Lender in California · HMDA 2025
HSBC Bank USA, N.A. mortgages in California
HSBC Bank USA, N.A.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
HSBC Bank USA, N.A. originated 1,283 owner-occupied single-family loans in California from 1,328 completed applications.
Its median conventional purchase loan costs were $6,150 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.372% (California: 6.625%).
Loans in CA
1,283
of 1,328 applications
Denial rate
2.3%
Purchase · CA 8.9%
Rate spread
−0.05 pts
Conv. · CA +0.09 pts
Loan amount
$1,165,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,021 | 993 | 2.3% | 6.372% | −0.05 pts | $6,150 | $1,165,000 |
| Refinance | 285 | 273 | 3.5% | — | −0.06 pts | $4,510 | $1,325,000 |
| Cash-out refinance | 22 | 17 | 18.2% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
California counties where HSBC Bank USA, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Santa Clara County | 8 | 713 | 4.3% |
| San Mateo County | 8 | 143 | 2.4% |
| San Francisco County | 16 | 78 | 1.5% |
| Alameda County | 19 | 149 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology