HSBC Bank USA in Texas vs the state
9.4%Denial rate-10.05 pts vs state
13.0%Decision denial rate-11.86 pts vs state
62.5%Origination rate+7.62 pts vs state
6.06%Median rate-0.44 pts vs state
0.06Rate spread (pts)-0.14 pts vs state
$330kMedian applicant income
60Loans originated
9Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 139 | 82 | 6.5% | 6.28% | #493 |
| 2024 | 123 | 78 | 4.9% | 6.32% | #513 |
| 2025 | 96 | 60 | 9.4% | 6.06% | #565 |
What HSBC Bank USA lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most HSBC Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 19 | 13 | 2 | 10.5% |
| Harris County | 17 | 12 | 1 | 5.9% |
| Dallas County | 12 | 6 | 0 | 0.0% |
| Collin County | 8 | 5 | 1 | 12.5% |
| Bexar County | 7 | 4 | 2 | 28.6% |
| Tarrant County | 6 | 4 | 1 | 16.7% |
| Fort Bend County | 6 | 2 | 0 | 0.0% |
| Williamson County | 5 | 5 | 0 | 0.0% |
| Denton County | 5 | 3 | 0 | 0.0% |
| Montgomery County | 4 | 1 | 1 | 25.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 96 applications in 2025, of which 60 were originated and 9 denied.
9.4% of all applications, or 13.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans HSBC Bank USA originated in Texas in 2025 was 6.06%, against a statewide median of 6.50%.
About this data. Figures are HSBC Bank USA's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology