Queensborough National Bank & Trust in Georgia vs the state
7.7%Denial rate-11.51 pts vs state
8.6%Decision denial rate-16.46 pts vs state
78.0%Origination rate+23.91 pts vs state
6.50%Median rate-0.13 pts vs state
0.05Rate spread (pts)-0.22 pts vs state
$121kMedian applicant income
344Loans originated
34Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 610 | 449 | 10.0% | 6.63% | #111 |
| 2024 | 528 | 386 | 8.9% | 6.63% | #139 |
| 2025 | 441 | 344 | 7.7% | 6.50% | #163 |
What Queensborough National Bank & Trust lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Queensborough National Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Columbia County | 181 | 148 | 6 | 3.3% |
| Richmond County | 90 | 68 | 5 | 5.6% |
| Chatham County | 34 | 27 | 6 | 17.6% |
| McDuffie County | 24 | 20 | 2 | 8.3% |
| Burke County | 22 | 17 | 2 | 9.1% |
| Effingham County | 15 | 11 | 1 | 6.7% |
| Jefferson County | 12 | 10 | 1 | 8.3% |
| Bulloch County | 9 | 7 | 0 | 0.0% |
| Screven County | 9 | 7 | 1 | 11.1% |
| Jenkins County | 5 | 3 | 2 | 40.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 441 applications in 2025, of which 344 were originated and 34 denied.
7.7% of all applications, or 8.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Queensborough National Bank & Trust originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Queensborough National Bank & Trust's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology