Hsbc Bank Usa National Association Mortgage Rates, Fees & Info
MCLEAN, ILLEI: 1IE8VN30JCEQV1H4R804
Tax ID: 20-1177241
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Mortgage Data
Review & Overview
Hsbc Bank Usa National Association is a small 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 Seattle among others. We have data for 151 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 relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 4.56% | 4/20/24 |
| 30 Year Conventional Purchase | 5.82% | 4/20/24 |
| 30 Year Conventional Refi | 5.81% | 4/20/24 |
| 30 Year Cash-out Refi | 6.02% | 4/20/24 |
| 30 Year FHA Purchase | 6.27% | 4/20/24 |
| 30 Year FHA Refi | 6.27% | 4/20/24 |
| 30 Year VA Purchase | 6.27% | 4/20/24 |
| 30 Year VA Refi | 6.27% | 4/20/24 |
| 15 Year Conventional Purchase | 5.47% | 4/20/24 |
| 15 Year Conventional Refi | 5.57% | 4/20/24 |
| 15 Year Cash-out Refi | 5.57% | 4/20/24 |
| 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
2,627Origination Dollar Volume (All Markets)
$2,850,525,000Awards
HSBC BANK USA NATIONAL ASSOCIATION - 2023
HSBC BANK USA NATIONAL ASSOCIATION is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Hsbc Bank Usa National Association's average 30 year fixed mortgage rate was
6.22%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.26%.
Relative Fees (Closing Costs)
Hsbc Bank Usa National Association's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,908.
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 $9,089.
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) | 694 | $722,230,000 | $1,040,677 | $6,686 | 6.15% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 427 | $613,395,000 | $1,436,522 | $5,352 | 6.08% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 234 | $335,630,000 | $1,434,316 | $10,317 | 6.21% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 308 | $333,700,000 | $1,083,442 | $7,248 | 6.22% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 166 | $164,460,000 | $990,723 | $6,150 | 6.19% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 98 | $149,090,000 | $1,521,327 | $11,662 | 6.37% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 43 | $76,645,000 | $1,782,442 | $9,575 | 6.39% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 30 | $35,980,000 | $1,199,333 | $10,889 | 6.15% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 49 | $35,405,000 | $722,551 | $6,783 | 6.33% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 22 | $30,710,000 | $1,395,909 | $10,536 | 6.03% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 27 | $25,515,000 | $945,000 | $6,403 | 6.24% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 37 | $22,565,000 | $609,865 | $6,389 | 6.29% |
| Glenwood Springs, CO (FHA|USDA|VA) | 2 | $19,240,000 | $9,620,000 | $0 | 6.34% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 29 | $17,845,000 | $615,345 | $7,738 | 6.57% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 23 | $13,245,000 | $575,870 | $7,817 | 6.34% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 30 | $11,380,000 | $379,333 | $6,324 | 6.50% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 18 | $10,970,000 | $609,444 | $7,707 | 6.21% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 21 | $10,755,000 | $512,143 | $6,691 | 6.35% |
| Hilo, HI (FHA|USDA|VA) | 1 | $9,875,000 | $9,875,000 | $18,998 | 5.99% |
| Outside of Metro Areas | 12 | $9,800,000 | $816,667 | $9,987 | 6.01% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 20 | $9,640,000 | $482,000 | $5,445 | 6.32% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $9,165,000 | $3,055,000 | $11,649 | 5.67% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 12 | $8,210,000 | $684,167 | $5,099 | 6.13% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $7,840,000 | $3,920,000 | $19,146 | 6.05% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 13 | $7,575,000 | $582,692 | $4,723 | 6.47% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 12 | $7,550,000 | $629,167 | $5,601 | 6.35% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 14 | $6,960,000 | $497,143 | $6,351 | 6.30% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 6 | $6,880,000 | $1,146,667 | $8,785 | 6.26% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 24 | $6,540,000 | $272,500 | $4,730 | 6.47% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 10 | $6,090,000 | $609,000 | $8,649 | 6.14% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 11 | $5,435,000 | $494,091 | $6,846 | 6.39% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 12 | $5,160,000 | $430,000 | $6,293 | 6.47% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 8 | $4,890,000 | $611,250 | $4,112 | 6.21% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 8 | $4,500,000 | $562,500 | $4,992 | 5.84% |
| Outside of Metro Areas | 2 | $4,100,000 | $2,050,000 | $8,761 | 7.30% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $4,010,000 | $668,333 | $5,796 | 5.94% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $3,640,000 | $910,000 | $8,340 | 5.99% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $3,605,000 | $3,605,000 | $17,638 | 5.48% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 6 | $3,570,000 | $595,000 | $6,868 | 6.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 7 | $2,745,000 | $392,143 | $4,360 | 5.99% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 5 | $2,545,000 | $509,000 | $4,919 | 6.41% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $2,480,000 | $1,240,000 | $4,475 | 6.31% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 2 | $2,480,000 | $1,240,000 | $7,588 | 6.51% |
| Heber, UT (FHA|USDA|VA) | 2 | $2,320,000 | $1,160,000 | $5,266 | 6.43% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $2,160,000 | $1,080,000 | $6,391 | 6.75% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $1,990,000 | $995,000 | $9,312 | 7.05% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 3 | $1,975,000 | $658,333 | $5,036 | 5.99% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $1,840,000 | $920,000 | $6,708 | 5.83% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $1,840,000 | $920,000 | $5,208 | 6.45% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $1,805,000 | $1,805,000 | $11,567 | 5.64% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $1,740,000 | $435,000 | $4,351 | 6.93% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $1,700,000 | $850,000 | $4,473 | 6.29% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $4,066 | 6.49% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 5 | $1,685,000 | $337,000 | $4,214 | 6.49% |
| Hudson, NY (FHA|USDA|VA) | 1 | $1,675,000 | $1,675,000 | $5,519 | 6.66% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $1,605,000 | $535,000 | $3,854 | 6.63% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $1,605,000 | $321,000 | $5,973 | 6.28% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $12,979 | 6.32% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $1,415,000 | $1,415,000 | $6,963 | 5.25% |
| Sonora, CA (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $5,852 | 5.99% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $7,898 | 6.54% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $6,101 | 5.98% |
| BEND, OR (FHA|USDA|VA) | 2 | $1,260,000 | $630,000 | $9,030 | 5.37% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $1,165,000 | $1,165,000 | $5,820 | 5.89% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $6,572 | 6.00% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $4,732 | 6.49% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $6,743 | 6.28% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $5,395 | 7.09% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $1,025,000 | $1,025,000 | $8,918 | 5.98% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $6,875 | 5.57% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $4,707 | 6.49% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $5,677 | 6.37% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $4,248 | 5.29% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $9,726 | 5.68% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $6,670 | 5.50% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $4,030 | 6.30% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $5,707 | 6.97% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $5,121 | 6.48% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $4,100 | 6.42% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $5,120 | 6.95% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $4,163 | 5.94% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,530 | 6.31% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,180 | 6.37% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $5,417 | 5.99% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $7,173 | 5.65% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $6,805 | 5.05% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $5,112 | 6.32% |
| ROCHESTER, NY (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $3,462 | 6.73% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $4,848 | 6.38% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $5,092 | 6.37% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $6,386 | 6.22% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,204 | 6.62% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,779 | 5.92% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,543 | 6.35% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,562 | 6.40% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $4,616 | 6.75% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,161 | 7.11% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 6.25% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,511 | 7.55% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 6.76% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,208 | 7.02% |
| RACINE, WI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,546 | 5.99% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,773 | 6.51% |
| Durango, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,385 | 5.99% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,916 | 7.57% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,322 | 5.87% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,942 | 6.02% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,323 | 7.51% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 6.01% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,757 | 6.75% |
| Centralia, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,389 | 7.36% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 7.05% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,872 | 7.12% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,823 | 6.56% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 6.79% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,216 | 5.48% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 6.17% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,735 | 7.15% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,389 | 7.17% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 6.88% |
| Elko, NV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,503 | 6.56% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,923 | 6.39% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 6.30% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,990 | 7.08% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,990 | 6.14% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,244 | 6.33% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,117 | 6.89% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,944 | 5.90% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,787 | 6.64% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,560 | 6.39% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,774 | 5.87% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,071 | 7.57% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 6.74% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,582 | 7.88% |
| Rutland, VT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,180 | 7.68% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,003 | 6.71% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,466 | 6.16% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.83% |
| Durant, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 5.90% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.99% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,631 | 6.91% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.13% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 7.68% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.38% |
| Oil City, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,061 | 7.50% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.49% |
| Torrington, CT (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.99% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.99% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,192 | 6.38% |
| PEORIA, IL (FHA|USDA|VA) | 3 | $75,000 | $25,000 | $0 | 8.48% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.74% |
Similar Lenders
We use machine learning to identify the top lenders compared against HSBC BANK USA NATIONAL ASSOCIATION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 2,269 | $2,706,445,000 | $1,192,792 | $6,939 | 6.14% |
| HELOC | 358 | $144,080,000 | $402,458 | n/a | 6.70% |
For 2023, Hsbc Bank Usa National Association's most frequently originated type of loan was Conventional, with 2,269 originations. Their 2nd most popular type was HELOC, with 358 originations.
Loan Reason
For 2023, Hsbc Bank Usa National Association's most frequently cited loan purpose was Home Purchase, with 2,142 originations. The 2nd most popular reason was Home Improvement, with 204 originations.
Loan Duration/Length
For 2023, Hsbc Bank Usa National Association's most frequently cited loan duration was 30 Year, with 2,599 originations. The 2nd most popular length was 15 Year, with 16 originations.
Origination Fees/Closing Costs
Hsbc Bank Usa National Association's average total fees were $6,908, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,824 originations.
Interest Rates
During 2023, Hsbc Bank Usa National Association's average interest rate for loans was 6.22%, while their most frequently originated rate bucket for loans was 6-7%, with 1,431 originations.
Loan Sizing
2023 saw Hsbc Bank Usa National Association place emphasis on $1MM+ loans with 988 originations, totaling $1,998,300,000 in origination value.
Applicant Income
Hsbc Bank Usa National Association lent most frequently to those with incomes in the $250k+ range, with 1,612 originations. The second most popular income band? $150k-250k, with 606 originations.
Applicant Debt to Income Ratio
Hsbc Bank Usa National Association lent most frequently to those with DTI ratios of 30-36%, with 411 originations. The next most common DTI ratio? 20-30%, with 388 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.44%
Hsbc Bank Usa National Association has an average approval rate.
Pick Rate
Approvals leading to origination73.92%
Hsbc Bank Usa National Association has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,627 | $2,850,525,000 | $1,085,088 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2,627 | $2,850,525,000 | $1,085,088 |