HSBC Bank USA in Missouri vs the state
11.1%Denial rate-3.96 pts vs state
16.7%Decision denial rate-2.03 pts vs state
55.6%Origination rate-7.10 pts vs state
5.74%Median rate-0.88 pts vs state
-0.27Rate spread (pts)-0.62 pts vs state
$248kMedian applicant income
5Loans originated
1Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 8 | 0.0% | 6.55% | #486 |
| 2024 | 8 | 7 | 0.0% | 6.70% | #516 |
| 2025 | 9 | 5 | 11.1% | 5.74% | #521 |
What HSBC Bank USA lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most HSBC Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis city | 4 | 4 | 0 | 0.0% |
| Cass County | 2 | 0 | 1 | 50.0% |
| St. Louis County | 1 | 1 | 0 | 0.0% |
| Crawford County | 1 | 0 | 0 | 0.0% |
| St. Charles County | 1 | 0 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 9 applications in 2025, of which 5 were originated and 1 denied.
11.1% of all applications, or 16.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans HSBC Bank USA originated in Missouri in 2025 was 5.74%, against a statewide median of 6.63%.
About this data. Figures are HSBC Bank USA's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology