Lender profile · HMDA 2023–2025
Hsbc Bank USA, N.A.tional Association mortgage approval rates & lending data
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.
Approval 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 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.