HSBC Bank USA in Pennsylvania vs the state
5.6%Denial rate-12.73 pts vs state
8.3%Decision denial rate-13.88 pts vs state
58.3%Origination rate-2.63 pts vs state
6.15%Median rate-0.47 pts vs state
-0.08Rate spread (pts)-0.32 pts vs state
$285kMedian applicant income
21Loans originated
2Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 51 | 35 | 2.0% | 6.39% | #474 |
| 2024 | 34 | 23 | 11.8% | 6.60% | #535 |
| 2025 | 36 | 21 | 5.6% | 6.15% | #525 |
What HSBC Bank USA lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most HSBC Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chester County | 8 | 5 | 0 | 0.0% |
| Philadelphia County | 6 | 0 | 1 | 16.7% |
| Montgomery County | 5 | 5 | 0 | 0.0% |
| Bucks County | 4 | 3 | 0 | 0.0% |
| Lehigh County | 2 | 0 | 0 | 0.0% |
| Allegheny County | 2 | 2 | 0 | 0.0% |
| Delaware County | 2 | 1 | 0 | 0.0% |
| Lancaster County | 1 | 0 | 1 | 100.0% |
| Lackawanna County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 36 applications in 2025, of which 21 were originated and 2 denied.
5.6% of all applications, or 8.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans HSBC Bank USA originated in Pennsylvania in 2025 was 6.15%, against a statewide median of 6.63%.
About this data. Figures are HSBC Bank USA's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology