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

2021 Data | 2020 Data | 2019 Data | 2018 Data


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 include New York, San Jose, Los Angeles, San Francisco, and Miami among others. Hsbc Bank Usa National Association has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Hsbc Bank Usa National Association is typically a high fee lendor.


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 rate mortgage of loans were 2.72%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.43%.

Relative Fees

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

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

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.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 6,355 $5,856,155,000 $921,504 $5,886 2.69%
FHA 1 $25,000 $25,000 $0 7.50%

For the 2021 period, Hsbc Bank Usa National Association's most frequently originated loan type of loans were Conventional, with 6,355 originations. Their 2nd most popular type is FHA, with 1 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average 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 the 2021, Hsbc Bank Usa National Association's most frequently cited loan purpose of loans were Home Purchase, with 2,904 originations. The 2nd most popular reason of loans were 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 the 2021, Hsbc Bank Usa National Association's most frequently cited loan length of loans were 30 Year, with 5,463 originations. The 2nd most popular length of loans were 15 Year, with 675 originations.

Origination Fees

Origination Fee 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 305 $250,175,000 $820,246
$5k+ 136 $154,730,000 $1,137,721
$<1k 40 $19,170,000 $479,250

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

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 2,816 $2,332,340,000 $828,246
<2.5% 2,320 $2,663,500,000 $1,148,060
3-4% 1,142 $833,370,000 $729,746
4-5% 76 $26,870,000 $353,553
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 of loans were 2.72%, while their most frequently originated rate bucket of loans were 2.5-3%, with 2,816 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 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
92.00%

Hsbc Bank Usa National Association has an average approval rate.

Pick Rate

Approvals leading to origination
55.79%

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 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 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
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 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

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