Hsbc Bank USA, N.A.tional Association mortgage approval rate & lending review
Hsbc Bank USA, N.A.tional Association decided 9,758 mortgage applications and funded 8,909 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Hsbc Bank USA, N.A.tional Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Hsbc Bank USA, N.A.tional Association at a glance
Approval is 8.8 points above the 83.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 6,220 / 6,473 | 99% | $1.12M | 6,171 |
| Home improvement loans | 79% | 461 / 586 | 95% | $235K | 440 |
| Cash-out refinance | 75% | 295 / 391 | 97% | $495K | 285 |
| Refinance | 95% | 785 / 827 | 100% | $1.41M | 782 |
| Investment property purchase | 88% | 936 / 1,069 | 99% | $825K | 930 |
| Investment cash-out refinance | 75% | 68 / 91 | 96% | $1M | 65 |
| Investment refinance | 82% | 141 / 171 | 99% | $935K | 139 |
| Investment home improvement | 66% | 99 / 150 | 98% | $255K | 97 |
Hsbc Bank USA, N.A.tional Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 96% | $1.32M | 4,686 | 4,451 |
| New York | 87% | $885K | 1,887 | 1,611 |
| Washington | 97% | $1.12M | 928 | 902 |
| Florida | 81% | $945K | 505 | 405 |
| New Jersey | 88% | $755K | 484 | 422 |
| Texas | 90% | $865K | 244 | 218 |
| Illinois | 89% | $665K | 105 | 92 |
| Massachusetts | 92% | $935K | 92 | 82 |
| Connecticut | 88% | $1.34M | 91 | 79 |
| Pennsylvania | 93% | $585K | 82 | 75 |
| Georgia | 87% | $585K | 79 | 68 |
| Virginia | 91% | $1M | 74 | 67 |
| North Carolina | 87% | $605K | 70 | 58 |
| Arizona | 83% | $465K | 58 | 48 |
| Maryland | 85% | $645K | 54 | 44 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Hsbc Bank USA, N.A.tional Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Santa Clara County, CA | Mortgage lenders | 99% | 1,660 | 1,641 |
| King County, WA | Mortgage lenders | 99% | 594 | 587 |
| New York County, NY | Mortgage lenders | 91% | 466 | 414 |
| San Mateo County, CA | Mortgage lenders | 99% | 381 | 376 |
| Alameda County, CA | Mortgage lenders | 99% | 373 | 367 |
| Santa Clara County, CA | Refinance | 99% | 359 | 355 |
| Kings County, NY | Mortgage lenders | 95% | 270 | 250 |
| San Francisco County, CA | Mortgage lenders | 98% | 195 | 190 |
| Westchester County, NY | Mortgage lenders | 97% | 129 | 124 |
| Queens County, NY | Mortgage lenders | 89% | 135 | 118 |
| Santa Clara County, CA | Investment property purchase | 96% | 113 | 108 |
| New York County, NY | Investment property purchase | 87% | 126 | 108 |
The county markets where Hsbc Bank USA, N.A.tional Association made the most loans. Each link opens that market with every lender ranked.
Questions about Hsbc Bank USA, N.A.tional Association
What is Hsbc Bank USA, N.A.tional Association's mortgage approval rate?
Hsbc Bank USA, N.A.tional Association approved 92.3% of the 9,758 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.8 points above the 83.5% national rate for the same mix of loan types.
How often do borrowers take the loan Hsbc Bank USA, N.A.tional Association offers?
Borrowers accepted 99% of the loans Hsbc Bank USA, N.A.tional Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Hsbc Bank USA, N.A.tional Association make?
The typical home purchase mortgage loan Hsbc Bank USA, N.A.tional Association made was $1.12M; across all loan types its typical loan ran from $235K to $1.41M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Hsbc Bank USA, N.A.tional Association lend?
Hsbc Bank USA, N.A.tional Association decided applications in 45 of the states Fat Boy Data covers, most of them in California, New York and Washington.
Can I apply to Hsbc Bank USA, N.A.tional Association directly?
Yes. Hsbc Bank USA, N.A.tional Association is a bank or credit union with 22 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Hsbc Bank USA, N.A.tional Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Hsbc Bank USA, N.A.tional Association treats applications, then get a rate quote from the lender.