Applications / Mortgage Analytics / Lenders / Virginia / HSBC Bank USA
Tysons, VA · National bank · OCC · $165 billion assets · 3,065 loans in 2025
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3,065
loans originated, 2025
4,645
applications, 2025
39
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
HSBC Bank USA is a lender of large loans, with a typical loan of $945,000 against $205,000 at similar banks, and its loan count fell 16% in 2025 while similar lenders grew.
Jumbo loans (larger than the conforming limit) were 41.7% of its lending against 1.7% at similar lenders (national banks making between half and twice as many loans), and its typical loan was the highest among them. So its 3,065 loans came to $3.82 billion, against a typical $751.6 million.
Originations fell 16%, while the typical similar lender and the whole market each grew 10%; its growth was lower than more than nine in ten peers. Its jumbo share also fell from 51.2% and its typical loan from $1.1 million. The decline could reflect a move away from its largest loans.
It ranks 6 of 459 lenders in San Jose-Sunnyvale-Santa Clara, CA, but its share fell to 4.0% from 6.8%, behind Wells Fargo Bank and Bank of America among others. This could reflect the same move away from its largest loans.
Low- and moderate-income (LMI) borrowers took 2.4% of its loans against 27.2%, among the lowest tenth of similar lenders, and LMI neighbourhoods 8.2% against 14.7%. This could reflect loan sizes near its typical $945,000, which few LMI borrowers would take on. Majority-minority neighbourhoods took 48.5% against 8.7%, higher than more than nine in ten, which could reflect markets such as San Jose and Los Angeles.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. HSBC Bank USA took 4,645 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.5% · Refinance 19.9% · Home improvement 6.4% · Other 3.3%
Conventional 100.0% · of 3,065 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,526 | 49.8% |
| New York | 538 | 17.6% |
| Washington | 358 | 11.7% |
| New Jersey | 144 | 4.7% |
| Florida | 134 | 4.4% |
| Texas | 60 | 2.0% |
| Connecticut | 37 | 1.2% |
| Massachusetts | 25 | 0.8% |
| North Carolina | 24 | 0.8% |
| Illinois | 22 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Jose-Sunnyvale-Santa Clara | 786 |
| New York-Jersey City-White Plains | 480 |
| Seattle-Bellevue-Kent | 310 |
| San Francisco-San Mateo-Redwood City | 254 |
| Oakland-Fremont-Berkeley | 185 |
| Los Angeles-Long Beach-Glendale | 150 |
| Miami-Miami Beach-Kendall | 77 |
| Nassau County-Suffolk County | 71 |
| Anaheim-Santa Ana-Irvine | 55 |
| Newark | 53 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 1IE8VN30JCEQV1H4R804 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 413208 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124522 | 2004–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9413208 | 2011–2017 |
Established 1 July 2004. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: HSBC Bank USA's data.
HSBC Bank USA's data
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HSBC Bank USA and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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