HSBC Bank USA, NA Mortgage Lending & HMDA Data, 2005

In 2005, HSBC Bank USA, NA of Buffalo, NY reported 48,739 mortgage applications totaling $10.6 billion, down 51% from 2004. The average application was for $217,211, and applicants reported an average income of $19,565. 4% of its applications resulted in an originated loan and 2% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (3,193), Los Angeles-Long Beach-Glendale, CA (2,269) and Buffalo-Niagara Falls, NY (1,734) (applications in parentheses).

Mortgage Company & Address HSBC Bank USA, NA
1 HSBC Center - 24th Floor
Buffalo, NY 14203
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  
Total Number of Mortgage Applications 48,739
Total Mortgage Loan Application Amount $10,586,680,000
Average Mortgage Loan Application Amount $217,211
Highest Mortgage Loan Application Amount $61,000,000
Average Applicant Income $19,565
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records HSBC Bank USA, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for HSBC Bank USA, NA by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 2,269 $ 735,995,000 $ 324,369 $ 111,000
Erie, New York 1,415 $ 83,768,000 $ 59,200 $ 32,000
Maricopa, Arizona 1,000 $ 224,779,000 $ 224,779 $ 11,000
Riverside, California 877 $ 247,359,000 $ 282,051 $ 7,000
Queens, New York 868 $ 249,451,000 $ 287,385 $ 39,000
Cook, Illinois 865 $ 182,552,000 $ 211,042 $ 0
San Bernardino, California 836 $ 217,625,000 $ 260,316 $ 0
Monroe, New York 829 $ 42,182,000 $ 50,882 $ 33,000
Miami-Dade, Florida 822 $ 263,076,000 $ 320,043 $ 544,000
Kings, New York 730 $ 180,809,000 $ 247,683 $ 55,000
Suffolk, New York 720 $ 167,352,000 $ 232,433 $ 247,000
Clark, Nevada 641 $ 369,349,000 $ 576,207 $ 0
San Diego, California 614 $ 205,589,000 $ 334,835 $ 0
Santa Clara, California 586 $ 238,077,000 $ 406,274 $ 0
Orange, California 513 $ 199,073,000 $ 388,056 $ 17,000
Broward, Florida 505 $ 170,823,000 $ 338,263 $ 55,000
Nassau, New York 487 $ 127,852,000 $ 262,529 $ 52,000
Westchester, New York 486 $ 117,422,000 $ 241,609 $ 117,000
Alameda, California 473 $ 183,873,000 $ 388,737 $ 0
Sacramento, California 442 $ 121,905,000 $ 275,803 $ 0
Bronx, New York 395 $ 65,257,000 $ 165,207 $ 39,000
King, Washington 392 $ 124,662,000 $ 318,015 $ 0
Palm Beach, Florida 347 $ 73,813,000 $ 212,717 $ 42,000
Niagara, New York 319 $ 14,882,000 $ 46,652 $ 34,000
Onondaga, New York 302 $ 12,604,000 $ 41,735 $ 38,000
Wayne, Michigan 300 $ 40,092,000 $ 133,640 $ 0
New York, New York 297 $ 213,005,000 $ 717,188 $ 235,000
San Joaquin, California 291 $ 85,932,000 $ 295,298 $ 0
Contra Costa, California 283 $ 112,748,000 $ 398,402 $ 0
Prince George's, Maryland 281 $ 62,519,000 $ 222,487 $ 24,000
Fairfax, Virginia 273 $ 99,091,000 $ 362,970 $ 0
Orange, Florida 245 $ 43,614,000 $ 178,016 $ 17,000
Hillsborough, Florida 243 $ 37,586,000 $ 154,674 $ 28,000
Harris, Texas 243 $ 30,903,000 $ 127,172 $ 0
Middlesex, Massachusetts 227 $ 72,891,000 $ 321,105 $ 41,000
Dallas, Texas 225 $ 30,460,000 $ 135,377 $ 0
Worcester, Massachusetts 210 $ 44,671,000 $ 212,719 $ 0
Philadelphia, Pennsylvania 209 $ 25,789,000 $ 123,392 $ 23,000
Oakland, Michigan 206 $ 48,746,000 $ 236,631 $ 0
Fairfield, Connecticut 201 $ 80,125,000 $ 398,631 $ 69,000
Kern, California 200 $ 39,357,000 $ 196,785 $ 241,000
Montgomery, Maryland 198 $ 70,692,000 $ 357,030 $ 26,000
Rockland, New York 197 $ 39,472,000 $ 200,365 $ 61,000
Albany, New York 193 $ 21,422,000 $ 110,994 $ 31,000
Pinellas, Florida 190 $ 52,183,000 $ 274,647 $ 6,000
Essex, Massachusetts 185 $ 52,341,000 $ 282,924 $ 119,000
Snohomish, Washington 184 $ 41,477,000 $ 225,418 $ 15,000
Lee, Florida 181 $ 35,365,000 $ 195,386 $ 0
Pierce, Washington 181 $ 31,814,000 $ 175,767 $ 0
Richmond, New York 180 $ 41,459,000 $ 230,327 $ 38,000
Loudoun, Virginia 175 $ 69,914,000 $ 399,508 $ 0
Stanislaus, California 171 $ 46,409,000 $ 271,397 $ 0
Prince William, Virginia 169 $ 45,795,000 $ 270,976 $ 0
Providence, Rhode Island 168 $ 37,693,000 $ 224,363 $ 0
Fresno, California 160 $ 33,944,000 $ 212,150 $ 0
Ventura, California 160 $ 62,126,000 $ 388,287 $ 20,000
Oneida, New York 159 $ 4,028,000 $ 25,333 $ 35,000
Plymouth, Massachusetts 157 $ 49,204,000 $ 313,401 $ 0
Solano, California 156 $ 53,314,000 $ 341,756 $ 0
Orange, New York 156 $ 30,476,000 $ 195,358 $ 229,000
Tarrant, Texas 154 $ 17,467,000 $ 113,422 $ 0
Mecklenburg, North Carolina 153 $ 34,348,000 $ 224,496 $ 0
New Haven, Connecticut 152 $ 29,968,000 $ 197,157 $ 16,000
Honolulu, Hawaii 150 $ 50,769,000 $ 338,460 $ 0
San Mateo, California 147 $ 69,818,000 $ 474,952 $ 3,000
Bergen, New Jersey 145 $ 89,946,000 $ 620,317 $ 49,000
Suffolk, Massachusetts 144 $ 45,406,000 $ 315,319 $ 333,000
DuPage, Illinois 143 $ 31,520,000 $ 220,419 $ 0
Salt Lake, Utah 143 $ 21,800,000 $ 152,447 $ 0
Hartford, Connecticut 140 $ 24,764,000 $ 176,885 $ 34,000
San Francisco, California 138 $ 69,766,000 $ 505,550 $ 0
Pima, Arizona 136 $ 22,762,000 $ 167,367 $ 0
Duval, Florida 136 $ 18,366,000 $ 135,044 $ 5,000
Pasco, Florida 134 $ 20,345,000 $ 151,828 $ 0
Will, Illinois 134 $ 22,416,000 $ 167,283 $ 0
Anne Arundel, Maryland 133 $ 39,320,000 $ 295,639 $ 0
Shelby, Tennessee 131 $ 16,114,000 $ 123,007 $ 0
Hennepin, Minnesota 130 $ 28,760,000 $ 221,230 $ 0
Chautauqua, New York 129 $ 4,890,000 $ 37,906 $ 26,000
Wayne, New York 129 $ 5,533,000 $ 42,891 $ 38,000
Fulton, Georgia 128 $ 30,578,000 $ 238,890 $ 0
Broome, New York 128 $ 6,043,000 $ 47,210 $ 34,000
Volusia, Florida 127 $ 19,401,000 $ 152,763 $ 5,000
Norfolk, Massachusetts 127 $ 40,901,000 $ 322,055 $ 141,000
Dutchess, New York 127 $ 27,599,000 $ 217,314 $ 63,000
Franklin, Ohio 121 $ 14,827,000 $ 122,537 $ 0
Denver, Colorado 119 $ 21,192,000 $ 178,084 $ 0
Marion, Indiana 118 $ 13,195,000 $ 111,822 $ 0
Saratoga, New York 115 $ 13,548,000 $ 117,808 $ 34,000
Rensselaer, New York 114 $ 8,553,000 $ 75,026 $ 30,000
Jefferson, New York 112 $ 2,558,000 $ 22,839 $ 52,000
Hamilton, Ohio 108 $ 12,443,000 $ 115,212 $ 0
Schenectady, New York 107 $ 10,019,000 $ 93,635 $ 35,000
Macomb, Michigan 106 $ 16,199,000 $ 152,820 $ 0
Bristol, Massachusetts 105 $ 23,513,000 $ 223,933 $ 0
St. Louis, Missouri 104 $ 17,956,000 $ 172,653 $ 3,000
El Paso, Colorado 102 $ 17,989,000 $ 176,362 $ 10,000
Osceola, Florida 102 $ 17,782,000 $ 174,333 $ 0
Monterey, California 101 $ 39,174,000 $ 387,861 $ 0
District of Columbia, District Of Columbia 100 $ 40,569,000 $ 405,690 $ 17,000
Middlesex, New Jersey 100 $ 26,773,000 $ 267,730 $ 11,000
Milwaukee, Wisconsin 100 $ 12,961,000 $ 129,610 $ 0
Polk, Florida 99 $ 13,412,000 $ 135,474 $ 0
Baltimore, Maryland 98 $ 18,048,000 $ 184,163 $ 30,000
Washoe, Nevada 98 $ 24,134,000 $ 246,265 $ 0
Multnomah, Oregon 98 $ 17,365,000 $ 177,193 $ 0
Hudson, New Jersey 97 $ 26,208,000 $ 270,185 $ 46,000
Lake, Illinois 95 $ 21,472,000 $ 226,021 $ 0
Ocean, New Jersey 95 $ 22,789,000 $ 239,884 $ 0
Livingston, New York 94 $ 7,831,000 $ 83,308 $ 27,000
Montgomery, Pennsylvania 94 $ 20,208,000 $ 214,978 $ 0
Clark, Washington 93 $ 17,633,000 $ 189,602 $ 0
Orleans, New York 92 $ 1,502,000 $ 16,326 $ 32,000
Arapahoe, Colorado 91 $ 19,002,000 $ 208,813 $ 0
Ontario, New York 91 $ 4,377,000 $ 48,098 $ 35,000
Bexar, Texas 91 $ 14,347,000 $ 157,659 $ 0
Brevard, Florida 90 $ 15,041,000 $ 167,122 $ 0
Collier, Florida 89 $ 28,547,000 $ 320,752 $ 0
Cuyahoga, Ohio 89 $ 10,474,000 $ 117,685 $ 0
DeKalb, Georgia 87 $ 12,498,000 $ 143,655 $ 0
Adams, Colorado 86 $ 13,475,000 $ 156,686 $ 0
Gwinnett, Georgia 84 $ 15,195,000 $ 180,892 $ 0
Barnstable, Massachusetts 84 $ 25,196,000 $ 299,952 $ 0
Essex, New Jersey 81 $ 23,662,000 $ 292,123 $ 391,000
Collin, Texas 81 $ 13,903,000 $ 171,641 $ 0
Placer, California 79 $ 27,602,000 $ 349,392 $ 0
Seminole, Florida 79 $ 13,796,000 $ 174,632 $ 0
St. Lucie, Florida 79 $ 14,630,000 $ 185,189 $ 168,000
Merced, California 77 $ 18,823,000 $ 244,454 $ 0
Camden, New Jersey 77 $ 13,022,000 $ 169,116 $ 10,000
Cobb, Georgia 76 $ 13,931,000 $ 183,302 $ 0
Monmouth, New Jersey 76 $ 25,166,000 $ 331,131 $ 60,000
Davidson, Tennessee 76 $ 9,951,000 $ 130,934 $ 0
Sonoma, California 75 $ 28,970,000 $ 386,266 $ 0
Hampden, Massachusetts 75 $ 10,238,000 $ 136,506 $ 0
Tulare, California 74 $ 11,668,000 $ 157,675 $ 5,000
Sarasota, Florida 74 $ 13,939,000 $ 188,364 $ 0
Union, New Jersey 74 $ 21,651,000 $ 292,581 $ 28,000
Pinal, Arizona 73 $ 12,980,000 $ 177,808 $ 0
Jefferson, Colorado 73 $ 13,187,000 $ 180,643 $ 0
Oswego, New York 73 $ 1,775,000 $ 24,315 $ 33,000
Virginia Beach, Virginia 73 $ 13,493,000 $ 184,835 $ 0
Kent, Michigan 72 $ 8,622,000 $ 119,750 $ 0
Baltimore City, Maryland 71 $ 7,690,000 $ 108,309 $ 0
Washington, Oregon 71 $ 12,384,000 $ 174,422 $ 0
Spokane, Washington 71 $ 8,567,000 $ 120,661 $ 0
Kane, Illinois 69 $ 10,101,000 $ 146,391 $ 0
Delaware, Pennsylvania 68 $ 8,390,000 $ 123,382 $ 43,000
El Paso, Texas 66 $ 6,122,000 $ 92,757 $ 0
Burlington, New Jersey 65 $ 12,772,000 $ 196,492 $ 17,000
Lane, Oregon 65 $ 8,796,000 $ 135,323 $ 0
Chemung, New York 64 $ 1,790,000 $ 27,968 $ 26,000
Travis, Texas 64 $ 11,678,000 $ 182,468 $ 0
Cayuga, New York 63 $ 1,386,000 $ 22,000 $ 49,000
Allegheny, Pennsylvania 63 $ 9,859,000 $ 156,492 $ 0
Imperial, California 62 $ 9,537,000 $ 153,822 $ 0
New Castle, Delaware 62 $ 10,859,000 $ 175,145 $ 22,000
Jackson, Missouri 62 $ 6,550,000 $ 105,645 $ 0
Anoka, Minnesota 61 $ 11,615,000 $ 190,409 $ 0
Passaic, New Jersey 61 $ 16,887,000 $ 276,836 $ 33,000
Chesterfield, Virginia 60 $ 9,849,000 $ 164,150 $ 0
Genesee, Michigan 59 $ 8,441,000 $ 143,067 $ 0
Franklin, New York 59 $ 1,791,000 $ 30,355 $ 46,000
Bucks, Pennsylvania 58 $ 13,581,000 $ 234,155 $ 18,000
New London, Connecticut 57 $ 10,359,000 $ 181,736 $ 0
Hillsborough, New Hampshire 57 $ 13,479,000 $ 236,473 $ 0
Clinton, New York 57 $ 3,490,000 $ 61,228 $ 20,000
Weld, Colorado 56 $ 10,300,000 $ 183,928 $ 2,000
Wake, North Carolina 56 $ 12,728,000 $ 227,285 $ 9,000
Denton, Texas 56 $ 8,421,000 $ 150,375 $ 0
Marion, Florida 55 $ 7,346,000 $ 133,563 $ 9,000
McHenry, Illinois 55 $ 9,736,000 $ 177,018 $ 0
Montgomery, Ohio 55 $ 6,214,000 $ 112,981 $ 0
Summit, Ohio 54 $ 6,936,000 $ 128,444 $ 0
Johnson, Kansas 53 $ 7,870,000 $ 148,490 $ 0
Charles, Maryland 52 $ 13,675,000 $ 262,980 $ 0
Rockingham, New Hampshire 52 $ 11,536,000 $ 221,846 $ 0
Genesee, New York 52 $ 1,480,000 $ 28,461 $ 32,000
Fort Bend, Texas 52 $ 6,994,000 $ 134,500 $ 0
Santa Barbara, California 51 $ 18,444,000 $ 361,647 $ 0
Ulster, New York 51 $ 8,683,000 $ 170,254 $ 27,000
St. Lawrence, New York 50 $ 1,227,000 $ 24,540 $ 19,000
Butler, Ohio 50 $ 6,615,000 $ 132,300 $ 0
Charleston, South Carolina 50 $ 13,411,000 $ 268,220 $ 0
Utah, Utah 50 $ 6,394,000 $ 127,880 $ 0
Frederick, Maryland 49 $ 12,757,000 $ 260,346 $ 0
Dakota, Minnesota 49 $ 9,233,000 $ 188,428 $ 0
Marion, Oregon 49 $ 6,941,000 $ 141,653 $ 0
Santa Cruz, California 48 $ 23,708,000 $ 493,916 $ 0
Jefferson, Kentucky 48 $ 5,737,000 $ 119,520 $ 0
Union, North Carolina 48 $ 8,232,000 $ 171,500 $ 0
Monroe, Pennsylvania 48 $ 7,756,000 $ 161,583 $ 31,000
Beaufort, South Carolina 48 $ 12,853,000 $ 267,770 $ 0
Clackamas, Oregon 47 $ 10,908,000 $ 232,085 $ 0
Jefferson, Alabama 45 $ 6,233,000 $ 138,511 $ 0
Cumberland, Maine 45 $ 9,251,000 $ 205,577 $ 0
Morris, New Jersey 45 $ 14,850,000 $ 330,000 $ 43,000
Stark, Ohio 45 $ 4,776,000 $ 106,133 $ 0
Yavapai, Arizona 44 $ 8,875,000 $ 201,704 $ 0
Pulaski, Arkansas 44 $ 6,362,000 $ 144,590 $ 0
Lake, Florida 44 $ 7,968,000 $ 181,090 $ 0
Howard, Maryland 44 $ 12,153,000 $ 276,204 $ 0
Atlantic, New Jersey 44 $ 8,853,000 $ 201,204 $ 15,000
Chester, Pennsylvania 44 $ 8,907,000 $ 202,431 $ 0
Kent, Rhode Island 44 $ 9,624,000 $ 218,727 $ 0
Knox, Tennessee 44 $ 4,737,000 $ 107,659 $ 0
Northampton, Pennsylvania 43 $ 6,058,000 $ 140,883 $ 0
Hidalgo, Texas 43 $ 5,176,000 $ 120,372 $ 0
Henrico, Virginia 43 $ 7,113,000 $ 165,418 $ 11,000
Clayton, Georgia 42 $ 4,166,000 $ 99,190 $ 0
Lake, Indiana 42 $ 4,697,000 $ 111,833 $ 0
Wyoming, New York 42 $ 1,372,000 $ 32,666 $ 28,000
Guilford, North Carolina 42 $ 7,483,000 $ 178,166 $ 0
Arlington, Virginia 42 $ 17,160,000 $ 408,571 $ 0
Ada, Idaho 41 $ 5,260,000 $ 128,292 $ 0
Bernalillo, New Mexico 41 $ 8,001,000 $ 195,146 $ 0
Lorain, Ohio 41 $ 4,622,000 $ 112,731 $ 0
Davis, Utah 41 $ 5,694,000 $ 138,878 $ 0
Hernando, Florida 40 $ 5,597,000 $ 139,925 $ 0
York, Maine 40 $ 7,115,000 $ 177,875 $ 20,000
Ingham, Michigan 40 $ 4,387,000 $ 109,675 $ 0
St. Charles, Missouri 40 $ 7,646,000 $ 191,150 $ 0
Cattaraugus, New York 40 $ 1,320,000 $ 33,000 $ 29,000
Putnam, New York 40 $ 7,670,000 $ 191,750 $ 28,000
Montgomery, Texas 40 $ 4,376,000 $ 109,400 $ 0
Kitsap, Washington 40 $ 7,787,000 $ 194,675 $ 0
Ramsey, Minnesota 39 $ 6,909,000 $ 177,153 $ 0
St. Louis City, Missouri 39 $ 3,874,000 $ 99,333 $ 0
El Dorado, California 38 $ 14,177,000 $ 373,078 $ 0
Gloucester, New Jersey 38 $ 6,544,000 $ 172,210 $ 0
Warren, Ohio 38 $ 6,369,000 $ 167,605 $ 0
Jackson, Oregon 38 $ 7,068,000 $ 186,000 $ 0
Pueblo, Colorado 37 $ 4,464,000 $ 120,648 $ 0
Clay, Florida 37 $ 5,916,000 $ 159,891 $ 0
Maui, Hawaii 37 $ 15,431,000 $ 417,054 $ 0
Tulsa, Oklahoma 37 $ 4,244,000 $ 114,702 $ 0
Polk, Iowa 36 $ 3,531,000 $ 98,083 $ 0
Harford, Maryland 36 $ 7,171,000 $ 199,194 $ 0
Sullivan, New York 36 $ 2,890,000 $ 80,277 $ 49,000
Lehigh, Pennsylvania 36 $ 4,764,000 $ 132,333 $ 0
York, Pennsylvania 36 $ 4,536,000 $ 126,000 $ 0
Stafford, Virginia 36 $ 9,462,000 $ 262,833 $ 0
Shasta, California 35 $ 7,634,000 $ 218,114 $ 0
Lucas, Ohio 35 $ 4,122,000 $ 117,771 $ 0
Mohave, Arizona 34 $ 6,174,000 $ 181,588 $ 0
San Luis Obispo, California 34 $ 11,499,000 $ 338,205 $ 0
Yolo, California 34 $ 9,836,000 $ 289,294 $ 0
Douglas, Colorado 34 $ 8,622,000 $ 253,588 $ 0
Windham, Connecticut 34 $ 5,211,000 $ 153,264 $ 0
Manatee, Florida 34 $ 7,241,000 $ 212,970 $ 0
Warren, New York 34 $ 3,142,000 $ 92,411 $ 7,000
Forsyth, North Carolina 34 $ 4,094,000 $ 120,411 $ 0
Oklahoma, Oklahoma 34 $ 3,722,000 $ 109,470 $ 0
Alexandria, Virginia 34 $ 10,582,000 $ 311,235 $ 80,000
Mobile, Alabama 33 $ 3,525,000 $ 106,818 $ 0
St. Joseph, Indiana 33 $ 3,172,000 $ 96,121 $ 0
Lancaster, Pennsylvania 33 $ 4,456,000 $ 135,030 $ 0
Marin, California 32 $ 16,807,000 $ 525,218 $ 0
Larimer, Colorado 32 $ 6,159,000 $ 192,468 $ 0
Flagler, Florida 32 $ 5,458,000 $ 170,562 $ 0
Deschutes, Oregon 32 $ 6,651,000 $ 207,843 $ 0
Richland, South Carolina 32 $ 3,880,000 $ 121,250 $ 0
Weber, Utah 32 $ 4,136,000 $ 129,250 $ 0
Yuba, California 31 $ 7,256,000 $ 234,064 $ 0
Boulder, Colorado 31 $ 9,814,000 $ 316,580 $ 0
Middlesex, Connecticut 31 $ 4,820,000 $ 155,483 $ 22,000
St. Johns, Florida 31 $ 8,510,000 $ 274,516 $ 0
Cherokee, Georgia 31 $ 6,253,000 $ 201,709 $ 0
Litchfield, Connecticut 30 $ 8,640,000 $ 288,000 $ 0
Escambia, Florida 30 $ 3,167,000 $ 105,566 $ 0
Winnebago, Illinois 30 $ 2,743,000 $ 91,433 $ 0
Allen, Indiana 30 $ 3,272,000 $ 109,066 $ 0
Sedgwick, Kansas 30 $ 2,298,000 $ 76,600 $ 0
Washtenaw, Michigan 30 $ 5,556,000 $ 185,200 $ 0
Delaware, Ohio 30 $ 6,791,000 $ 226,366 $ 0
York, South Carolina 30 $ 5,839,000 $ 194,633 $ 0
Hamilton, Tennessee 30 $ 3,440,000 $ 114,666 $ 0
Washington, Utah 30 $ 4,213,000 $ 140,433 $ 0
Chesapeake, Virginia 30 $ 5,146,000 $ 171,533 $ 31,000
Thurston, Washington 30 $ 4,984,000 $ 166,133 $ 0
Kenosha, Wisconsin 30 $ 5,349,000 $ 178,300 $ 0
Humboldt, California 29 $ 6,099,000 $ 210,310 $ 0
Washington, Minnesota 29 $ 5,806,000 $ 200,206 $ 0
Wright, Minnesota 29 $ 5,781,000 $ 199,344 $ 0
Rutherford, Tennessee 29 $ 3,619,000 $ 124,793 $ 0
Richmond City, Virginia 29 $ 3,690,000 $ 127,241 $ 0
Waukesha, Wisconsin 29 $ 5,789,000 $ 199,620 $ 0
Charlotte, Florida 28 $ 4,523,000 $ 161,535 $ 0
Leon, Florida 28 $ 4,714,000 $ 168,357 $ 0
Paulding, Georgia 28 $ 2,922,000 $ 104,357 $ 0
Hamilton, Indiana 28 $ 6,100,000 $ 217,857 $ 0
Mercer, New Jersey 28 $ 5,077,000 $ 181,321 $ 19,000
Newport News, Virginia 28 $ 4,306,000 $ 153,785 $ 0
Madera, California 27 $ 5,492,000 $ 203,407 $ 0
Henry, Georgia 27 $ 3,853,000 $ 142,703 $ 0
Fayette, Kentucky 27 $ 3,274,000 $ 121,259 $ 0
East Baton Rouge, Louisiana 27 $ 3,509,000 $ 129,962 $ 0
Jackson, Michigan 27 $ 3,300,000 $ 122,222 $ 0
Jefferson, Missouri 27 $ 3,334,000 $ 123,481 $ 0
Douglas, Nebraska 27 $ 3,774,000 $ 139,777 $ 0
Somerset, New Jersey 27 $ 9,533,000 $ 353,074 $ 0
Galveston, Texas 27 $ 3,059,000 $ 113,296 $ 0
Napa, California 26 $ 10,206,000 $ 392,538 $ 0
Sussex, Delaware 26 $ 6,266,000 $ 241,000 $ 12,000
Kendall, Illinois 26 $ 5,347,000 $ 205,653 $ 0
Madison, Illinois 26 $ 3,169,000 $ 121,884 $ 0
Lewis, New York 26 $ 635,000 $ 24,423 $ 26,000
Steuben, New York 26 $ 1,180,000 $ 45,384 $ 19,000
Washington, New York 26 $ 1,733,000 $ 66,653 $ 25,000
Brazoria, Texas 26 $ 3,064,000 $ 117,846 $ 0
Hawaii, Hawaii 25 $ 6,053,000 $ 242,120 $ 0
Kenton, Kentucky 25 $ 3,078,000 $ 123,120 $ 0
Calvert, Maryland 25 $ 8,778,000 $ 351,120 $ 0
Herkimer, New York 25 $ 732,000 $ 29,280 $ 38,000
Montgomery, New York 25 $ 1,878,000 $ 75,120 $ 9,000
Iredell, North Carolina 25 $ 9,099,000 $ 363,960 $ 0
Berks, Pennsylvania 25 $ 4,110,000 $ 164,400 $ 8,000
Luzerne, Pennsylvania 25 $ 2,214,000 $ 88,560 $ 9,000
Williamson, Texas 25 $ 2,931,000 $ 117,240 $ 0
Chittenden, Vermont 25 $ 5,168,000 $ 206,720 $ 0
Spotsylvania, Virginia 25 $ 6,004,000 $ 240,160 $ 0
Whatcom, Washington 25 $ 5,132,000 $ 205,280 $ 0
Butte, California 24 $ 5,395,000 $ 224,791 $ 0
Kootenai, Idaho 24 $ 4,216,000 $ 175,666 $ 0
Scott, Minnesota 24 $ 6,629,000 $ 276,208 $ 0
New Hanover, North Carolina 24 $ 5,769,000 $ 240,375 $ 0
Lake, Ohio 24 $ 3,081,000 $ 128,375 $ 0
Westmoreland, Pennsylvania 24 $ 3,856,000 $ 160,666 $ 0
Ellis, Texas 24 $ 2,327,000 $ 96,958 $ 0
Rock, Wisconsin 24 $ 2,493,000 $ 103,875 $ 0
Benton, Arkansas 23 $ 3,643,000 $ 158,391 $ 0
St. Clair, Illinois 23 $ 3,778,000 $ 164,260 $ 0
Elkhart, Indiana 23 $ 2,679,000 $ 116,478 $ 0
DeSoto, Mississippi 23 $ 3,394,000 $ 147,565 $ 0
Tompkins, New York 23 $ 1,177,000 $ 51,173 $ 61,000
Lexington, South Carolina 23 $ 3,337,000 $ 145,086 $ 0
Racine, Wisconsin 23 $ 4,017,000 $ 174,652 $ 0
Shelby, Alabama 22 $ 5,090,000 $ 231,363 $ 0
Anchorage, Alaska 22 $ 4,471,000 $ 203,227 $ 0
San Benito, California 22 $ 9,057,000 $ 411,681 $ 0
Chatham, Georgia 22 $ 3,174,000 $ 144,272 $ 0
Forsyth, Georgia 22 $ 5,354,000 $ 243,363 $ 0
Vanderburgh, Indiana 22 $ 2,261,000 $ 102,772 $ 0
Kalamazoo, Michigan 22 $ 3,992,000 $ 181,454 $ 0
Ottawa, Michigan 22 $ 2,678,000 $ 121,727 $ 0
St. Clair, Michigan 22 $ 3,457,000 $ 157,136 $ 0
Medina, Ohio 22 $ 3,131,000 $ 142,318 $ 0
Cleveland, Oklahoma 22 $ 2,076,000 $ 94,363 $ 0
Anderson, South Carolina 22 $ 2,142,000 $ 97,363 $ 0
Greenville, South Carolina 22 $ 2,819,000 $ 128,136 $ 0
Horry, South Carolina 22 $ 5,166,000 $ 234,818 $ 0
Kings, California 21 $ 3,471,000 $ 165,285 $ 0
Tolland, Connecticut 21 $ 4,111,000 $ 195,761 $ 14,000
Cass, Missouri 21 $ 2,966,000 $ 141,238 $ 0
Sussex, New Jersey 21 $ 5,069,000 $ 241,380 $ 0
Cortland, New York 21 $ 1,619,000 $ 77,095 $ 28,000
Yates, New York 21 $ 788,000 $ 37,523 $ 31,000
Clermont, Ohio 21 $ 3,309,000 $ 157,571 $ 0
Butler, Pennsylvania 21 $ 2,452,000 $ 116,761 $ 0
Dauphin, Pennsylvania 21 $ 2,147,000 $ 102,238 $ 0
Berkeley, South Carolina 21 $ 3,044,000 $ 144,952 $ 0
Norfolk, Virginia 21 $ 2,714,000 $ 129,238 $ 0
Rockdale, Georgia 20 $ 2,624,000 $ 131,200 $ 0
Porter, Indiana 20 $ 2,990,000 $ 149,500 $ 0
Wyandotte, Kansas 20 $ 1,708,000 $ 85,400 $ 0
Jefferson, Louisiana 20 $ 2,608,000 $ 130,400 $ 0
Penobscot, Maine 20 $ 2,414,000 $ 120,700 $ 0
Allegan, Michigan 20 $ 2,603,000 $ 130,150 $ 0
Madison, New York 20 $ 435,000 $ 21,750 $ 36,000
Tioga, New York 20 $ 921,000 $ 46,050 $ 16,000
Washington, Rhode Island 20 $ 5,318,000 $ 265,900 $ 0
Sheboygan, Wisconsin 20 $ 2,256,000 $ 112,800 $ 0
Bay, Florida 19 $ 2,537,000 $ 133,526 $ 0
Santa Rosa, Florida 19 $ 3,579,000 $ 188,368 $ 0
Canyon, Idaho 19 $ 2,404,000 $ 126,526 $ 0
Carroll, Maryland 19 $ 5,803,000 $ 305,421 $ 0
Berrien, Michigan 19 $ 2,347,000 $ 123,526 $ 0
Monroe, Michigan 19 $ 2,830,000 $ 148,947 $ 0
Muskegon, Michigan 19 $ 1,760,000 $ 92,631 $ 0
Clay, Missouri 19 $ 2,345,000 $ 123,421 $ 0
Greene, Missouri 19 $ 2,269,000 $ 119,421 $ 0
Merrimack, New Hampshire 19 $ 2,671,000 $ 140,578 $ 0
Columbia, New York 19 $ 2,631,000 $ 138,473 $ 39,000
Schuyler, New York 19 $ 303,000 $ 15,947 $ 31,000
Fairfield, Ohio 19 $ 2,577,000 $ 135,631 $ 0
Licking, Ohio 19 $ 2,488,000 $ 130,947 $ 0
Albemarle, Virginia 19 $ 5,170,000 $ 272,105 $ 0
Manassas, Virginia 19 $ 4,224,000 $ 222,315 $ 0
Roanoke City, Virginia 19 $ 1,656,000 $ 87,157 $ 0
Yakima, Washington 19 $ 2,048,000 $ 107,789 $ 0
Dane, Wisconsin 19 $ 3,332,000 $ 175,368 $ 0
Winnebago, Wisconsin 19 $ 1,955,000 $ 102,894 $ 0
Sutter, California 18 $ 4,367,000 $ 242,611 $ 0
Indian River, Florida 18 $ 3,528,000 $ 196,000 $ 0
Martin, Florida 18 $ 4,393,000 $ 244,055 $ 0
Houston, Georgia 18 $ 2,055,000 $ 114,166 $ 0
Hendricks, Indiana 18 $ 2,141,000 $ 118,944 $ 0
Orleans, Louisiana 18 $ 2,519,000 $ 139,944 $ 0
Calhoun, Michigan 18 $ 1,954,000 $ 108,555 $ 0
Lapeer, Michigan 18 $ 2,432,000 $ 135,111 $ 0
Lenawee, Michigan 18 $ 2,502,000 $ 139,000 $ 0
Douglas, Nevada 18 $ 4,377,000 $ 243,166 $ 0
Brunswick, North Carolina 18 $ 5,307,000 $ 294,833 $ 0
Portage, Ohio 18 $ 2,939,000 $ 163,277 $ 0
Cumberland, Pennsylvania 18 $ 2,475,000 $ 137,500 $ 28,000
Cowlitz, Washington 18 $ 2,183,000 $ 121,277 $ 0
Walworth, Wisconsin 18 $ 2,348,000 $ 130,444 $ 0
Washington, Arkansas 17 $ 2,203,000 $ 129,588 $ 0
Fayette, Georgia 17 $ 4,053,000 $ 238,411 $ 0
Walton, Georgia 17 $ 2,501,000 $ 147,117 $ 0
St. Mary's, Maryland 17 $ 3,944,000 $ 232,000 $ 0
Washington, Maryland 17 $ 3,060,000 $ 180,000 $ 0
Eaton, Michigan 17 $ 2,305,000 $ 135,588 $ 0
Saginaw, Michigan 17 $ 1,937,000 $ 113,941 $ 0
Cumberland, New Jersey 17 $ 2,520,000 $ 148,235 $ 0
Greene, New York 17 $ 1,454,000 $ 85,529 $ 40,000
Cabarrus, North Carolina 17 $ 2,520,000 $ 148,235 $ 0
Mahoning, Ohio 17 $ 1,550,000 $ 91,176 $ 0
Trumbull, Ohio 17 $ 1,894,000 $ 111,411 $ 0
Pike, Pennsylvania 17 $ 2,260,000 $ 132,941 $ 0
Sumner, Tennessee 17 $ 3,363,000 $ 197,823 $ 0
Culpeper, Virginia 17 $ 4,837,000 $ 284,529 $ 0
Suffolk, Virginia 17 $ 3,462,000 $ 203,647 $ 0
Calaveras, California 16 $ 3,860,000 $ 241,250 $ 0
Alachua, Florida 16 $ 2,378,000 $ 148,625 $ 0
Okaloosa, Florida 16 $ 2,890,000 $ 180,625 $ 0
Coweta, Georgia 16 $ 2,304,000 $ 144,000 $ 0
Richmond, Georgia 16 $ 1,427,000 $ 89,187 $ 0
Johnson, Indiana 16 $ 2,686,000 $ 167,875 $ 0
Cecil, Maryland 16 $ 2,895,000 $ 180,937 $ 0
Barry, Michigan 16 $ 1,983,000 $ 123,937 $ 0
Sherburne, Minnesota 16 $ 2,968,000 $ 185,500 $ 0
Lyon, Nevada 16 $ 2,224,000 $ 139,000 $ 0
Strafford, New Hampshire 16 $ 3,215,000 $ 200,937 $ 0
Chenango, New York 16 $ 561,000 $ 35,062 $ 28,000
Catawba, North Carolina 16 $ 1,686,000 $ 105,375 $ 0
Franklin, Pennsylvania 16 $ 1,892,000 $ 118,250 $ 10,000
Lackawanna, Pennsylvania 16 $ 1,841,000 $ 115,062 $ 0
Frederick, Virginia 16 $ 3,177,000 $ 198,562 $ 0
Outagamie, Wisconsin 16 $ 1,915,000 $ 119,687 $ 0
Baldwin, Alabama 15 $ 3,161,000 $ 210,733 $ 0
Nevada, California 15 $ 6,606,000 $ 440,400 $ 0
Mesa, Colorado 15 $ 2,113,000 $ 140,866 $ 0
Citrus, Florida 15 $ 2,295,000 $ 153,000 $ 0
DeKalb, Illinois 15 $ 1,846,000 $ 123,066 $ 0
Androscoggin, Maine 15 $ 1,769,000 $ 117,933 $ 0
Kennebec, Maine 15 $ 1,594,000 $ 106,266 $ 0
Hinds, Mississippi 15 $ 2,446,000 $ 163,066 $ 0
Cape May, New Jersey 15 $ 4,593,000 $ 306,200 $ 0
Allegany, New York 15 $ 484,000 $ 32,266 $ 18,000
Seneca, New York 15 $ 719,000 $ 47,933 $ 57,000
Buncombe, North Carolina 15 $ 2,261,000 $ 150,733 $ 0
Durham, North Carolina 15 $ 3,555,000 $ 237,000 $ 0
Spartanburg, South Carolina 15 $ 1,240,000 $ 82,666 $ 17,000
Montgomery, Tennessee 15 $ 1,513,000 $ 100,866 $ 0
Williamson, Tennessee 15 $ 3,605,000 $ 240,333 $ 0
Hampton, Virginia 15 $ 1,817,000 $ 121,133 $ 0
Grays Harbor, Washington 15 $ 1,208,000 $ 80,533 $ 0
Tehama, California 14 $ 2,738,000 $ 195,571 $ 0
McLean, Illinois 14 $ 1,514,000 $ 108,142 $ 0
Boone, Kentucky 14 $ 1,994,000 $ 142,428 $ 0
Hardin, Kentucky 14 $ 1,784,000 $ 127,428 $ 0
St. Tammany, Louisiana 14 $ 2,631,000 $ 187,928 $ 0
Clinton, Michigan 14 $ 2,369,000 $ 169,214 $ 0
Livingston, Michigan 14 $ 3,319,000 $ 237,071 $ 0
Carroll, New Hampshire 14 $ 3,242,000 $ 231,571 $ 0
Sullivan, New Hampshire 14 $ 2,107,000 $ 150,500 $ 0
Tuscarawas, Ohio 14 $ 1,511,000 $ 107,928 $ 0
Linn, Oregon 14 $ 1,753,000 $ 125,214 $ 0
Yamhill, Oregon 14 $ 2,157,000 $ 154,071 $ 0
Beaver, Pennsylvania 14 $ 1,614,000 $ 115,285 $ 0
Washington, Pennsylvania 14 $ 1,842,000 $ 131,571 $ 0
Minnehaha, South Dakota 14 $ 1,862,000 $ 133,000 $ 0
McLennan, Texas 14 $ 1,434,000 $ 102,428 $ 0
Tooele, Utah 14 $ 1,851,000 $ 132,214 $ 0
Bedford, Virginia 14 $ 1,425,000 $ 101,785 $ 0
Benton, Washington 14 $ 1,876,000 $ 134,000 $ 0
Washington, Wisconsin 14 $ 2,444,000 $ 174,571 $ 0
Yuma, Arizona 13 $ 1,572,000 $ 120,923 $ 0
Highlands, Florida 13 $ 1,772,000 $ 136,307 $ 0
Sangamon, Illinois 13 $ 1,718,000 $ 132,153 $ 0
Madison, Indiana 13 $ 1,132,000 $ 87,076 $ 0
Newaygo, Michigan 13 $ 1,623,000 $ 124,846 $ 0
Shiawassee, Michigan 13 $ 1,979,000 $ 152,230 $ 0
St. Louis, Minnesota 13 $ 2,434,000 $ 187,230 $ 0
Cheshire, New Hampshire 13 $ 1,585,000 $ 121,923 $ 0
Douglas, Oregon 13 $ 1,884,000 $ 144,923 $ 0
Newport, Rhode Island 13 $ 3,947,000 $ 303,615 $ 0
Sullivan, Tennessee 13 $ 1,477,000 $ 113,615 $ 0
Cameron, Texas 13 $ 1,119,000 $ 86,076 $ 0
Portsmouth, Virginia 13 $ 1,469,000 $ 113,000 $ 0
Skagit, Washington 13 $ 1,716,000 $ 132,000 $ 0
Amador, California 12 $ 2,613,000 $ 217,750 $ 0
Bibb, Georgia 12 $ 1,307,000 $ 108,916 $ 0
Douglas, Georgia 12 $ 1,862,000 $ 155,166 $ 0
Peoria, Illinois 12 $ 1,225,000 $ 102,083 $ 0
Livingston, Louisiana 12 $ 1,351,000 $ 112,583 $ 0
Queen Anne's, Maryland 12 $ 3,164,000 $ 263,666 $ 0
Carver, Minnesota 12 $ 3,264,000 $ 272,000 $ 0
Stearns, Minnesota 12 $ 1,901,000 $ 158,416 $ 0
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Mortgage Loan Application Detail Totals for HSBC Bank USA, NA in 2005

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 23,026 $5,028,668,000 $174,647 $19,935,000 $5,490 $9,999,000
Refinancing 21,755 $5,312,584,000 $197,745 $47,000,000 $2,745 $3,315,000
Home Improvement 3,958 $245,428,000 $354,805 $61,000,000 $24,972 $1,208,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 45,223 $10,516,752,000 $187,254 $61,000,000 $470 $9,999,000
White 2,099 $42,507,000 $145,923 $5,500,000 $245,923 $5,000,000
Not Provided 618 $9,689,000 $103,307 $2,000,000 $149,615 $4,777,000
Black or African American 418 $4,873,000 $8,833 $50,000 $63,750 $750,000
Hispanic 263 $5,061,000 $30,888 $1,383,000 $78,444 $1,000,000
Asian 98 $7,537,000 $35,200 $2,000,000 $127,000 $1,125,000
American Indian or Alaskan Native 18 $252,000 $14,000 $25,000 $55,500 $250,000
Native Hawaiian or Other Pacific Islander 2 $9,000 $4,500 $5,000 $48,500 $65,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 48,738 $10,586,551,000 $181,807 $61,000,000 $6,711 $9,999,000
VA-guaranteed (Veterans Administration) 1 $129,000 $129,000 $129,000 $0 $0
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Purchased By The Institution 45,093 $9,864,140,000 $178,509 $5,100,000 $0 $0
Loan Originated 2,112 $684,426,000 $2,639,214 $61,000,000 $172,285 $9,999,000
Application Denied By Financial Institution 1,209 $20,754,000 $18,444 $2,000,000 $74,444 $1,125,000
Application Approved But Not Accepted 279 $7,131,000 $30,571 $1,000,000 $94,714 $900,000
Application Withdrawn By Applicant 28 $9,981,000 $317,333 $5,200,000 $43,000 $300,000
File Closed For Incompleteness 18 $248,000 $13,750 $25,000 $78,000 $376,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 1,027 $14,402,000 $14,812 $2,000,000 $71,812 $700,000
Debt-To-Income Ratio 133 $2,321,000 $16,833 $50,000 $41,166 $173,000
Other 26 $1,549,000 $49,600 $520,000 $183,200 $1,125,000
Employment History 9 $98,000 $8,500 $25,000 $29,500 $55,000
Collateral 7 $160,000 $22,000 $25,000 $46,000 $69,000
Credit Application Incomplete 4 $699,000 $174,000 $190,000 $0 $0
Unverifiable Information 3 $1,525,000 $508,000 $1,500,000 $14,000 $22,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into HSBC Bank USA, NA's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess HSBC Bank USA, NA's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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