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HSBC BANK USA, NATIONAL ASSOCIATION
Bank|MCLEAN, VA|National
Loans Originated
2,840
Applications
4,086
Volume
$3 billion
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards💎Jumbo Champion⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.177%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
-$857
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
69.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 17.70 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Report Card
HSBC BANK USA, NATIONAL ASSOCIATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 24 metro areas · 42 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$1,233,077
Average Borrower Income
$456,174
Average Property Value
$1,826,535
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Sound | 1,323 | 46.6% | -0.114% | -$301 |
Jumbo Loans | Exceptional | Exceptional | Exceptional | Strong | 1,517 | 53.4% | -0.238% | -$1,405 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Strong | Strong | 2,475 | 87.1% | -0.166% | -$485 |
Refinance | Strong | Strong | Strong | Sound | 365 | 12.9% | -0.253% | -$3,592 |
Geographic Coverage
Metro Areas
23
States Served
42
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTDCDEFLGAHIIAILKSKYLAMAMDMEMIMNMOMTNCNENJNMNVNYOHORPARISCTNTXUTVAVTWAWIWY
Top Metro Areas by Place Specialization Score
1
San Jose, CAMSA
Volume: 874Mix: 30.77%
Place Specialization
Exceptional
2
San Francisco, CAMSA
Volume: 283Mix: 9.96%
Place Specialization
Exceptional
3
Seattle, WAMSA
Volume: 284Mix: 10.00%
Place Specialization
Exceptional
4
Oakland, CAMSA
Volume: 235Mix: 8.27%
Place Specialization
Exceptional
5
New York, NY-NJMSA
Volume: 363Mix: 12.78%
Place Specialization
Strong
6
Everett, WA, WAMSA
Volume: 55Mix: 1.94%
Place Specialization
Strong
7
Los Angeles, CAMSA
Volume: 94Mix: 3.31%
Place Specialization
Strong
8
Newark, NJ, NJMSA
Volume: 46Mix: 1.62%
Place Specialization
Sound
9
Anaheim, CAMSA
Volume: 33Mix: 1.16%
Place Specialization
Sound
10
Miami, FLMSA
Volume: 36Mix: 1.27%
Place Specialization
Sound
Showing 10 of 23 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 1,592Mix: 56.06%
Place Specialization
Exceptional
2
WAState
Volume: 348Mix: 12.25%
Place Specialization
Strong
3
NYState
Volume: 371Mix: 13.06%
Place Specialization
Strong
4
NJState
Volume: 126Mix: 4.44%
Place Specialization
Strong
5
FLState
Volume: 81Mix: 2.85%
Place Specialization
Sound
6
TXState
Volume: 69Mix: 2.43%
Place Specialization
Sound
7
CTState
Volume: 30Mix: 1.06%
Place Specialization
Sound
8
MAState
Volume: 28Mix: 0.99%
Place Specialization
Sound
9
VAState
Volume: 24Mix: 0.85%
Place Specialization
Sound
10
ILState
Volume: 19Mix: 0.67%
Place Specialization
Sound
Showing 10 of 15 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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