HSBC Bank
Last verified September 16, 2026
HSBC Bank is a mortgage lender headquartered in New York, NY, operating for over 161 years. Use the mortgagee clause below to list HSBC Bank correctly on a homeowners insurance policy.
Mortgagee Clause
HSBC Bank USA, N.A., ISAOA/ATIMA
Company Profile
- Headquarters
- New York, NY
- Years in Business
- 161+
Source: Parent company HSBC Holdings plc's stated founding (1865) per corporate history; the current HSBC Bank USA entity traces to Marine Midland Bank, renamed HSBC Bank USA in 1999.
Contact
- Phone
- 855-527-8400
- Fax
- 855-640-4865
- HSBC@ihaveinsurance.com
- Website
- https://www.us.hsbc.com/home-loans/customer-help/ (opens in a new tab)
Source: us.hsbc.com.
Mailing Address
HSBC Insurance Department, PO Box 961292Fort Worth, TX 76161-0292
Additional Notes
Insurance documents can also be uploaded online at ihaveinsurance.com/HSBC or emailed to HSBC@ihaveinsurance.com. Include your loan number on all correspondence.
Understanding Your Mortgagee Clause
A mortgagee clause is the exact wording your homeowners insurance policy must carry so that if the property is damaged, your lender's financial interest is protected alongside your own. It has three parts: the lender's legal name, the ISAOA/ATIMA designation, and the lender's mailing address for insurance correspondence — all three need to match what the lender has on file.
ISAOA stands for "Its Successors and/or Assigns." ATIMA stands for "As Their Interests May Appear." Together they mean that if your loan is later sold or transferred to another company — which happens often in the mortgage industry — your policy's protection automatically follows the loan to its new owner, with no need to update the policy yourself.
Getting the clause wrong is more than a paperwork issue: an insurer that can't match your policy to your lender's records may flag it as lapsed, which can trigger lender-placed (and usually far more expensive) coverage. If HSBC Bank has sold or transferred your loan since your policy was written, double-check the clause above against your most recent mortgage statement before renewing.