HSBC Bank USA in South Carolina vs the state
5.9%Denial rate-12.43 pts vs state
10.0%Decision denial rate-13.47 pts vs state
52.9%Origination rate-3.67 pts vs state
6.18%Median rate-0.32 pts vs state
0.22Rate spread (pts)0.00 pts vs state
$389kMedian applicant income
9Loans originated
1Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 5 | 9.1% | 6.00% | #505 |
| 2024 | 14 | 8 | 14.3% | 7.17% | #484 |
| 2025 | 17 | 9 | 5.9% | 6.18% | #469 |
What HSBC Bank USA lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most HSBC Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Beaufort County | 7 | 4 | 1 | 14.3% |
| Berkeley County | 3 | 1 | 0 | 0.0% |
| Richland County | 2 | 0 | 0 | 0.0% |
| Charleston County | 1 | 1 | 0 | 0.0% |
| Lancaster County | 1 | 1 | 0 | 0.0% |
| Lexington County | 1 | 0 | 0 | 0.0% |
| Colleton County | 1 | 1 | 0 | 0.0% |
| York County | 1 | 1 | 0 | 0.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 17 applications in 2025, of which 9 were originated and 1 denied.
5.9% of all applications, or 10.0% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans HSBC Bank USA originated in South Carolina in 2025 was 6.18%, against a statewide median of 6.50%.
About this data. Figures are HSBC Bank USA's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology