HSBC BANK USA, NATIONAL ASSOCIATION
3,065 mortgages originated in 2025 across 6 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,065
- Median rate
- 5.948%
- Median lender fees
- $5,907
- Median loan amount
- $945,000
- Median spread over APOR
- -0.063
- Paid discount points
- 5.5%
- Received lender credits
- 76.2%
- Purchases / refinances
- 70.5% / 19.9%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 80.3% of loans here — see methodology.
Where HSBC BANK USA, NATIONAL ASSOCIATION lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 1,526 | $5,579 | 5.860% |
| New York | 538 | $6,549 | 5.990% |
| Washington | 358 | $5,800 | 5.837% |
| New Jersey | 144 | $7,112 | 5.990% |
| Florida | 134 | $8,584 | 6.025% |
| Texas | 60 | $8,435 | 6.064% |