QNB Bank in Pennsylvania vs the state
13.1%Denial rate-5.21 pts vs state
14.5%Decision denial rate-7.74 pts vs state
74.6%Origination rate+13.66 pts vs state
—Median rate
—Rate spread (pts)
$104kMedian applicant income
194Loans originated
34Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 273 | 186 | 15.4% | — | #225 |
| 2024 | 265 | 192 | 14.3% | — | #230 |
| 2025 | 260 | 194 | 13.1% | — | #240 |
What QNB Bank lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most QNB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bucks County | 100 | 66 | 15 | 15.0% |
| Montgomery County | 81 | 68 | 8 | 9.9% |
| Lehigh County | 40 | 31 | 5 | 12.5% |
| Northampton County | 17 | 10 | 3 | 17.6% |
| Berks County | 11 | 9 | 2 | 18.2% |
| Philadelphia County | 4 | 4 | 0 | 0.0% |
| Wayne County | 2 | 2 | 0 | 0.0% |
| Chester County | 2 | 2 | 0 | 0.0% |
| Carbon County | 1 | 1 | 0 | 0.0% |
| Pike County | 1 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 260 applications in 2025, of which 194 were originated and 34 denied.
13.1% of all applications, or 14.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are QNB Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology