We analyzed every closed loan from HSBC Bank USA — 2.8k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Sound
3/5
National · 23 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Jumbo
Champion
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 17.70 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
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Report Card
HSBC Bank USA performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 17.7 bps below market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,323 loans · 0.11% below market
Strong
Top 40% of lenders
4/5
Jumbo
1,517 loans · 0.24% below market
Exceptional
Top 10% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,475 loans · 0.17% below market
Exceptional
Top 20% of lenders
5/5
Refinance
365 loans · 0.25% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 24 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,323 | 46.6% | -0.114%Below | $301Credit | ||||
Jumbo Loans | 1,517 | 53.4% | -0.238%Below | $1,405Credit |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume1,323
Mix46.6%
Spread
-0.114%Below
Fees
$301Credit
Jumbo Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume1,517
Mix53.4%
Spread
-0.238%Below
Fees
$1,405Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,475 | 87.1% | -0.166%Below | $485Credit | ||||
Refinance | 365 | 12.9% | -0.253%Below | $3,592Credit |
Purchase
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume2,475
Mix87.1%
Spread
-0.166%Below
Fees
$485Credit
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume365
Mix12.9%
Spread
-0.253%Below
Fees
$3,592Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,840
Applications
4,086
Volume
$3 billion
Pricing & Closing
Avg Rate Spread
-0.177%
vs. market APOR
Avg Net Fees
$-857
Origination − Credits
Pullthrough Rate
69.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$1,233,077
Avg Borrower Income
$456,174
Avg Property Value
$1,826,535
Geographic Coverage
Geographic Performance
Metro Areas
23
markets with activity
States Served
42
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
42Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast8
CTMEMANJNYPARIVT
Midwest9
IAILKSMIMNMONEOHWI
South14
ALARDCDEFLGAKYLAMDNCSCTNTXVA
West11
AZCACOHIMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 23 metro areas
Top States by Place Specialization Score
Showing 10 of 15 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.