Hsbc Bank Usa National Association Mortgage Rates, Fees & Info
MCLEAN, ILLEI: 1IE8VN30JCEQV1H4R804
Tax ID: 20-1177241
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
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% | 4/28/24 |
| 30 Year Conventional Purchase | 5.82% | 4/28/24 |
| 30 Year Conventional Refi | 5.81% | 4/28/24 |
| 30 Year Cash-out Refi | 6.02% | 4/28/24 |
| 30 Year FHA Purchase | 6.27% | 4/28/24 |
| 30 Year FHA Refi | 6.27% | 4/28/24 |
| 30 Year VA Purchase | 6.27% | 4/28/24 |
| 30 Year VA Refi | 6.27% | 4/28/24 |
| 15 Year Conventional Purchase | 5.47% | 4/28/24 |
| 15 Year Conventional Refi | 5.57% | 4/28/24 |
| 15 Year Cash-out Refi | 5.57% | 4/28/24 |
| 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
3,417Origination Dollar Volume (All Markets)
$4,068,395,000Awards
HSBC BANK USA NATIONAL ASSOCIATION - 2022
HSBC BANK USA NATIONAL ASSOCIATION is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
Work for HSBC BANK USA NATIONAL ASSOCIATION?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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% |
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.
Similarity Rank: 30
Similarity Rank: 30
Similarity Rank: 30
Similarity Rank: 50
Similarity Rank: 51
Similarity Rank: 54
Similarity Rank: 64
Similarity Rank: 76
Similarity Rank: 80
Similarity Rank: 84
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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications95.14%
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 origination75.07%
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
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% |