HSBC Bank USA in Tennessee vs the state
9.5%Denial rate-7.62 pts vs state
11.8%Decision denial rate-9.92 pts vs state
71.4%Origination rate+13.35 pts vs state
5.99%Median rate-0.63 pts vs state
0.06Rate spread (pts)-0.18 pts vs state
$300kMedian applicant income
15Loans originated
2Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 16 | 5.0% | 6.24% | #514 |
| 2024 | 22 | 18 | 4.6% | 6.23% | #510 |
| 2025 | 21 | 15 | 9.5% | 5.99% | #528 |
What HSBC Bank USA lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most HSBC Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 6 | 5 | 1 | 16.7% |
| Davidson County | 4 | 3 | 0 | 0.0% |
| Shelby County | 3 | 3 | 0 | 0.0% |
| Wilson County | 1 | 0 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Roane County | 1 | 1 | 0 | 0.0% |
| Bradley County | 1 | 0 | 0 | 0.0% |
| Knox County | 1 | 0 | 0 | 0.0% |
| Rutherford County | 1 | 0 | 1 | 100.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 21 applications in 2025, of which 15 were originated and 2 denied.
9.5% of all applications, or 11.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans HSBC Bank USA originated in Tennessee in 2025 was 5.99%, against a statewide median of 6.62%.
About this data. Figures are HSBC Bank USA's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology