HSBC Bank USA in Colorado vs the state
3.1%Denial rate-12.50 pts vs state
5.0%Decision denial rate-14.66 pts vs state
53.1%Origination rate-6.89 pts vs state
5.98%Median rate-0.64 pts vs state
-0.12Rate spread (pts)-0.27 pts vs state
$324kMedian applicant income
17Loans originated
1Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 22 | 6.5% | 6.49% | #354 |
| 2024 | 30 | 16 | 3.3% | 6.28% | #352 |
| 2025 | 32 | 17 | 3.1% | 5.98% | #362 |
What HSBC Bank USA lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most HSBC Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Eagle County | 8 | 2 | 0 | 0.0% |
| Boulder County | 5 | 2 | 0 | 0.0% |
| Denver County | 4 | 4 | 0 | 0.0% |
| Arapahoe County | 3 | 1 | 0 | 0.0% |
| Douglas County | 3 | 3 | 0 | 0.0% |
| El Paso County | 2 | 0 | 0 | 0.0% |
| Larimer County | 2 | 1 | 0 | 0.0% |
| Park County | 1 | 1 | 0 | 0.0% |
| Weld County | 1 | 1 | 0 | 0.0% |
| Routt County | 1 | 0 | 1 | 100.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 32 applications in 2025, of which 17 were originated and 1 denied.
3.1% of all applications, or 5.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans HSBC Bank USA originated in Colorado in 2025 was 5.98%, against a statewide median of 6.63%.
About this data. Figures are HSBC Bank USA's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology