HSBC Bank USA, N.A.: 2025 mortgage rates, costs & approvals
How HSBC Bank USA, N.A. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: HSBC BANK USA, NATIONAL ASSOCIATION · LEI 1IE8VN30JCEQV1H4R804
In 2025, HSBC Bank USA, N.A. originated 2,320 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 36 states — 245th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.414% (all lenders: 6.625%); its median rate spread was 18 basis points below the national median. Median conventional loan costs were $6,210, 11% higher than the national median ($5,570).
It denied 4.3% of completed home-purchase applications (all lenders: 8.5%).
How HSBC Bank USA, N.A. priced home-purchase loans
| Purchase loans, 2025 | HSBC Bank USA, N.A. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.414% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | −0.05 pts | +0.13 pts |
| Total loan costs · conventional | $6,210 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $1,480 | $1,860 |
| Borrowers paying discount points | 7.2% | 51.3% |
| Points paid, when paid (% of loan) | 0.15% | 0.87% |
| Borrowers receiving lender credits | 97.3% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why HSBC Bank USA, N.A. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where HSBC Bank USA, N.A. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 1,283 | 1,328 | 2.3% | 6.372% | $6,150 |
| New York | 333 | 387 | 10.3% | 6.383% | $6,150 |
| Washington | 325 | 330 | 0.8% | — | $5,950 |
| New Jersey | 85 | 94 | 8.2% | — | $7,220 |
| Florida | 66 | 77 | 12.9% | — | $9,660 |
| Texas | 48 | 52 | 6.0% | — | $8,440 |
| Connecticut | 29 | 29 | 0.0% | — | $9,270 |
| Illinois | 15 | 16 | — | — | — |
| Massachusetts | 15 | 16 | — | — | — |
| Maryland | 14 | 15 | — | — | — |
| Pennsylvania | 14 | 15 | — | — | — |
| North Carolina | 13 | 14 | — | — | — |
| Georgia | 10 | 11 | — | — | — |
| Tennessee | 10 | 11 | — | — | — |
| Virginia | 10 | 11 | — | — | — |
| Colorado | 9 | 10 | — | — | — |
| Arizona | 6 | 6 | — | — | — |
| South Carolina | 4 | 4 | — | — | — |
| Utah | 4 | 4 | — | — | — |
| District of Columbia | 3 | 3 | — | — | — |
| Oregon | 3 | 3 | — | — | — |
| Hawaii | 2 | 2 | — | — | — |
| Indiana | 2 | 2 | — | — | — |
| Louisiana | 2 | 2 | — | — | — |
| Michigan | 2 | 2 | — | — | — |
| Minnesota | 2 | 2 | — | — | — |
| New Hampshire | 2 | 2 | — | — | — |
| Arkansas | 1 | 1 | — | — | — |
| Kansas | 1 | 1 | — | — | — |
| Kentucky | 1 | 1 | — | — | — |
| Missouri | 1 | 1 | — | — | — |
| Montana | 1 | 1 | — | — | — |
| Nebraska | 1 | 1 | — | — | — |
| Nevada | 1 | 1 | — | — | — |
| Ohio | 1 | 1 | — | — | — |
| Wisconsin | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open HSBC Bank USA, N.A.'s page for that state.
Counties where HSBC Bank USA, N.A. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Santa Clara County, CA | 8 | 713 | 4.3% |
| New York County, NY | 10 | 123 | 2.4% |
| San Mateo County, CA | 8 | 143 | 2.4% |
| San Francisco County, CA | 16 | 78 | 1.5% |
| King County, WA | 23 | 284 | 1.1% |
| Alameda County, CA | 19 | 149 | 1.1% |
| Kings County, NY | 23 | 74 | 1.1% |
Check HSBC Bank USA, N.A. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 1IE8VN30JCEQV1H4R804.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from HSBC Bank USA, N.A. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology