Hsbc Bank Usa National Association Mortgage Rates, Fees & Info

MCLEAN, IL

LEI: 1IE8VN30JCEQV1H4R804

Tax ID: 20-1177241

5 stars - Updated: 3/4/24 - out of 5 stars, based on 58 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Hsbc Bank Usa National Association is a mid-sized bank specializing in Home Purchase loans. Hsbc Bank Usa National Association has a high proportion of conventional loans. Their top markets by origination volume include: New York, San Jose, Los Angeles, San Francisco, and Washington among others. We have data for 158 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) 4.56% 3/4/24
30 Year Conventional Purchase 5.82% 3/4/24
30 Year Conventional Refi 5.81% 3/4/24
30 Year Cash-out Refi 6.02% 3/4/24
30 Year FHA Purchase 6.27% 3/4/24
30 Year FHA Refi 6.27% 3/4/24
30 Year VA Purchase 6.27% 3/4/24
30 Year VA Refi 6.27% 3/4/24
15 Year Conventional Purchase 5.47% 3/4/24
15 Year Conventional Refi 5.57% 3/4/24
15 Year Cash-out Refi 5.57% 3/4/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Hsbc Bank Usa National Association Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Hsbc Bank Usa National Association. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

3,417

Origination Dollar Volume (All Markets)

$4,068,395,000
Show all (18) awards

Relative Rate

Hsbc Bank Usa National Association's average 30 year fixed mortgage rate was 3.91%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.85%.

Relative Fees (Closing Costs)

Hsbc Bank Usa National Association's average total fees/closing costs for a 30 year fixed rate mortgage were $6,927.

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) 1,184 $1,055,290,000 $891,292 $6,716 3.68%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 381 $630,085,000 $1,653,766 $5,875 3.62%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 309 $470,845,000 $1,523,770 $8,726 3.83%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 276 $313,440,000 $1,135,652 $6,725 3.66%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 60 $250,640,000 $4,177,333 $5,506 4.03%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 183 $215,455,000 $1,177,350 $9,900 4.03%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 135 $115,725,000 $857,222 $6,099 3.80%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 29 $97,255,000 $3,353,621 $5,708 3.77%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 8 $91,900,000 $11,487,500 $4,110 3.53%
ANN ARBOR, MI (FHA|USDA|VA) 1 $90,005,000 $90,005,000 $0 2.01%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 11 $70,915,000 $6,446,818 $4,309 4.47%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 41 $56,105,000 $1,368,415 $9,663 3.88%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 22 $54,330,000 $2,469,545 $5,291 3.88%
KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $50,715,000 $16,905,000 $5,089 3.58%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $47,505,000 $47,505,000 $0 2.69%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 46 $45,230,000 $983,261 $8,129 4.07%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $31,350,000 $7,837,500 $5,225 4.72%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 51 $28,805,000 $564,804 $6,837 4.00%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 33 $25,625,000 $776,515 $5,909 4.45%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 32 $21,520,000 $672,500 $7,684 4.40%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 21 $20,125,000 $958,333 $6,244 4.16%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 35 $19,235,000 $549,571 $7,111 4.68%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 70 $16,500,000 $235,714 $4,729 3.67%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 27 $15,795,000 $585,000 $8,174 4.25%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 31 $12,185,000 $393,065 $6,357 4.01%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 22 $11,840,000 $538,182 $5,773 4.22%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 14 $10,640,000 $760,000 $5,853 3.89%
Jackson, WY-ID (FHA|USDA|VA) 1 $9,605,000 $9,605,000 $33,983 3.64%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 21 $8,875,000 $422,619 $6,410 3.87%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 10 $7,700,000 $770,000 $7,679 4.09%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $7,630,000 $1,907,500 $7,476 3.19%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 14 $6,490,000 $463,571 $5,890 4.32%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 11 $6,325,000 $575,000 $5,274 5.05%
Heber, UT (FHA|USDA|VA) 5 $5,775,000 $1,155,000 $6,857 3.77%
Outside of Metro Areas 19 $5,475,000 $288,158 $3,869 4.67%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 13 $5,455,000 $419,615 $5,821 4.37%
URBAN HONOLULU, HI (FHA|USDA|VA) 4 $5,380,000 $1,345,000 $6,717 4.48%
Key West, FL (FHA|USDA|VA) 1 $5,005,000 $5,005,000 $31,406 5.54%
JACKSONVILLE, FL (FHA|USDA|VA) 11 $4,905,000 $445,909 $5,060 4.54%
RALEIGH-CARY, NC (FHA|USDA|VA) 11 $4,845,000 $440,455 $4,803 3.80%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 8 $4,720,000 $590,000 $4,579 4.68%
KINGSTON, NY (FHA|USDA|VA) 11 $4,635,000 $421,364 $5,378 3.46%
Edwards, CO (FHA|USDA|VA) 1 $4,555,000 $4,555,000 $16,230 2.94%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $4,075,000 $582,143 $7,528 4.17%
Durant, OK (FHA|USDA|VA) 22 $3,810,000 $173,182 $0 5.15%
Kapaa, HI (FHA|USDA|VA) 1 $3,625,000 $3,625,000 $10,589 4.29%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $3,550,000 $443,750 $6,726 4.27%
Vineyard Haven, MA (FHA|USDA|VA) 2 $2,890,000 $1,445,000 $9,062 3.79%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $2,890,000 $1,445,000 $8,350 3.19%
NAPA, CA (FHA|USDA|VA) 2 $2,820,000 $1,410,000 $6,755 3.70%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $2,475,000 $495,000 $4,456 3.92%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $2,400,000 $1,200,000 $5,418 4.61%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $2,325,000 $465,000 $5,647 4.41%
RICHMOND, VA (FHA|USDA|VA) 3 $2,195,000 $731,667 $4,871 4.17%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $2,130,000 $532,500 $7,472 5.38%
TUCSON, AZ (FHA|USDA|VA) 3 $1,985,000 $661,667 $6,360 4.90%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $1,790,000 $447,500 $7,332 4.40%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $1,700,000 $425,000 $4,725 4.20%
EAST STROUDSBURG, PA (FHA|USDA|VA) 7 $1,665,000 $237,857 $6,329 4.26%
Aberdeen, WA (FHA|USDA|VA) 2 $1,590,000 $795,000 $5,220 3.68%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $1,535,000 $511,667 $5,359 3.71%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $8,141 2.64%
Glenwood Springs, CO (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $0 3.75%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $1,465,000 $488,333 $4,833 5.51%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,435,000 $478,333 $5,485 4.57%
STOCKTON, CA (FHA|USDA|VA) 3 $1,435,000 $478,333 $6,048 3.88%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 5 $1,425,000 $285,000 $4,562 3.40%
PITTSBURGH, PA (FHA|USDA|VA) 4 $1,410,000 $352,500 $5,524 4.72%
ROCHESTER, NY (FHA|USDA|VA) 6 $1,320,000 $220,000 $6,620 3.19%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $1,305,000 $435,000 $6,070 3.55%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $1,290,000 $322,500 $5,037 5.23%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $6,482 3.22%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $1,195,000 $398,333 $3,752 4.19%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $1,130,000 $565,000 $0 3.50%
Oak Harbor, WA (FHA|USDA|VA) 1 $1,115,000 $1,115,000 $27,107 3.53%
COLUMBUS, OH (FHA|USDA|VA) 3 $1,115,000 $371,667 $3,944 3.62%
PITTSFIELD, MA (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $5,728 2.87%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $1,055,000 $351,667 $5,868 5.65%
BOISE CITY, ID (FHA|USDA|VA) 2 $1,000,000 $500,000 $4,825 2.46%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $995,000 $995,000 $0 3.21%
BOULDER, CO (FHA|USDA|VA) 2 $890,000 $445,000 $3,522 3.49%
FRESNO, CA (FHA|USDA|VA) 3 $875,000 $291,667 $0 4.65%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $870,000 $435,000 $4,269 4.67%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $865,000 $288,333 $4,212 4.68%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 4 $820,000 $205,000 $4,343 4.76%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $810,000 $405,000 $5,115 5.03%
VALLEJO, CA (FHA|USDA|VA) 2 $790,000 $395,000 $5,202 3.48%
Pullman, WA (FHA|USDA|VA) 2 $760,000 $380,000 $3,813 4.74%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $755,000 $755,000 $0 4.41%
WILMINGTON, NC (FHA|USDA|VA) 2 $730,000 $365,000 $3,590 4.81%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $705,000 $705,000 $0 3.68%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $680,000 $340,000 $6,884 5.26%
SYRACUSE, NY (FHA|USDA|VA) 2 $650,000 $325,000 $5,280 3.90%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $640,000 $320,000 $3,831 4.92%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $640,000 $320,000 $4,074 3.55%
PROVO-OREM, UT (FHA|USDA|VA) 1 $615,000 $615,000 $4,257 4.86%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $600,000 $300,000 $5,421 3.14%
COLUMBIA, SC (FHA|USDA|VA) 1 $595,000 $595,000 $6,369 3.50%
BEND, OR (FHA|USDA|VA) 1 $585,000 $585,000 $3,521 5.51%
MADISON, WI (FHA|USDA|VA) 1 $575,000 $575,000 $4,671 6.29%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $565,000 $565,000 $4,346 4.75%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $565,000 $565,000 $3,756 5.13%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $565,000 $565,000 $4,004 2.99%
YUMA, AZ (FHA|USDA|VA) 1 $545,000 $545,000 $5,272 4.99%
Keene, NH (FHA|USDA|VA) 1 $515,000 $515,000 $4,811 4.30%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $505,000 $505,000 $6,737 4.13%
Ellensburg, WA (FHA|USDA|VA) 2 $500,000 $250,000 $5,524 5.19%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $480,000 $240,000 $3,630 3.62%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $465,000 $465,000 $3,810 4.25%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $460,000 $230,000 $4,399 3.30%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $455,000 $455,000 $2,735 5.83%
FORT WAYNE, IN (FHA|USDA|VA) 1 $435,000 $435,000 $2,528 6.05%
CORVALLIS, OR (FHA|USDA|VA) 1 $435,000 $435,000 $5,385 4.49%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $415,000 $415,000 $4,469 3.25%
Torrington, CT (FHA|USDA|VA) 1 $405,000 $405,000 $6,213 5.23%
ASHEVILLE, NC (FHA|USDA|VA) 1 $395,000 $395,000 $4,035 5.95%
TULSA, OK (FHA|USDA|VA) 2 $380,000 $190,000 $4,418 4.70%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $370,000 $185,000 $0 4.52%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $365,000 $365,000 $5,174 3.05%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $365,000 $365,000 $3,533 5.07%
GAINESVILLE, FL (FHA|USDA|VA) 1 $365,000 $365,000 $5,362 3.63%
DOVER, DE (FHA|USDA|VA) 1 $355,000 $355,000 $3,772 4.31%
KNOXVILLE, TN (FHA|USDA|VA) 2 $350,000 $175,000 $0 5.13%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $345,000 $115,000 $0 6.13%
LOUISVILLE, KY (FHA|USDA|VA) 1 $345,000 $345,000 $0 4.82%
Yankton, SD (FHA|USDA|VA) 1 $325,000 $325,000 $3,246 4.55%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $325,000 $325,000 $4,392 5.08%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $315,000 $315,000 $4,084 5.23%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $310,000 $155,000 $2,706 4.80%
SALINAS, CA (FHA|USDA|VA) 1 $305,000 $305,000 $4,493 5.57%
Rutland, VT (FHA|USDA|VA) 1 $305,000 $305,000 $4,957 6.10%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $300,000 $150,000 $6,141 4.91%
WICHITA, KS (FHA|USDA|VA) 1 $295,000 $295,000 $2,285 3.25%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $285,000 $285,000 $4,471 5.08%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.88%
Outside of Metro Areas 1 $265,000 $265,000 $0 4.87%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $255,000 $255,000 $3,465 2.50%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.99%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.14%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $245,000 $245,000 $3,703 2.63%
Jefferson, GA (FHA|USDA|VA) 1 $215,000 $215,000 $0 2.87%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.30%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.67%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.10%
HINESVILLE, GA (FHA|USDA|VA) 1 $195,000 $195,000 $3,544 5.19%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.67%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.04%
Gloversville, NY (FHA|USDA|VA) 1 $165,000 $165,000 $3,494 5.63%
TYLER, TX (FHA|USDA|VA) 1 $155,000 $155,000 $5,372 3.88%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.50%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $145,000 $145,000 $3,139 7.18%
Paducah, KY-IL (FHA|USDA|VA) 1 $135,000 $135,000 $4,029 4.25%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,475 2.25%
Statesboro, GA (FHA|USDA|VA) 1 $125,000 $125,000 $2,762 2.75%
BINGHAMTON, NY (FHA|USDA|VA) 1 $115,000 $115,000 $4,663 2.88%
UTICA-ROME, NY (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.25%
AKRON, OH (FHA|USDA|VA) 1 $85,000 $85,000 $3,531 5.75%
Orangeburg, SC (FHA|USDA|VA) 1 $65,000 $65,000 $4,648 5.13%
Hsbc Bank Usa National Association's top markets include New York, San Jose, Los Angeles, San Francisco, and Washington among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,950 $3,925,890,000 $1,330,810 $6,783 3.94%
    HELOC 467 $142,505,000 $305,150 n/a 3.28%

    For 2022, Hsbc Bank Usa National Association's most frequently originated type of loan was Conventional, with 2,950 originations. Their 2nd most popular type was HELOC, with 467 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,293 $2,942,445,000 $1,283,229 $6,906 4.10%
    Cash Out Refi 325 $570,785,000 $1,756,262 $5,998 3.29%
    Home Improvement 308 $92,690,000 $300,942 $4,806 3.33%
    Refi 297 $311,925,000 $1,050,253 $6,350 3.22%
    Other 194 $150,550,000 $776,031 $8,231 3.57%

    For 2022, Hsbc Bank Usa National Association's most frequently cited loan purpose was Home Purchase, with 2,293 originations. The 2nd most popular reason was Cash Out Refi, with 325 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,207 $3,120,145,000 $972,917 $6,927 3.91%
    15 Year 162 $57,470,000 $354,753 $5,014 2.80%
    20 Year 20 $7,830,000 $391,500 $5,228 3.52%
    Other 18 $565,260,000 $31,403,333 $5,466 3.45%
    5 Year 5 $282,075,000 $56,415,000 $6,767 2.30%
    10 Year 4 $5,610,000 $1,402,500 $3,337 2.66%
    3 Year 1 $30,005,000 $30,005,000 $0 2.00%

    For 2022, Hsbc Bank Usa National Association's most frequently cited loan duration was 30 Year, with 3,207 originations. The 2nd most popular length was 15 Year, with 162 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,972 $2,199,600,000 $1,115,416
    $2k-3k 186 $111,130,000 $597,473
    $5k+ 122 $167,760,000 $1,375,082
    $3k-4k 104 $90,880,000 $873,846
    $4k-5k 71 $67,605,000 $952,183
    $<1k 43 $16,015,000 $372,442

    Hsbc Bank Usa National Association's average total fees were $6,927, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,972 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 966 $1,412,240,000 $1,461,946
    4-5% 852 $831,760,000 $976,244
    2.5-3% 555 $729,705,000 $1,314,784
    5-6% 506 $414,510,000 $819,190
    <2.5% 439 $625,625,000 $1,425,114
    6-7% 82 $41,350,000 $504,268
    % 13 $12,225,000 $940,385
    7-8% 4 $980,000 $245,000

    During 2022, Hsbc Bank Usa National Association's average interest rate for loans was 3.91%, while their most frequently originated rate bucket for loans was 3-4%, with 966 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 1,053 $3,010,275,000 $2,858,761 $8,624 3.64%
    $200k-400k 733 $208,965,000 $285,082 $4,989 3.81%
    $600k-1MM 663 $513,015,000 $773,778 $6,622 4.10%
    $400k-600k 568 $285,320,000 $502,324 $5,862 4.10%
    $100k-200k 302 $44,310,000 $146,722 $4,051 3.74%
    $100,000 or less 98 $6,510,000 $66,429 $3,706 3.41%

    2022 saw Hsbc Bank Usa National Association place emphasis on $1MM+ loans with 1,053 originations, totaling $3,010,275,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 1,615 $2,226,475,000 $1,378,622 $8,164 3.82%
    $150k-250k 897 $544,385,000 $606,895 $5,995 3.94%
    $100k-150k 400 $161,420,000 $403,550 $5,394 3.92%
    $75k-100k 148 $47,920,000 $323,784 $5,471 3.81%
    $50k-75k 112 $23,270,000 $207,768 $4,739 3.86%
    $50k or less 31 $15,845,000 $511,129 $5,087 3.88%

    Hsbc Bank Usa National Association lent most frequently to those with incomes in the $250k+ range, with 1,615 originations. The second most popular income band? $150k-250k, with 897 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 694 $573,690,000 $826,643 $6,473 3.85%
    30-36% 572 $470,710,000 $822,920 $6,551 3.82%
    <20% 276 $236,970,000 $858,587 $6,791 3.69%
    49% 154 $149,860,000 $973,117 $6,836 3.94%
    44% 153 $131,955,000 $862,451 $6,972 3.84%
    50-60% 144 $220,540,000 $1,531,528 $7,618 4.12%
    43% 131 $122,135,000 $932,328 $6,657 4.00%
    42% 129 $127,895,000 $991,434 $7,050 3.84%
    37% 122 $100,620,000 $824,754 $7,095 3.78%
    39% 121 $94,305,000 $779,380 $7,123 3.75%
    41% 120 $110,870,000 $923,917 $6,422 3.86%
    40% 120 $97,910,000 $815,917 $7,520 3.88%
    46% 116 $131,530,000 $1,133,879 $6,663 3.85%
    36% 106 $80,090,000 $755,566 $5,793 3.69%
    38% 105 $93,355,000 $889,095 $7,501 3.86%
    48% 102 $115,200,000 $1,129,412 $5,899 3.81%
    45% 101 $97,695,000 $967,277 $7,332 4.01%
    47% 93 $123,075,000 $1,323,387 $7,780 4.06%
    >60% 5 $14,995,000 $2,999,000 $15,852 3.28%

    Hsbc Bank Usa National Association lent most frequently to those with DTI ratios of 20-30%, with 694 originations. The next most common DTI ratio? 30-36%, with 572 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 1,636 $1,560,350,000 $953,759 $7,039 3.89%
    Not applicable 53 $974,995,000 $18,396,132 $9,398 3.42%
    Asian 863 $936,885,000 $1,085,614 $6,316 3.76%
    White 778 $560,330,000 $720,219 $6,775 3.89%
    Black 76 $28,700,000 $377,632 $6,200 3.70%
    Asian Indian 7 $5,135,000 $733,571 $5,383 3.88%
    Chinese 2 $1,440,000 $720,000 $4,860 3.05%
    Native Hawaiian or Islander 1 $475,000 $475,000 $5,697 3.00%
    Other Pacific Islander 1 $85,000 $85,000 $0 3.24%

    Approval Rates

    Total approvals of all applications
    95.14%

    Hsbc Bank Usa National Association has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    75.07%

    Hsbc Bank Usa National Association has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,417 $4,068,395,000 $1,190,634

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,417 $4,068,395,000 $1,190,634

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 280 $156,660,000 $559,500 $5,779 3.47%
    40-60% 508 $998,310,000 $1,965,177 $6,433 3.75%
    60-80% 1,625 $2,045,355,000 $1,258,680 $6,931 4.02%
    80-100% 635 $786,175,000 $1,238,071 $6,985 3.99%
    Under 20% 369 $81,895,000 $221,938 $5,201 3.28%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    HSBC NORTH AMERICA HOLDINGS INC. Conventional home mortgage Trouble during payment process 1 100.0%