Hsbc Bank Usa National Association Mortgage Rates, Fees & Info
MCLEAN, ILLEI: 1IE8VN30JCEQV1H4R804
Tax ID: 20-1177241
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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 a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.43% | 4/5/25 |
| 30 Year Conventional Purchase | 6.54% | 4/5/25 |
| 30 Year Conventional Refi | 6.44% | 4/5/25 |
| 30 Year Cash-out Refi | 6.48% | 4/5/25 |
| 15 Year Conventional Purchase | 6.33% | 4/5/25 |
| 15 Year Conventional Refi | 5.93% | 4/5/25 |
| 15 Year Cash-out Refi | 5.93% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Hsbc Bank Usa National Association Mortgage Calculator
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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
6,356Origination Dollar Volume (All Markets)
$5,856,180,000Employee count
3,236Awards
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HSBC BANK USA NATIONAL ASSOCIATION - 2021
HSBC BANK USA NATIONAL ASSOCIATION is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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% |
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 | 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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications92.59%
Hsbc Bank Usa National Association has an average approval rate.
Pick Rate
Approvals leading to origination60.05%
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
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 | 15946 Redmond Way, Suite 101 Redmond, WA 98052 | Full Service B&M | $141,141 |
| HSBC Bank Usa, National Association | 1 City Place White Plains, NY 10601 | Limited, Drive-thru | $156,824 |
| 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 | 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 | 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 | 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 |
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 |