HSBC Bank USA in California vs the state
3.9%Denial rate-13.51 pts vs state
5.1%Decision denial rate-17.34 pts vs state
72.8%Origination rate+16.64 pts vs state
5.86%Median rate-0.76 pts vs state
-0.06Rate spread (pts)-0.33 pts vs state
$387kMedian applicant income
1,526Loans originated
82Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,469 | 1,070 | 5.2% | 6.19% | #105 |
| 2024 | 2,652 | 1,951 | 2.7% | 6.00% | #67 |
| 2025 | 2,095 | 1,526 | 3.9% | 5.86% | #103 |
What HSBC Bank USA lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most HSBC Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Santa Clara County | 988 | 786 | 14 | 1.4% |
| Los Angeles County | 256 | 150 | 19 | 7.4% |
| Alameda County | 238 | 170 | 7 | 2.9% |
| San Mateo County | 209 | 163 | 3 | 1.4% |
| San Francisco County | 128 | 91 | 4 | 3.1% |
| Orange County | 98 | 55 | 16 | 16.3% |
| San Diego County | 64 | 47 | 3 | 4.7% |
| Contra Costa County | 34 | 15 | 4 | 11.8% |
| Marin County | 11 | 8 | 1 | 9.1% |
| Sacramento County | 9 | 3 | 1 | 11.1% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,095 applications in 2025, of which 1,526 were originated and 82 denied.
3.9% of all applications, or 5.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans HSBC Bank USA originated in California in 2025 was 5.86%, against a statewide median of 6.63%.
About this data. Figures are HSBC Bank USA's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology