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Hsbc Bank Usa, National Association

Bank•MCLEAN, VA•Direct to Consumer

We analyzed every closed loan from Hsbc Bank USA National Association — 2.8k loans across 4k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing
Strong
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
Conventional · Jumbo
Place
Sound
National · 23 mkts
Safe Rate Awards💎Jumbo Champion⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar

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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

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Report Card

Hsbc Bank Usa, National Association performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Highly Competitive
Rates 17.7 bps below market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
Jumbo
Exceptional
Market Leader
Top 10% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Market Leader
Top 20% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
National24 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Strong
Strong
Sound
1,32346.6%
-0.114%Below
$301Credit
Jumbo Loans
Exceptional
Exceptional
Exceptional
Strong
1,51753.4%
-0.238%Below
$1,405Credit

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Exceptional
Strong
Strong
2,47587.1%
-0.166%Below
$485Credit
Refinance
Strong
Strong
Strong
Sound
36512.9%
-0.253%Below
$3,592Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
2,840
Applications
4,086
Volume
$3 billion
Pricing & Closing
Avg Rate Spread
-0.177%
vs. market APOR
Avg Net Fees
$-857
Origination − Credits
Pullthrough Rate
69.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$1,233,077
Avg Borrower Income
$456,174
Avg Property Value
$1,826,535

Geographic Coverage

Geographic Performance

Metro Areas
23
States Served
42
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

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Top Metro Areas by Place Specialization Score

1
San Jose, CAMSA
Volume: 874Mix: 30.77%of portfolio
Place
Exceptional
2
San Francisco, CAMSA
Volume: 283Mix: 9.96%of portfolio
Place
Exceptional
3
Seattle, WAMSA
Volume: 284Mix: 10.00%of portfolio
Place
Exceptional
4
Oakland, CAMSA
Volume: 235Mix: 8.27%of portfolio
Place
Exceptional
5
New York, NY-NJMSA
Volume: 363Mix: 12.78%of portfolio
Place
Strong
6
Everett, WA, WAMSA
Volume: 55Mix: 1.94%of portfolio
Place
Strong
7
Los Angeles, CAMSA
Volume: 94Mix: 3.31%of portfolio
Place
Strong
8
Newark, NJ, NJMSA
Volume: 46Mix: 1.62%of portfolio
Place
Sound
9
Anaheim, CAMSA
Volume: 33Mix: 1.16%of portfolio
Place
Sound
10
Miami, FLMSA
Volume: 36Mix: 1.27%of portfolio
Place
Sound
Showing 10 of 23 metro areas

Top States by Place Specialization Score

1
CAState
Volume: 1,592Mix: 56.06%of portfolio
Place
Exceptional
2
WAState
Volume: 348Mix: 12.25%of portfolio
Place
Strong
3
NYState
Volume: 371Mix: 13.06%of portfolio
Place
Strong
4
NJState
Volume: 126Mix: 4.44%of portfolio
Place
Strong
5
FLState
Volume: 81Mix: 2.85%of portfolio
Place
Sound
6
TXState
Volume: 69Mix: 2.43%of portfolio
Place
Sound
7
CTState
Volume: 30Mix: 1.06%of portfolio
Place
Sound
8
MAState
Volume: 28Mix: 0.99%of portfolio
Place
Sound
9
VAState
Volume: 24Mix: 0.85%of portfolio
Place
Sound
10
ILState
Volume: 19Mix: 0.67%of portfolio
Place
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.