# HSBC BANK USA, NATIONAL ASSOCIATION

> **Canonical URL:** https://saferate.com/lenders/hsbc-bank-usa-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HSBC BANK USA, NATIONAL ASSOCIATION is a bank, headquartered in MCLEAN, VA, serving borrowers nationwide, with 2,840 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 36% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 1IE8VN30JCEQV1H4R804
- **Headquarters:** MCLEAN, VA
- **Geographic Reach:** National
- **States Served:** 42
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WY
- **Markets (MSAs):** 24
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.177%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-857
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,840
- **Dollar Volume:** $3.5 billion
- **Applications Received:** 4,086
- **Market Share:** 8.00%

## Typical Borrower Profile

- **Average Loan Amount:** $1,233,077
- **Average Borrower Income:** $456,174
- **Average Property Value:** $1,826,535

## Safe Rate Awards 🏆

- 💎 **Jumbo Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (77%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 74/100 | 1,323 | -0.114% | $-301 | Strong 😀 |
| Jumbo | 94/100 | 1,517 | -0.238% | $-1,405 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,196 loans, Score: 76/100 (Strong)
- Refinance: 127 loans, Score: 64/100 (Strong)

**Jumbo:**
- Purchase: 1,279 loans, Score: 94/100 (Exceptional)
- Refinance: 238 loans, Score: 91/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 2,475 | $3.0B | -0.166% | Exceptional 🤩 |
| Refinance | 76/100 | 365 | $516M | -0.253% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 1,592 | 0.56% | 83/100 |
| NY | 371 | 0.33% | 74/100 |
| WA | 348 | 0.41% | 77/100 |
| NJ | 126 | 0.15% | 65/100 |
| FL | 81 | 0.03% | 51/100 |
| TX | 69 | 0.02% | 50/100 |
| CT | 30 | 0.09% | 49/100 |
| MA | 28 | 0.05% | 47/100 |
| VA | 24 | 0.02% | 44/100 |
| GA | 19 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Jose | CA | 874 | 100/100 |
| New York | NY-NJ | 363 | 79/100 |
| Seattle | WA | 284 | 81/100 |
| San Francisco | CA | 283 | 92/100 |
| Oakland | CA | 235 | 80/100 |
| Los Angeles | CA | 94 | 62/100 |
| Everett, WA | WA | 55 | 65/100 |
| Newark, NJ | NJ | 46 | 59/100 |
| San Diego | CA | 37 | 53/100 |
| Miami | FL | 36 | 53/100 |
| Anaheim | CA | 33 | 53/100 |
| Nassau County | NY | 32 | 52/100 |
| Lakewood | NJ | 30 | 51/100 |
| Houston | TX | 26 | 45/100 |
| Bridgeport | CT | 25 | 53/100 |

## Where This Lender Ranks

HSBC BANK USA, NATIONAL ASSOCIATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in California Banks
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/banks)
- 🥉 **#3** in San Jose Banks
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/banks)
- 🥉 **#3** in Seattle Banks
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/banks)
- 🥉 **#3** in San Francisco Banks
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/banks)
- 🏆 **#4** in San Jose for Jumbo Loans
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in San Jose for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Washington for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Seattle
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders)
- 🏆 **#4** in Seattle for Jumbo Loans
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Seattle for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in San Francisco
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders)
- 🏆 **#4** in Oakland Banks
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/banks)
- 🏆 **#4** in Everett, WA Banks
  - [View Full Rankings](https://saferate.com/everett-wa/best-mortgage-lenders/banks)
- 🏆 **#4** in Everett, WA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/everett-wa/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in California
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders)
- 🏆 **#5** in California for Jumbo Loans
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/jumbo-loans)
- 🏆 **#5** in California for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in San Jose
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders)
- 🏆 **#5** in San Francisco for Jumbo Loans
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/jumbo-loans)
- 🏆 **#5** in San Francisco for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/banks/jumbo-loans)

## Frequently Asked Questions

### What loan types does HSBC BANK USA, NATIONAL ASSOCIATION offer?

HSBC BANK USA, NATIONAL ASSOCIATION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HSBC BANK USA, NATIONAL ASSOCIATION offer mortgages?

HSBC BANK USA, NATIONAL ASSOCIATION is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are HSBC BANK USA, NATIONAL ASSOCIATION's mortgage rates?

HSBC BANK USA, NATIONAL ASSOCIATION has a pricing score of 64/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.177% below market average.

### What type of lender is HSBC BANK USA, NATIONAL ASSOCIATION?

HSBC BANK USA, NATIONAL ASSOCIATION is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in MCLEAN, VA.

### What is HSBC BANK USA, NATIONAL ASSOCIATION's loan approval success rate?

HSBC BANK USA, NATIONAL ASSOCIATION has a pull-through score of 68/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/hsbc-bank-usa-national-association

### How to Cite

> "HSBC BANK USA, NATIONAL ASSOCIATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hsbc-bank-usa-national-association

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