HSBC Bank USA in Maryland vs the state
7.7%Denial rate-11.11 pts vs state
9.5%Decision denial rate-14.61 pts vs state
69.2%Origination rate+13.52 pts vs state
6.22%Median rate-0.40 pts vs state
0.08Rate spread (pts)-0.17 pts vs state
$228kMedian applicant income
18Loans originated
2Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32 | 20 | 15.6% | 6.55% | #344 |
| 2024 | 24 | 8 | 4.2% | 6.43% | #391 |
| 2025 | 26 | 18 | 7.7% | 6.22% | #385 |
What HSBC Bank USA lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most HSBC Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 19 | 13 | 2 | 10.5% |
| Frederick County | 2 | 2 | 0 | 0.0% |
| Baltimore County | 1 | 0 | 0 | 0.0% |
| Anne Arundel County | 1 | 0 | 0 | 0.0% |
| St. Mary's County | 1 | 1 | 0 | 0.0% |
| Prince George's County | 1 | 1 | 0 | 0.0% |
| Howard County | 1 | 1 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 26 applications in 2025, of which 18 were originated and 2 denied.
7.7% of all applications, or 9.5% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans HSBC Bank USA originated in Maryland in 2025 was 6.22%, against a statewide median of 6.63%.
About this data. Figures are HSBC Bank USA's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology