HSBC Bank USA in Georgia vs the state
15.6%Denial rate-3.59 pts vs state
21.7%Decision denial rate-3.33 pts vs state
56.3%Origination rate+2.16 pts vs state
5.99%Median rate-0.63 pts vs state
0.00Rate spread (pts)-0.27 pts vs state
$271kMedian applicant income
18Loans originated
5Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 36 | 5.8% | 6.47% | #417 |
| 2024 | 40 | 24 | 10.0% | 6.61% | #459 |
| 2025 | 32 | 18 | 15.6% | 5.99% | #514 |
What HSBC Bank USA lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most HSBC Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 14 | 9 | 2 | 14.3% |
| Gwinnett County | 6 | 2 | 1 | 16.7% |
| Cobb County | 4 | 1 | 1 | 25.0% |
| Cherokee County | 2 | 2 | 0 | 0.0% |
| DeKalb County | 2 | 1 | 0 | 0.0% |
| Fayette County | 2 | 2 | 0 | 0.0% |
| Forsyth County | 1 | 1 | 0 | 0.0% |
| Muscogee County | 1 | 0 | 1 | 100.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 32 applications in 2025, of which 18 were originated and 5 denied.
15.6% of all applications, or 21.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans HSBC Bank USA originated in Georgia in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are HSBC Bank USA's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology