QNB Bank mortgage approval rate & lending review
QNB Bank decided 521 mortgage applications and funded 434 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions QNB Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
QNB Bank at a glance
Approval is 9.2 points above the 76.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 103 / 116 | 99% | $265K | 102 |
| Home improvement loans | 80% | 119 / 148 | 95% | $45K | 113 |
| Refinance | 77% | 96 / 124 | 98% | $125K | 94 |
| Investment property purchase | 96% | 82 / 85 | 99% | $285K | 81 |
| Investment refinance | 97% | 30 / 31 | 97% | $175K | 29 |
QNB Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 85% | $125K | 518 | 431 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where QNB Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bucks County, PA | Home improvement loans | 85% | 80 | 63 |
| Bucks County, PA | Refinance | 78% | 67 | 51 |
| Montgomery County, PA | Investment property purchase | 100% | 32 | 32 |
| Montgomery County, PA | Refinance | 92% | 26 | 24 |
| Lehigh County, PA | Home improvement loans | 83% | 29 | 23 |
| Bucks County, PA | Investment property purchase | 96% | 24 | 22 |
| Montgomery County, PA | Home improvement loans | 71% | 31 | 22 |
The county markets where QNB Bank made the most loans. Each link opens that market with every lender ranked.
Questions about QNB Bank
What is QNB Bank's mortgage approval rate?
QNB Bank approved 85.4% of the 521 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.2 points above the 76.2% national rate for the same mix of loan types.
How often do borrowers take the loan QNB Bank offers?
Borrowers accepted 98% of the loans QNB Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does QNB Bank make?
The typical home improvement loan loan QNB Bank made was $45K; across all loan types its typical loan ran from $45K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does QNB Bank lend?
QNB Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Pennsylvania and New Jersey.
Can I apply to QNB Bank directly?
Yes. QNB Bank is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show QNB Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how QNB Bank treats applications, then get a rate quote from the lender.