M $129,305
    HSBC Bank Usa, National Association 67 Purchase Street Rye, NY 10580 Full Service B&M $298,588
    HSBC Bank Usa, National Association 6702 Bay Parkway New York City, NY 11204 Full Service B&M $475,101
    HSBC Bank Usa, National Association 682-684 Dogwood Avenue Franklin Square, NY 11010 Full Service B&M $165,951
    HSBC Bank Usa, National Association 721 Amsterdam Avenue New York, NY 10025 Full Service B&M $263,350
    HSBC Bank Usa, National Association 725 South Figueroa Street Los Angeles, CA 90017 Full Service B&M $3,994,526
    HSBC Bank Usa, National Association 74 Pondfield Road Bronxville, NY 10708 Full Service B&M $175,392
    HSBC Bank Usa, National Association 7637 Old Georgetown Road Bethesda, MD 20814 Full Service B&M $191,542

    For 2021, Hsbc Bank Usa National Association had 147 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $2,667,920
    Net interest income $2,215,675
    Total noninterest income $1,102,190
    Gross Fiduciary activities income $78,116
    Service charges on deposit accounts $155,866
    Trading account gains and fees $28,738
    Additional Noninterest Income $839,470
    Pre-tax net operating income $1,004,942
    Securities gains (or losses, -) $65,822
    Income before extraordinary items $813,286
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $813,286
    Minority interest net income $7
    Net income $813,279
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $761,286

    Hsbc Bank Usa National Association's gross interest income from loans was $2,667,920,000.
    Hsbc Bank Usa National Association's net interest income from loans was $2,215,675,000.
    Hsbc Bank Usa National Association's fee based income from loans was $155,866,000.
    Hsbc Bank Usa National Association's net income from loans was $813,279,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $452,245
    Provision for credit losses $-571,135
    Total noninterest expense $2,884,058
    Salaries and employee benefits $626,373
    Premises and equipment expense $262,535
    Additional noninterest expense $1,995,150
    Applicable income taxes $257,478
    Net charge-offs $131,248
    Cash dividends $101,542

    Hsbc Bank Usa National Association's interest expense for loans was $452,245,000.
    Hsbc Bank Usa National Association's payroll and benefits expense were $626,373,000.
    Hsbc Bank Usa National Association's property, plant and equipment expenses $262,535,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 2.0%
    Real Estate loans 4.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 4.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 5.0%
    HELOC loans 7.0%
    All other family 5.0%
    Commercial & industrial loans 0.0%
    Personal loans 2.0%
    Credit card loans 2.3%
    Other individual loans 1.0%
    Auto loans 0.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $156,006,270
    Deposits held in domestic offices $151,179,446
    Deposits by Individuals, partnerships, and corporations $140,758,995
    Deposits by U.S. Government $121
    Deposits by States and political subdivisions in the U.S. $296,916
    Deposits by Commercial banks and other depository institutions in U.S. $745,587
    Deposits by Banks in foreign countries $7,651,051
    Deposits by Foreign governments and official institutions $1,726,776
    Transaction accounts $53,522,981
    Demand deposits $35,726,149
    Nontransaction accounts $97,656,465
    Money market deposit accounts (MMDAs) $27,937,023
    Other savings deposits (excluding MMDAs) $59,680,014
    Total time deposits $10,039,428
    Total time and savings deposits $115,453,297
    Noninterest-bearing deposits $48,505,087
    Interest-bearing deposits $102,674,359
    Retail deposits $128,657,444
    IRAs and Keogh plan accounts $0
    Brokered deposits $18,508,409
    Deposits held in foreign offices $4,826,824

    Assets

    Asset Value (in 000's)
    Total Assets $187,956,756
    Cash & Balances due from depository institutions $48,271,638
    Interest-bearing balances $47,318,049
    Total securities $40,637,279
    Federal funds sold & reverse repurchase $10,513,912
    Net loans and leases $58,512,624
    Loan and leases loss allowance $446,619
    Trading account assets $24,096,246
    Bank premises and fixed assets $221,363
    Other real estate owned $1,994
    Goodwill and other intangibles $475,368
    All other assets $5,226,332

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $187,956,756
    Total Liabilities $167,338,672
    Total deposits $156,006,270
    Interest-bearing deposits $107,501,182
    Deposits held in domestic offices $151,179,446
    % insured (estimated) $34
    Federal funds purchased and repurchase agreements $2,321,451
    Trading liabilities $3,024,501
    Other borrowed funds $1,870,682
    Subordinated debt $1,644,999
    All other liabilities $2,470,769

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $58,512,624
    Loan and leases loss allowance $446,619
    Total loans and leases (domestic) $58,959,243
    All real estate loans $25,612,688
    Real estate loans in domestic offices $25,612,688
    Construction and development loans $1,535,501
    Residential 1-4 family construction $0
    Other construction, all land development and other land $1,535,501
    Loans secured by nonfarm nonresidential properties $3,226,610
    Nonfarm nonresidential secured by owner-occupied properties $500,368
    Commercial real estate & other non-farm, non-residential $2,726,242
    Multifamily residential real estate $1,693,594
    1-4 family residential loans $19,156,983
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $47,420
    Commercial and industrial loans $22,065,750
    To non-U.S. addressees $2,755,808
    Loans to individuals $640,306
    Credit card loans $399,075
    Related Plans $76,414
    Consumer Auto Loans $0
    Other loans to individuals $164,817
    All other loans & leases $10,593,078
    Loans to foreign governments and official institutions $28,121
    Other loans $10,234,170
    Loans to depository institutions and acceptances of other banks $330,787
    Loans not secured by real estate $269,864
    Loans secured by real estate to non-U.S. addressees $1,348,505
    Restructured Loans & leases $385,415
    Non 1-4 family restructured loans & leases $5,032
    Total loans and leases (foreign) $1

    HSBC BANK USA NATIONAL ASSOCIATION had $58,512,624,000 of loans outstanding in 2021. $25,612,688,000 of loans were in real estate loans. $1,535,501,000 of loans were in development loans. $1,693,594,000 of loans were in multifamily mortgage loans. $19,156,983,000 of loans were in 1-4 family mortgage loans. $47,420,000 of loans were in farm loans. $399,075,000 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 83 $20,458 $246,482
    Nonfarm, nonresidential loans - <$100k 3 $88 $29,333
    Nonfarm, nonresidential loans - $100-250k 12 $795 $66,250
    Nonfarm, nonresidential loans - $250k-1MM 68 $19,575 $287,868
    Commercial & Industrial, US addressed loans - <$1MM 2,872 $350,216 $121,942
    Commercial & Industrial, US addressed loans - <$100k 1,592 $59,766 $37,541
    Commercial & Industrial, US addressed loans - $100-250k 660 $83,104 $125,915
    Commercial & Industrial, US addressed loans - $250k-1MM 620 $207,346 $334,429
    Agriculture operations loans - <$1MM 1 $39 $39,000
    Agriculture operations loans - <$100k 1 $39 $39,000