HSBC Bank USA in Florida vs the state
14.4%Denial rate-6.67 pts vs state
22.1%Decision denial rate-5.15 pts vs state
50.8%Origination rate-1.93 pts vs state
6.03%Median rate-0.60 pts vs state
-0.04Rate spread (pts)-0.31 pts vs state
$435kMedian applicant income
134Loans originated
38Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 300 | 153 | 16.3% | 6.30% | #309 |
| 2024 | 278 | 136 | 9.4% | 6.39% | #331 |
| 2025 | 264 | 134 | 14.4% | 6.03% | #330 |
What HSBC Bank USA lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most HSBC Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 145 | 77 | 22 | 15.2% |
| Broward County | 28 | 12 | 5 | 17.9% |
| Palm Beach County | 26 | 14 | 5 | 19.2% |
| Orange County | 14 | 7 | 3 | 21.4% |
| Pinellas County | 6 | 2 | 0 | 0.0% |
| Osceola County | 6 | 2 | 0 | 0.0% |
| Lake County | 5 | 1 | 2 | 40.0% |
| Lee County | 5 | 4 | 0 | 0.0% |
| Collier County | 4 | 3 | 0 | 0.0% |
| Manatee County | 3 | 2 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 264 applications in 2025, of which 134 were originated and 38 denied.
14.4% of all applications, or 22.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans HSBC Bank USA originated in Florida in 2025 was 6.03%, against a statewide median of 6.63%.
About this data. Figures are HSBC Bank USA's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology