HSBC Bank USA, NA Mortgage Lending & HMDA Data, 2022
In 2022, HSBC Bank USA, NA of Chicago, IL reported 9,741 mortgage applications totaling $7.0 billion, down 44% from 2021. The average application was for $714,776, and applicants reported an average income of $266,115. 35% of its applications resulted in an originated loan and 5% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (2,824), Los Angeles-Long Beach-Glendale, CA (950) and San Jose-Sunnyvale-Santa Clara, CA (574) (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 | 9,741 |
| Total Mortgage Loan Application Amount | $6,962,635,000 |
| Average Mortgage Loan Application Amount | $714,776 |
| Highest Mortgage Loan Application Amount | $90,005,000 |
| Average Applicant Income | $266,115 |
| Highest Applicant Income | $9,021,000 |
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Act (HMDA) records HSBC Bank USA, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,824 | $ 1,918,130,000 | $ 679,224 | $ 265,137 |
| Los Angeles-Long Beach-Glendale, CA | 950 | $ 640,885,000 | $ 674,615 | $ 249,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 574 | $ 809,690,000 | $ 1,410,609 | $ 386,000 |
| Miami-Miami Beach-Kendall, FL | 472 | $ 340,670,000 | $ 721,758 | $ 347,000 |
| Seattle-Bellevue-Everett, WA | 444 | $ 245,210,000 | $ 552,274 | $ 208,000 |
| Nassau County-Suffolk County, NY | 440 | $ 254,460,000 | $ 578,318 | $ 243,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 392 | $ 195,145,000 | $ 497,818 | $ 136,436 |
| San Francisco-Redwood City-South San Francisco, CA | 334 | $ 317,810,000 | $ 951,526 | $ 304,000 |
| Anaheim-Santa Ana-Irvine, CA | 298 | $ 178,320,000 | $ 598,389 | $ 236,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 294 | $ 56,900,000 | $ 193,537 | $ 100,000 |
| Oakland-Hayward-Berkeley, CA | 294 | $ 201,860,000 | $ 686,598 | $ 230,000 |
| Philadelphia, PA | 266 | $ 65,400,000 | $ 245,864 | $ 98,000 |
| Newark, NJ-PA | 232 | $ 106,820,000 | $ 460,431 | $ 237,474 |
| Washington-Baltimore-Arlington, DC | 182 | $ 70,020,000 | $ 384,725 | $ 142,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 174 | $ 71,780,000 | $ 412,528 | $ 177,000 |
| New York-Newark, NY | 167 | $ 128,375,000 | $ 768,712 | $ 459,269 |
| Outside any metro area | 118 | $ 67,980,000 | $ 576,101 | $ 436,974 |
| San Diego-Carlsbad, CA | 83 | $ 78,255,000 | $ 942,831 | $ 461,000 |
| Chicago-Naperville, IL | 69 | $ 39,355,000 | $ 570,362 | $ 369,000 |
| Bridgeport-Stamford-Norwalk, CT | 62 | $ 77,020,000 | $ 1,242,258 | $ 601,000 |
| Houston-The Woodlands-Sugar Land, TX | 57 | $ 35,565,000 | $ 623,947 | $ 215,000 |
| Atlanta-Sandy Springs-Roswell, GA | 52 | $ 106,980,000 | $ 2,057,307 | $ 307,000 |
| Orlando-Kissimmee-Sanford, FL | 47 | $ 23,085,000 | $ 491,170 | $ 599,000 |
| Dallas-Plano-Irving, TX | 43 | $ 25,985,000 | $ 604,302 | $ 235,000 |
| Riverside-San Bernardino-Ontario, CA | 42 | $ 28,800,000 | $ 685,714 | $ 389,000 |
| Austin-Round Rock, TX | 41 | $ 23,715,000 | $ 578,414 | $ 274,000 |
| Phoenix-Mesa-Scottsdale, AZ | 37 | $ 62,865,000 | $ 1,699,054 | $ 250,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 37 | $ 41,525,000 | $ 1,122,297 | $ 417,000 |
| Charlotte-Concord-Gastonia, NC-SC | 29 | $ 15,995,000 | $ 551,551 | $ 224,517 |
| Sacramento--Roseville--Arden-Arcade, CA | 29 | $ 14,475,000 | $ 499,137 | $ 359,000 |
| Cambridge-Newton-Framingham, MA | 27 | $ 23,405,000 | $ 866,851 | $ 356,000 |
| Las Vegas-Henderson-Paradise, NV | 26 | $ 12,280,000 | $ 472,307 | $ 201,000 |
| Boston, MA | 23 | $ 25,525,000 | $ 1,109,782 | $ 725,000 |
| Lake County-Kenosha County, IL-WI | 21 | $ 11,165,000 | $ 531,666 | $ 308,000 |
| Denver-Aurora-Lakewood, CO | 19 | $ 76,275,000 | $ 4,014,473 | $ 206,000 |
| Jacksonville, FL | 18 | $ 7,960,000 | $ 442,222 | $ 243,000 |
| North Port-Sarasota-Bradenton, FL | 18 | $ 8,890,000 | $ 493,888 | $ 217,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 17 | $ 12,805,000 | $ 753,235 | $ 194,000 |
| Raleigh, NC | 17 | $ 7,255,000 | $ 426,764 | $ 220,000 |
| Trenton, NJ | 14 | $ 11,050,000 | $ 789,285 | $ 441,000 |
| Kingston, NY | 13 | $ 5,285,000 | $ 406,538 | $ 270,000 |
| Fort Worth-Arlington, TX | 12 | $ 8,830,000 | $ 735,833 | $ 255,000 |
| East Stroudsburg, PA | 11 | $ 2,705,000 | $ 245,909 | $ 169,000 |
| New Haven-Milford, CT | 11 | $ 3,345,000 | $ 304,090 | $ 185,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 7,165,000 | $ 651,363 | $ 306,000 |
| Montgomery County-Bucks County-Chester County, PA | 10 | $ 3,770,000 | $ 377,000 | $ 234,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 10 | $ 5,670,000 | $ 567,000 | $ 753,800 |
| Santa Maria-Santa Barbara, CA | 10 | $ 17,450,000 | $ 1,745,000 | $ 590,000 |
| Albany-Schenectady-Troy, NY | 9 | $ 2,565,000 | $ 285,000 | $ 191,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 4,315,000 | $ 479,444 | $ 363,000 |
| Lakeland-Winter Haven, FL | 9 | $ 3,385,000 | $ 376,111 | $ 506,000 |
| San Rafael, CA | 8 | $ 8,990,000 | $ 1,123,750 | $ 492,000 |
| St. Louis, MO-IL | 8 | $ 2,400,000 | $ 300,000 | $ 171,500 |
| Tacoma-Lakewood, WA | 8 | $ 3,310,000 | $ 413,750 | $ 314,000 |
| Warren-Troy-Farmington Hills, MI | 8 | $ 2,460,000 | $ 307,500 | $ 159,000 |
| Baltimore-Columbia-Towson, MD | 7 | $ 3,065,000 | $ 437,857 | $ 219,000 |
| Durham-Chapel Hill, NC | 7 | $ 2,805,000 | $ 400,714 | $ 238,000 |
| Richmond, VA | 7 | $ 3,515,000 | $ 502,142 | $ 156,000 |
| Rochester, NY | 7 | $ 1,425,000 | $ 203,571 | $ 168,000 |
| Urban Honolulu, HI | 7 | $ 7,785,000 | $ 1,112,142 | $ 386,000 |
| Elgin, IL | 6 | $ 1,920,000 | $ 320,000 | $ 503,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 2,770,000 | $ 461,666 | $ 369,333 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 5,040,000 | $ 840,000 | $ 401,000 |
| Pittsburgh, PA | 6 | $ 2,790,000 | $ 465,000 | $ 190,000 |
| Camden, NJ | 5 | $ 1,185,000 | $ 237,000 | $ 592,000 |
| Columbus, OH | 5 | $ 1,715,000 | $ 343,000 | $ 192,000 |
| Kansas City, MO-KS | 5 | $ 51,605,000 | $ 10,321,000 | $ 297,000 |
| Memphis, TN-MS-AR | 5 | $ 31,545,000 | $ 6,309,000 | $ 147,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 2,945,000 | $ 589,000 | $ 232,000 |
| Providence-Warwick, RI-MA | 5 | $ 2,845,000 | $ 569,000 | $ 518,000 |
| San Antonio-New Braunfels, TX | 5 | $ 1,815,000 | $ 363,000 | $ 152,000 |
| Santa Rosa, CA | 5 | $ 3,395,000 | $ 679,000 | $ 255,000 |
| Stockton-Lodi, CA | 5 | $ 2,125,000 | $ 425,000 | $ 192,000 |
| Syracuse, NY | 5 | $ 1,145,000 | $ 229,000 | $ 107,000 |
| Tucson, AZ | 5 | $ 2,825,000 | $ 565,000 | $ 205,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 1,335,000 | $ 267,000 | $ 112,800 |
| Atlantic City-Hammonton, NJ | 4 | $ 1,550,000 | $ 387,500 | $ 331,000 |
| Cleveland-Elyria, OH | 4 | $ 820,000 | $ 205,000 | $ 225,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 2,510,000 | $ 627,500 | $ 196,000 |
| Rockingham County-Strafford County, NH | 4 | $ 1,290,000 | $ 322,500 | $ 171,000 |
| Salisbury, MD-DE | 4 | $ 1,460,000 | $ 365,000 | $ 336,500 |
| Wilmington, DE-MD-NJ | 4 | $ 980,000 | $ 245,000 | $ 335,750 |
| Augusta-Richmond County, GA-SC | 3 | $ 935,000 | $ 311,666 | $ 127,333 |
| Charleston-North Charleston, SC | 3 | $ 1,945,000 | $ 648,333 | $ 257,000 |
| Chattanooga, TN-GA | 3 | $ 365,000 | $ 121,666 | $ 87,666 |
| Cincinnati, OH-KY-IN | 3 | $ 345,000 | $ 115,000 | $ 231,000 |
| Columbia, SC | 3 | $ 1,105,000 | $ 368,333 | $ 88,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 865,000 | $ 288,333 | $ 273,000 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 90,425,000 | $ 30,141,666 | $ 2,014,000 |
| Eugene, OR | 3 | $ 935,000 | $ 311,666 | $ 110,000 |
| Fresno, CA | 3 | $ 875,000 | $ 291,666 | $ 211,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 595,000 | $ 198,333 | $ 114,000 |
| Harrisburg-Carlisle, PA | 3 | $ 465,000 | $ 155,000 | $ 266,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 925,000 | $ 308,333 | $ 162,000 |
| Huntsville, AL | 3 | $ 865,000 | $ 288,333 | $ 427,000 |
| Kahului-Wailuku-Lahaina, HI | 3 | $ 3,295,000 | $ 1,098,333 | $ 222,000 |
| New Orleans-Metairie, LA | 3 | $ 875,000 | $ 291,666 | $ 180,000 |
| Port St. Lucie, FL | 3 | $ 575,000 | $ 191,666 | $ 137,000 |
| Salinas, CA | 3 | $ 2,915,000 | $ 971,666 | $ 124,000 |
| Tyler, TX | 3 | $ 645,000 | $ 215,000 | $ 108,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,145,000 | $ 381,666 | $ 190,000 |
| Wilmington, NC | 3 | $ 865,000 | $ 288,333 | $ 180,000 |
| Asheville, NC | 2 | $ 650,000 | $ 325,000 | $ 103,000 |
| Bakersfield, CA | 2 | $ 680,000 | $ 340,000 | $ 276,000 |
| Baton Rouge, LA | 2 | $ 610,000 | $ 305,000 | $ 73,000 |
| Bend-Redmond, OR | 2 | $ 1,260,000 | $ 630,000 | $ 451,000 |
| Binghamton, NY | 2 | $ 140,000 | $ 70,000 | $ 68,000 |
| Boise City, ID | 2 | $ 1,000,000 | $ 500,000 | $ 415,000 |
| Boulder, CO | 2 | $ 890,000 | $ 445,000 | $ 403,000 |
| Champaign-Urbana, IL | 2 | $ 370,000 | $ 185,000 | $ 251,000 |
| Charlottesville, VA | 2 | $ 460,000 | $ 230,000 | $ 837,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,760,000 | $ 880,000 | $ 833,000 |
| Flagstaff, AZ | 2 | $ 1,130,000 | $ 565,000 | $ 690,000 |
| Greensboro-High Point, NC | 2 | $ 640,000 | $ 320,000 | $ 185,000 |
| Idaho Falls, ID | 2 | $ 450,000 | $ 225,000 | $ 301,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 290,000 | $ 145,000 | $ 206,000 |
| Knoxville, TN | 2 | $ 350,000 | $ 175,000 | $ 168,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 310,000 | $ 155,000 | $ 124,000 |
| Lexington-Fayette, KY | 2 | $ 580,000 | $ 290,000 | $ 300,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 530,000 | $ 265,000 | $ 212,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 130,000 | $ 65,000 | $ 158,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 410,000 | $ 205,000 | $ 289,000 |
| Napa, CA | 2 | $ 2,820,000 | $ 1,410,000 | $ 627,000 |
| Norwich-New London, CT | 2 | $ 1,510,000 | $ 755,000 | $ 694,000 |
| Olympia-Tumwater, WA | 2 | $ 2,170,000 | $ 1,085,000 | $ 202,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 470,000 | $ 235,000 | $ 240,000 |
| Pittsfield, MA | 2 | $ 2,380,000 | $ 1,190,000 | $ 419,000 |
| Provo-Orem, UT | 2 | $ 1,910,000 | $ 955,000 | $ 298,000 |
| Salt Lake City, UT | 2 | $ 1,150,000 | $ 575,000 | $ 149,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 2,400,000 | $ 1,200,000 | $ 338,000 |
| Tulsa, OK | 2 | $ 380,000 | $ 190,000 | $ 133,000 |
| Wenatchee, WA | 2 | $ 1,470,000 | $ 735,000 | $ 477,000 |
| Akron, OH | 1 | $ 85,000 | $ 85,000 | $ 125,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 185,000 | $ 185,000 | $ 124,000 |
| Ann Arbor, MI | 1 | $ 90,005,000 | $ 90,005,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 1,485,000 | $ 1,485,000 | $ 158,000 |
| Bloomington, IL | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Bremerton-Silverdale, WA | 1 | $ 755,000 | $ 755,000 | $ 378,000 |
| Brunswick, GA | 1 | $ 315,000 | $ 315,000 | $ 135,000 |
| Carson City, NV | 1 | $ 475,000 | $ 475,000 | $ 500,000 |
| Coeur D'Alene, ID | 1 | $ 265,000 | $ 265,000 | $ 127,000 |
| Corpus Christi, TX | 1 | $ 505,000 | $ 505,000 | $ 176,000 |
| Corvallis, OR | 1 | $ 435,000 | $ 435,000 | $ 154,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 315,000 | $ 315,000 | $ 135,000 |
| Des Moines-West Des Moines, IA | 1 | $ 47,505,000 | $ 47,505,000 | $ 0 |
| Dover, DE | 1 | $ 355,000 | $ 355,000 | $ 179,000 |
| Elmira, NY | 1 | $ 195,000 | $ 195,000 | $ 188,000 |
| Fort Wayne, IN | 1 | $ 435,000 | $ 435,000 | $ 200,000 |
| Gainesville, FL | 1 | $ 365,000 | $ 365,000 | $ 83,000 |
| Greeley, CO | 1 | $ 505,000 | $ 505,000 | $ 172,000 |
| Greenville, NC | 1 | $ 465,000 | $ 465,000 | $ 200,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 325,000 | $ 325,000 | $ 77,000 |
| Hinesville, GA | 1 | $ 195,000 | $ 195,000 | $ 43,000 |
| Iowa City, IA | 1 | $ 315,000 | $ 315,000 | $ 108,000 |
| Kennewick-Richland, WA | 1 | $ 465,000 | $ 465,000 | $ 86,000 |
| Killeen-Temple, TX | 1 | $ 185,000 | $ 185,000 | $ 205,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 255,000 | $ 255,000 | $ 91,000 |
| Lafayette, LA | 1 | $ 1,125,000 | $ 1,125,000 | $ 300,000 |
| Lewiston-Auburn, ME | 1 | $ 245,000 | $ 245,000 | $ 207,000 |
| Lubbock, TX | 1 | $ 75,000 | $ 75,000 | $ 76,000 |
| Madison, WI | 1 | $ 575,000 | $ 575,000 | $ 175,000 |
| Montgomery, AL | 1 | $ 105,000 | $ 105,000 | $ 13,000 |
| Ogden-Clearfield, UT | 1 | $ 365,000 | $ 365,000 | $ 72,000 |
| Peoria, IL | 1 | $ 215,000 | $ 215,000 | $ 140,000 |
| Portland-South Portland, ME | 1 | $ 565,000 | $ 565,000 | $ 198,000 |
| Punta Gorda, FL | 1 | $ 325,000 | $ 325,000 | $ 150,000 |
| Reno, NV | 1 | $ 535,000 | $ 535,000 | $ 240,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| Sebring, FL | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| Spartanburg, SC | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Spokane-Spokane Valley, WA | 1 | $ 215,000 | $ 215,000 | $ 681,000 |
| Sumter, SC | 1 | $ 255,000 | $ 255,000 | $ 98,000 |
| Tuscaloosa, AL | 1 | $ 215,000 | $ 215,000 | $ 465,000 |
| Utica-Rome, NY | 1 | $ 105,000 | $ 105,000 | $ 112,000 |
| Wichita, KS | 1 | $ 295,000 | $ 295,000 | $ 116,000 |
| Winston-Salem, NC | 1 | $ 275,000 | $ 275,000 | $ 118,000 |
| Worcester, MA-CT | 1 | $ 145,000 | $ 145,000 | $ 140,000 |
| Yuma, AZ | 1 | $ 545,000 | $ 545,000 | $ 343,000 |
Mortgage Loan Application Detail Totals for HSBC Bank USA, NA in 2022
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 | 5,631 | $4,594,535,000 | $816,000 | $64,005,000 | $268,000 | $7,555,000 |
| Cash-out Refinancing | 1,652 | $1,118,810,000 | $677,000 | $90,005,000 | $201,000 | $8,750,000 |
| Refinancing | 1,523 | $844,935,000 | $554,000 | $11,765,000 | $231,000 | $7,911,000 |
| Other Purpose | 483 | $275,215,000 | $569,000 | $10,005,000 | $491,000 | $7,920,000 |
| Home Improvement | 451 | $128,145,000 | $284,000 | $15,005,000 | $357,000 | $9,021,000 |
| Not Applicable | 1 | $995,000 | $995,000 | $995,000 | $1,098,000 | $1,098,000 |
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 | 4,335 | $2,187,425,000 | $504,000 | $90,005,000 | $119,000 | $1,680,000 |
| Not Provided | 2,684 | $2,508,930,000 | $934,000 | $21,005,000 | $456,000 | $9,021,000 |
| Asian | 1,273 | $1,282,135,000 | $1,007,000 | $5,345,000 | $325,000 | $3,111,000 |
| White | 1,093 | $801,145,000 | $732,000 | $9,375,000 | $331,000 | $4,211,000 |
| Hispanic | 214 | $127,630,000 | $596,000 | $5,075,000 | $287,000 | $2,885,000 |
| Black or African American | 126 | $45,030,000 | $357,000 | $4,505,000 | $232,000 | $5,898,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,960,000 | $980,000 | $1,485,000 | $229,000 | $300,000 |
| American Indian or Alaskan Native | 1 | $245,000 | $245,000 | $245,000 | $90,000 | $90,000 |
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) | 9,128 | $6,704,140,000 | $734,000 | $90,005,000 | $277,000 | $9,021,000 |
| FHA-insured (Federal Housing Administration) | 509 | $217,185,000 | $426,000 | $985,000 | $103,000 | $303,000 |
| VA-guaranteed (Veterans Administration) | 104 | $41,310,000 | $397,000 | $885,000 | $114,000 | $635,000 |
| 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 Purchased By The Institution | 4,273 | $1,472,055,000 | $344,000 | $995,000 | $119,000 | $1,680,000 |
| Loan Originated | 3,417 | $3,777,585,000 | $1,106,000 | $90,005,000 | $404,000 | $9,021,000 |
| Application Withdrawn By Applicant | 798 | $735,310,000 | $921,000 | $21,005,000 | $381,000 | $7,555,000 |
| File Closed For Incompleteness | 724 | $552,040,000 | $762,000 | $8,885,000 | $340,000 | $7,920,000 |
| Application Denied By Financial Institution | 473 | $380,945,000 | $805,000 | $10,005,000 | $336,000 | $8,750,000 |
| Application Approved But Not Accepted | 54 | $41,190,000 | $762,000 | $6,695,000 | $414,000 | $3,628,000 |
| Preapproval Denied by Financial Institution | 2 | $3,510,000 | $1,755,000 | $1,755,000 | $751,000 | $751,000 |
| 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 | 9,266 | $6,578,180,000 | $710,000 | $90,005,000 | $262,000 | $9,021,000 |
| Debt-To-Income Ratio | 212 | $161,480,000 | $761,000 | $4,715,000 | $220,000 | $2,793,000 |
| Collateral | 75 | $54,385,000 | $725,000 | $3,005,000 | $343,000 | $1,506,000 |
| Credit Application Incomplete | 66 | $70,960,000 | $1,075,000 | $8,405,000 | $551,000 | $8,750,000 |
| Other | 45 | $39,865,000 | $885,000 | $10,005,000 | $483,000 | $7,276,000 |
| Credit History | 35 | $22,975,000 | $656,000 | $4,245,000 | $281,000 | $2,100,000 |
| Unverifiable Information | 31 | $30,105,000 | $971,000 | $4,205,000 | $566,000 | $6,593,000 |
| Employment History | 6 | $2,550,000 | $425,000 | $1,005,000 | $136,000 | $225,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $2,135,000 | $427,000 | $645,000 | $114,000 | $196,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into HSBC Bank USA, NA's 2022 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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