HSBC Bank USA, NA Mortgage Lending & HMDA Data, 2021
In 2021, HSBC Bank USA, NA of Chicago, IL reported 17,348 mortgage applications totaling $11.9 billion, down 10% from 2020. The average application was for $686,536, and applicants reported an average income of $266,787. 37% of its applications resulted in an originated loan and 7% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (4,525), Los Angeles-Long Beach-Glendale, CA (1,802) and San Jose-Sunnyvale-Santa Clara, CA (1,536) (applications in parentheses).
| Mortgage Company & Address | HSBC Bank USA, NA Chicago, IL 60606 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 17,348 |
| Total Mortgage Loan Application Amount | $11,910,040,000 |
| Average Mortgage Loan Application Amount | $686,536 |
| Highest Mortgage Loan Application Amount | $42,805,000 |
| Average Applicant Income | $266,787 |
| Highest Applicant Income | $9,935,000 |
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Act (HMDA) records HSBC Bank USA, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 4,525 | $ 2,933,095,000 | $ 648,197 | $ 264,227 |
| Los Angeles-Long Beach-Glendale, CA | 1,802 | $ 1,650,420,000 | $ 915,882 | $ 345,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,536 | $ 1,671,550,000 | $ 1,088,248 | $ 293,000 |
| Nassau County-Suffolk County, NY | 966 | $ 536,440,000 | $ 555,320 | $ 298,000 |
| Miami-Miami Beach-Kendall, FL | 797 | $ 624,935,000 | $ 784,109 | $ 329,000 |
| Seattle-Bellevue-Everett, WA | 785 | $ 445,935,000 | $ 568,070 | $ 194,000 |
| Anaheim-Santa Ana-Irvine, CA | 744 | $ 562,760,000 | $ 756,397 | $ 270,000 |
| San Francisco-Redwood City-South San Francisco, CA | 696 | $ 706,930,000 | $ 1,015,704 | $ 298,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 614 | $ 230,870,000 | $ 376,009 | $ 134,402 |
| Oakland-Hayward-Berkeley, CA | 567 | $ 426,145,000 | $ 751,578 | $ 228,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 490 | $ 82,420,000 | $ 168,204 | $ 79,000 |
| Newark, NJ-PA | 362 | $ 156,160,000 | $ 431,381 | $ 197,900 |
| Philadelphia, PA | 341 | $ 73,405,000 | $ 215,263 | $ 82,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 298 | $ 99,630,000 | $ 334,328 | $ 138,000 |
| Washington-Baltimore-Arlington, DC | 288 | $ 117,310,000 | $ 407,326 | $ 152,000 |
| New York-Newark, NY | 268 | $ 159,460,000 | $ 595,000 | $ 382,638 |
| Outside any metro area | 177 | $ 117,265,000 | $ 662,514 | $ 507,254 |
| Bridgeport-Stamford-Norwalk, CT | 167 | $ 170,255,000 | $ 1,019,491 | $ 367,000 |
| Riverside-San Bernardino-Ontario, CA | 137 | $ 68,075,000 | $ 496,897 | $ 222,000 |
| San Diego-Carlsbad, CA | 136 | $ 130,000,000 | $ 955,882 | $ 399,000 |
| Houston-The Woodlands-Sugar Land, TX | 106 | $ 39,820,000 | $ 375,660 | $ 198,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 106 | $ 127,770,000 | $ 1,205,377 | $ 456,000 |
| Orlando-Kissimmee-Sanford, FL | 78 | $ 26,580,000 | $ 340,769 | $ 284,000 |
| Chicago-Naperville, IL | 71 | $ 29,595,000 | $ 416,830 | $ 232,000 |
| Dallas-Plano-Irving, TX | 68 | $ 64,990,000 | $ 955,735 | $ 269,000 |
| Tampa-St. Petersburg-Clearwater, FL | 51 | $ 19,575,000 | $ 383,823 | $ 291,000 |
| Atlanta-Sandy Springs-Roswell, GA | 44 | $ 23,620,000 | $ 536,818 | $ 307,000 |
| Austin-Round Rock, TX | 44 | $ 27,030,000 | $ 614,318 | $ 267,000 |
| Las Vegas-Henderson-Paradise, NV | 40 | $ 19,760,000 | $ 494,000 | $ 333,000 |
| Boston, MA | 38 | $ 34,450,000 | $ 906,578 | $ 359,000 |
| Phoenix-Mesa-Scottsdale, AZ | 38 | $ 20,700,000 | $ 544,736 | $ 286,000 |
| San Rafael, CA | 33 | $ 42,175,000 | $ 1,278,030 | $ 363,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 31 | $ 21,315,000 | $ 687,580 | $ 367,000 |
| Charlotte-Concord-Gastonia, NC-SC | 29 | $ 15,175,000 | $ 523,275 | $ 191,931 |
| Cambridge-Newton-Framingham, MA | 27 | $ 23,595,000 | $ 873,888 | $ 352,000 |
| Montgomery County-Bucks County-Chester County, PA | 26 | $ 12,310,000 | $ 473,461 | $ 227,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 26 | $ 29,800,000 | $ 1,146,153 | $ 281,000 |
| Trenton, NJ | 24 | $ 13,640,000 | $ 568,333 | $ 298,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 22 | $ 10,470,000 | $ 475,909 | $ 172,636 |
| Fort Worth-Arlington, TX | 21 | $ 6,345,000 | $ 302,142 | $ 116,000 |
| Cape Coral-Fort Myers, FL | 19 | $ 6,535,000 | $ 343,947 | $ 173,000 |
| Jacksonville, FL | 19 | $ 5,445,000 | $ 286,578 | $ 144,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 19 | $ 14,095,000 | $ 741,842 | $ 285,000 |
| Raleigh, NC | 19 | $ 7,905,000 | $ 416,052 | $ 191,000 |
| Albany-Schenectady-Troy, NY | 17 | $ 4,445,000 | $ 261,470 | $ 210,000 |
| Denver-Aurora-Lakewood, CO | 17 | $ 9,155,000 | $ 538,529 | $ 318,000 |
| New Haven-Milford, CT | 17 | $ 6,055,000 | $ 356,176 | $ 207,000 |
| Lakeland-Winter Haven, FL | 16 | $ 3,690,000 | $ 230,625 | $ 291,000 |
| Hartford-West Hartford-East Hartford, CT | 15 | $ 4,395,000 | $ 293,000 | $ 181,000 |
| Naples-Immokalee-Marco Island, FL | 15 | $ 8,615,000 | $ 574,333 | $ 431,000 |
| North Port-Sarasota-Bradenton, FL | 15 | $ 4,865,000 | $ 324,333 | $ 131,000 |
| Santa Rosa, CA | 15 | $ 13,305,000 | $ 887,000 | $ 384,000 |
| Urban Honolulu, HI | 15 | $ 15,155,000 | $ 1,010,333 | $ 388,000 |
| Kingston, NY | 13 | $ 6,085,000 | $ 468,076 | $ 217,000 |
| Rochester, NY | 13 | $ 1,875,000 | $ 144,230 | $ 114,000 |
| Baltimore-Columbia-Towson, MD | 12 | $ 5,960,000 | $ 496,666 | $ 147,000 |
| Boulder, CO | 12 | $ 14,240,000 | $ 1,186,666 | $ 545,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 12 | $ 5,000,000 | $ 416,666 | $ 321,000 |
| San Antonio-New Braunfels, TX | 12 | $ 2,760,000 | $ 230,000 | $ 280,000 |
| Warren-Troy-Farmington Hills, MI | 11 | $ 4,045,000 | $ 367,727 | $ 215,000 |
| Stockton-Lodi, CA | 10 | $ 4,940,000 | $ 494,000 | $ 225,000 |
| Syracuse, NY | 10 | $ 1,900,000 | $ 190,000 | $ 125,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 2,635,000 | $ 292,777 | $ 137,888 |
| Cleveland-Elyria, OH | 9 | $ 1,565,000 | $ 173,888 | $ 128,000 |
| Lake County-Kenosha County, IL-WI | 9 | $ 4,495,000 | $ 499,444 | $ 277,222 |
| Napa, CA | 9 | $ 9,955,000 | $ 1,106,111 | $ 554,000 |
| Santa Maria-Santa Barbara, CA | 9 | $ 9,745,000 | $ 1,082,777 | $ 529,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 2,330,000 | $ 291,250 | $ 314,000 |
| St. Louis, MO-IL | 8 | $ 4,590,000 | $ 573,750 | $ 221,000 |
| College Station-Bryan, TX | 7 | $ 1,205,000 | $ 172,142 | $ 171,000 |
| Salt Lake City, UT | 7 | $ 4,375,000 | $ 625,000 | $ 382,000 |
| Wilmington, DE-MD-NJ | 7 | $ 1,365,000 | $ 195,000 | $ 115,857 |
| Bakersfield, CA | 6 | $ 1,360,000 | $ 226,666 | $ 121,000 |
| Bremerton-Silverdale, WA | 6 | $ 3,980,000 | $ 663,333 | $ 359,000 |
| Greenville-Anderson-Mauldin, SC | 6 | $ 1,110,000 | $ 185,000 | $ 98,000 |
| Indianapolis-Carmel-Anderson, IN | 6 | $ 2,810,000 | $ 468,333 | $ 204,000 |
| Ocean City, NJ | 6 | $ 5,440,000 | $ 906,666 | $ 404,000 |
| Providence-Warwick, RI-MA | 6 | $ 1,650,000 | $ 275,000 | $ 132,333 |
| Richmond, VA | 6 | $ 2,050,000 | $ 341,666 | $ 344,000 |
| Salinas, CA | 6 | $ 6,100,000 | $ 1,016,666 | $ 453,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 5,360,000 | $ 893,333 | $ 195,000 |
| Tucson, AZ | 6 | $ 2,850,000 | $ 475,000 | $ 185,000 |
| Asheville, NC | 5 | $ 2,195,000 | $ 439,000 | $ 201,000 |
| Binghamton, NY | 5 | $ 705,000 | $ 141,000 | $ 82,000 |
| Cincinnati, OH-KY-IN | 5 | $ 1,935,000 | $ 387,000 | $ 214,000 |
| Fresno, CA | 5 | $ 1,625,000 | $ 325,000 | $ 89,000 |
| Kansas City, MO-KS | 5 | $ 1,325,000 | $ 265,000 | $ 279,600 |
| Knoxville, TN | 5 | $ 1,855,000 | $ 371,000 | $ 139,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 1,135,000 | $ 227,000 | $ 115,000 |
| Pittsburgh, PA | 5 | $ 1,625,000 | $ 325,000 | $ 119,000 |
| Salisbury, MD-DE | 5 | $ 3,055,000 | $ 611,000 | $ 382,000 |
| Sebastian-Vero Beach, FL | 5 | $ 1,395,000 | $ 279,000 | $ 205,000 |
| Tacoma-Lakewood, WA | 5 | $ 2,265,000 | $ 453,000 | $ 196,000 |
| Barnstable Town, MA | 4 | $ 3,710,000 | $ 927,500 | $ 672,000 |
| Boise City, ID | 4 | $ 1,390,000 | $ 347,500 | $ 178,000 |
| Camden, NJ | 4 | $ 970,000 | $ 242,500 | $ 124,000 |
| Columbus, OH | 4 | $ 2,510,000 | $ 627,500 | $ 256,000 |
| Detroit-Dearborn-Livonia, MI | 4 | $ 300,000 | $ 75,000 | $ 81,000 |
| Durham-Chapel Hill, NC | 4 | $ 1,140,000 | $ 285,000 | $ 195,000 |
| Gainesville, GA | 4 | $ 1,650,000 | $ 412,500 | $ 1,435,000 |
| Huntsville, AL | 4 | $ 430,000 | $ 107,500 | $ 107,000 |
| New Orleans-Metairie, LA | 4 | $ 500,000 | $ 125,000 | $ 205,000 |
| Port St. Lucie, FL | 4 | $ 630,000 | $ 157,500 | $ 88,000 |
| Vallejo-Fairfield, CA | 4 | $ 2,090,000 | $ 522,500 | $ 186,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,190,000 | $ 297,500 | $ 63,000 |
| Waco, TX | 4 | $ 930,000 | $ 232,500 | $ 155,000 |
| Worcester, MA-CT | 4 | $ 1,420,000 | $ 355,000 | $ 177,500 |
| Bellingham, WA | 3 | $ 1,865,000 | $ 621,666 | $ 187,000 |
| Chattanooga, TN-GA | 3 | $ 265,000 | $ 88,333 | $ 141,000 |
| Glens Falls, NY | 3 | $ 795,000 | $ 265,000 | $ 220,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 1,925,000 | $ 641,666 | $ 433,000 |
| Norwich-New London, CT | 3 | $ 915,000 | $ 305,000 | $ 661,000 |
| Ocala, FL | 3 | $ 525,000 | $ 175,000 | $ 36,000 |
| Panama City, FL | 3 | $ 4,755,000 | $ 1,585,000 | $ 578,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 465,000 | $ 155,000 | $ 63,000 |
| Reading, PA | 3 | $ 515,000 | $ 171,666 | $ 116,000 |
| Reno, NV | 3 | $ 4,465,000 | $ 1,488,333 | $ 587,000 |
| Savannah, GA | 3 | $ 905,000 | $ 301,666 | $ 175,000 |
| Utica-Rome, NY | 3 | $ 205,000 | $ 68,333 | $ 68,000 |
| Athens-Clarke County, GA | 2 | $ 740,000 | $ 370,000 | $ 197,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 760,000 | $ 380,000 | $ 1,250,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 480,000 | $ 240,000 | $ 152,000 |
| Bend-Redmond, OR | 2 | $ 1,160,000 | $ 580,000 | $ 459,000 |
| Billings, MT | 2 | $ 1,200,000 | $ 600,000 | $ 424,000 |
| Charleston-North Charleston, SC | 2 | $ 2,310,000 | $ 1,155,000 | $ 497,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 7,310,000 | $ 3,655,000 | $ 964,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 390,000 | $ 195,000 | $ 101,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 340,000 | $ 170,000 | $ 102,000 |
| El Paso, TX | 2 | $ 160,000 | $ 80,000 | $ 79,000 |
| Gainesville, FL | 2 | $ 590,000 | $ 295,000 | $ 227,000 |
| Greeley, CO | 2 | $ 1,070,000 | $ 535,000 | $ 190,000 |
| Greensboro-High Point, NC | 2 | $ 140,000 | $ 70,000 | $ 100,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 9,830,000 | $ 4,915,000 | $ 2,338,000 |
| Lafayette-West Lafayette, IN | 2 | $ 420,000 | $ 210,000 | $ 145,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 1,440,000 | $ 720,000 | $ 490,000 |
| Memphis, TN-MS-AR | 2 | $ 230,000 | $ 115,000 | $ 139,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 550,000 | $ 275,000 | $ 99,000 |
| Pittsfield, MA | 2 | $ 530,000 | $ 265,000 | $ 95,000 |
| Punta Gorda, FL | 2 | $ 290,000 | $ 145,000 | $ 159,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 1,460,000 | $ 730,000 | $ 226,000 |
| Springfield, MA | 2 | $ 610,000 | $ 305,000 | $ 110,000 |
| Tulsa, OK | 2 | $ 410,000 | $ 205,000 | $ 183,000 |
| Wausau, WI | 2 | $ 250,000 | $ 125,000 | $ 83,000 |
| York-Hanover, PA | 2 | $ 290,000 | $ 145,000 | $ 58,000 |
| Ann Arbor, MI | 1 | $ 445,000 | $ 445,000 | $ 300,000 |
| Baton Rouge, LA | 1 | $ 255,000 | $ 255,000 | $ 76,000 |
| Birmingham-Hoover, AL | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
| Bloomington, IL | 1 | $ 235,000 | $ 235,000 | $ 224,000 |
| Bloomington, IN | 1 | $ 225,000 | $ 225,000 | $ 116,000 |
| Brownsville-Harlingen, TX | 1 | $ 305,000 | $ 305,000 | $ 300,000 |
| Burlington-South Burlington, VT | 1 | $ 235,000 | $ 235,000 | $ 300,000 |
| Charlottesville, VA | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Clarksville, TN-KY | 1 | $ 205,000 | $ 205,000 | $ 73,000 |
| Columbia, SC | 1 | $ 255,000 | $ 255,000 | $ 103,000 |
| Columbus, GA-AL | 1 | $ 355,000 | $ 355,000 | $ 125,000 |
| Corvallis, OR | 1 | $ 55,000 | $ 55,000 | $ 311,000 |
| Dalton, GA | 1 | $ 95,000 | $ 95,000 | $ 109,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 295,000 | $ 295,000 | $ 238,000 |
| Des Moines-West Des Moines, IA | 1 | $ 295,000 | $ 295,000 | $ 299,000 |
| Dover, DE | 1 | $ 235,000 | $ 235,000 | $ 92,000 |
| East Stroudsburg, PA | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| El Centro, CA | 1 | $ 265,000 | $ 265,000 | $ 185,000 |
| Elgin, IL | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Fayetteville, NC | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 175,000 | $ 175,000 | $ 109,000 |
| Flint, MI | 1 | $ 35,000 | $ 35,000 | $ 86,000 |
| Fort Collins, CO | 1 | $ 885,000 | $ 885,000 | $ 219,000 |
| Grand Island, NE | 1 | $ 225,000 | $ 225,000 | $ 64,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| Greenville, NC | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 165,000 | $ 165,000 | $ 95,000 |
| Harrisburg-Carlisle, PA | 1 | $ 175,000 | $ 175,000 | $ 83,000 |
| Ithaca, NY | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Jacksonville, NC | 1 | $ 225,000 | $ 225,000 | $ 129,000 |
| Janesville-Beloit, WI | 1 | $ 845,000 | $ 845,000 | $ 164,000 |
| Kalamazoo-Portage, MI | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Killeen-Temple, TX | 1 | $ 295,000 | $ 295,000 | $ 223,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 165,000 | $ 165,000 | $ 218,000 |
| Lancaster, PA | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Lansing-East Lansing, MI | 1 | $ 195,000 | $ 195,000 | $ 171,000 |
| Madera, CA | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Manchester-Nashua, NH | 1 | $ 5,005,000 | $ 5,005,000 | $ 3,407,000 |
| Merced, CA | 1 | $ 185,000 | $ 185,000 | $ 43,000 |
| Montgomery, AL | 1 | $ 75,000 | $ 75,000 | $ 134,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Odessa, TX | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Ogden-Clearfield, UT | 1 | $ 545,000 | $ 545,000 | $ 230,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 205,000 | $ 205,000 | $ 116,000 |
| Portland-South Portland, ME | 1 | $ 125,000 | $ 125,000 | $ 162,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 835,000 | $ 835,000 | $ 493,000 |
| Provo-Orem, UT | 1 | $ 475,000 | $ 475,000 | $ 120,000 |
| Rochester, MN | 1 | $ 165,000 | $ 165,000 | $ 117,000 |
| Rockingham County-Strafford County, NH | 1 | $ 535,000 | $ 535,000 | $ 227,000 |
| San Angelo, TX | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Santa Fe, NM | 1 | $ 1,965,000 | $ 1,965,000 | $ 700,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Sherman-Denison, TX | 1 | $ 235,000 | $ 235,000 | $ 62,000 |
| Shreveport-Bossier City, LA | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Spokane-Spokane Valley, WA | 1 | $ 185,000 | $ 185,000 | $ 71,000 |
| State College, PA | 1 | $ 375,000 | $ 375,000 | $ 90,000 |
| Tallahassee, FL | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| The Villages, FL | 1 | $ 145,000 | $ 145,000 | $ 73,000 |
| Vineland-Bridgeton, NJ | 1 | $ 545,000 | $ 545,000 | $ 169,000 |
| Visalia-Porterville, CA | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| Warner Robins, GA | 1 | $ 235,000 | $ 235,000 | $ 122,000 |
| Wichita, KS | 1 | $ 65,000 | $ 65,000 | $ 16,000 |
| Wilmington, NC | 1 | $ 325,000 | $ 325,000 | $ 126,000 |
| Winchester, VA-WV | 1 | $ 135,000 | $ 135,000 | $ 34,000 |
| Winston-Salem, NC | 1 | $ 305,000 | $ 305,000 | $ 102,000 |
| Yuba City, CA | 1 | $ 305,000 | $ 305,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for HSBC Bank USA, NA in 2021
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 |
|---|---|---|---|---|---|---|
| Refinancing | 7,271 | $4,553,125,000 | $626,000 | $42,805,000 | $256,000 | $9,486,000 |
| Home Purchase | 6,182 | $5,199,850,000 | $841,000 | $33,005,000 | $283,000 | $9,935,000 |
| Cash-out Refinancing | 3,027 | $1,712,835,000 | $565,000 | $20,205,000 | $224,000 | $8,750,000 |
| Other Purpose | 528 | $353,620,000 | $669,000 | $20,005,000 | $466,000 | $9,702,000 |
| Home Improvement | 339 | $90,575,000 | $267,000 | $6,005,000 | $275,000 | $4,388,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $25,000 | $25,000 |
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 | 5,340 | $1,739,910,000 | $325,000 | $42,805,000 | $88,000 | $1,068,000 |
| Not Provided | 5,177 | $4,588,715,000 | $886,000 | $20,205,000 | $403,000 | $9,935,000 |
| Asian | 3,408 | $3,250,560,000 | $953,000 | $6,455,000 | $308,000 | $5,325,000 |
| White | 2,545 | $1,906,015,000 | $748,000 | $9,605,000 | $328,000 | $8,004,000 |
| Hispanic | 552 | $296,590,000 | $537,000 | $3,005,000 | $279,000 | $6,498,000 |
| Black or African American | 270 | $89,540,000 | $331,000 | $1,755,000 | $124,000 | $666,000 |
| American Indian or Alaskan Native | 9 | $5,285,000 | $587,000 | $2,275,000 | $156,000 | $505,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,155,000 | $385,000 | $505,000 | $145,000 | $202,000 |
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) | 16,656 | $11,713,750,000 | $703,000 | $42,805,000 | $273,000 | $9,935,000 |
| FHA-insured (Federal Housing Administration) | 574 | $161,030,000 | $280,000 | $765,000 | $68,000 | $401,000 |
| VA-guaranteed (Veterans Administration) | 118 | $35,260,000 | $298,000 | $645,000 | $77,000 | $206,000 |
| 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 Originated | 6,356 | $5,856,180,000 | $921,000 | $33,005,000 | $368,000 | $9,702,000 |
| Loan Purchased By The Institution | 5,276 | $1,458,410,000 | $276,000 | $845,000 | $88,000 | $1,068,000 |
| Application Withdrawn By Applicant | 2,417 | $2,069,125,000 | $856,000 | $42,805,000 | $349,000 | $9,935,000 |
| File Closed For Incompleteness | 1,891 | $1,441,955,000 | $762,000 | $9,605,000 | $313,000 | $6,480,000 |
| Application Denied By Financial Institution | 1,285 | $990,295,000 | $770,000 | $10,405,000 | $274,000 | $8,004,000 |
| Application Approved But Not Accepted | 122 | $92,570,000 | $758,000 | $7,155,000 | $449,000 | $6,317,000 |
| Preapproval Denied by Financial Institution | 1 | $1,505,000 | $1,505,000 | $1,505,000 | $375,000 | $375,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 16,062 | $10,918,240,000 | $679,000 | $42,805,000 | $266,000 | $9,935,000 |
| Debt-To-Income Ratio | 520 | $443,570,000 | $853,000 | $6,805,000 | $164,000 | $3,736,000 |
| Collateral | 221 | $149,725,000 | $677,000 | $10,405,000 | $315,000 | $6,498,000 |
| Credit Application Incomplete | 203 | $134,945,000 | $664,000 | $5,055,000 | $389,000 | $8,004,000 |
| Other | 122 | $91,160,000 | $747,000 | $5,205,000 | $365,000 | $4,403,000 |
| Credit History | 100 | $58,140,000 | $581,000 | $3,755,000 | $285,000 | $3,895,000 |
| Unverifiable Information | 90 | $86,630,000 | $962,000 | $4,995,000 | $397,000 | $2,933,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 22 | $23,180,000 | $1,053,000 | $5,005,000 | $291,000 | $868,000 |
| Employment History | 8 | $4,450,000 | $556,000 | $2,785,000 | $207,000 | $725,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into HSBC Bank USA, NA's 2021 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
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