Queensborough National Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
59th7.8% deniedPricingmedian rate spread over APOR, weight 30%
78th0.04 ptsProcesswithdrawn + incomplete share, weight 15%
55th10.6%Closing coststotal loan costs ÷ loan amount, weight 10%
20th2.95% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 715 | 520 | 9.2% | 11.0% | 6.63% | $168M |
| 2024 | 621 | 453 | 8.2% | 9.8% | 6.63% | $162M |
| 2025 | 530 | 419 | 7.0% | 7.8% | 6.43% | $153M |
What Queensborough National Bank & Trust 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, 8 manufactured homes, 123 investment properties.
Why Queensborough National Bank & Trust denies applications
Primary reason reported for each of the 37 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Queensborough National Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 22 | 13 | 33.3% |
| $50k – $100k | 164 | 129 | 8.8% |
| $100k – $150k | 98 | 73 | 8.8% |
| $150k – $250k | 96 | 79 | 5.8% |
| Over $250k | 74 | 60 | 1.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 25 | 21 | 4.6% |
| 25–34 | 105 | 89 | 5.3% |
| 35–44 | 98 | 74 | 8.5% |
| 45–54 | 91 | 75 | 7.3% |
| 55–64 | 70 | 47 | 17.7% |
| 65–74 | 58 | 41 | 9.6% |
Where Queensborough National Bank & Trust lends
10 states and 49 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 441 | 344 | 7.7% | 6.50% | #163 |
| South Carolina | 79 | 68 | 2.5% | 6.38% | #284 |
Frequently asked questions
Queensborough National Bank & Trust denied 7.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 59th percentile of small mortgage lenders.
The most common reason Queensborough National Bank & Trust gave in 2025 was "credit history", cited on 43.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Queensborough National Bank & Trust originated in 2025 was 6.43%, and its median rate spread over the average prime offer rate was 0.04 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 78% of its applications were for home purchases, 12% for refinancing (including cash-out), and 9% for home improvement or other purposes. By loan type: 78% conventional, 7% FHA, 13% 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.