QNB Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
32nd14.5% deniedProcesswithdrawn + incomplete share, weight 15%
59th9.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 277 | 189 | 15.5% | 18.1% | — | $54M |
| 2024 | 266 | 193 | 14.3% | 15.9% | — | $57M |
| 2025 | 260 | 194 | 13.1% | 14.5% | — | $91M |
What QNB Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 83 investment properties.
Who gets approved at QNB Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 21 | 13 | 38.1% |
| $50k – $100k | 69 | 51 | 17.2% |
| $100k – $150k | 43 | 30 | 16.2% |
| $150k – $250k | 34 | 21 | 21.4% |
| Over $250k | 20 | 13 | 12.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 29 | 18 | 24.0% |
| 35–44 | 41 | 27 | 26.3% |
| 45–54 | 24 | 18 | 18.2% |
| 55–64 | 40 | 28 | 17.7% |
| 65–74 | 38 | 26 | 18.2% |
Where QNB Bank lends
1 states and 11 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 260 | 194 | 13.1% | — | #240 |
Frequently asked questions
QNB Bank denied 14.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 32nd percentile of small mortgage lenders.
In 2025, 44% of its applications were for home purchases, 26% for refinancing (including cash-out), and 30% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.