HFC, which was a consumer lending company that was owned by HSBC and that made mortgage and home equity loans, closed in 2009, according to The Truth About Mortgages; it is therefore not possible to apply for a mortgage through HFC. HSBC took over all mortgages previously handled by HFC.
As of 2016, HSBC makes mortgage and home equity loans under the name of HSBC Mortgage Services. HSBC also makes auto loans and issues credit cards. HSBC Mortgage Services provides customers with online access to their accounts. Its website also helps customers with payment difficulties, provides documents for Successors in Interest, and makes its policies clear regarding default-related fees, as HSBC Mortgage Services explains.