Queensborough National Bank & Trust Company mortgage approval rate & lending review
Queensborough National Bank & Trust Company decided 1,120 mortgage applications and funded 1,016 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Queensborough National Bank & Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Queensborough National Bank & Trust Company at a glance
Approval is 8.0 points above the 85.4% 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 | 95% | 738 / 779 | 98% | $315K | 725 |
| Cash-out refinance | 77% | 27 / 35 | 100% | $215K | 27 |
| Investment property purchase | 94% | 198 / 211 | 95% | $145K | 189 |
| Investment refinance | 93% | 26 / 28 | 96% | $115K | 25 |
Queensborough National Bank & Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 93% | $315K | 944 | 854 |
| South Carolina | 96% | $275K | 164 | 154 |
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 Queensborough National Bank & Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Columbia County, GA | Mortgage lenders | 96% | 433 | 412 |
| Richmond County, GA | Mortgage lenders | 95% | 153 | 141 |
| Aiken County, SC | Mortgage lenders | 96% | 120 | 113 |
| Richmond County, GA | Investment property purchase | 94% | 93 | 82 |
| Columbia County, GA | Investment property purchase | 98% | 65 | 62 |
| Chatham County, GA | Mortgage lenders | 86% | 42 | 35 |
| Chatham County, GA | Investment property purchase | 83% | 24 | 19 |
The county markets where Queensborough National Bank & Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Queensborough National Bank & Trust Company
What is Queensborough National Bank & Trust Company's mortgage approval rate?
Queensborough National Bank & Trust Company approved 93.4% of the 1,120 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.0 points above the 85.4% national rate for the same mix of loan types.
How often do borrowers take the loan Queensborough National Bank & Trust Company offers?
Borrowers accepted 97% of the loans Queensborough National Bank & Trust Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Queensborough National Bank & Trust Company make?
The typical home purchase mortgage loan Queensborough National Bank & Trust Company made was $315K; across all loan types its typical loan ran from $115K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Queensborough National Bank & Trust Company lend?
Queensborough National Bank & Trust Company decided applications in 11 of the states Fat Boy Data covers, most of them in Georgia, South Carolina and Florida.
Can I apply to Queensborough National Bank & Trust Company directly?
Yes. Queensborough National Bank & Trust Company is a bank or credit union with 25 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Queensborough National Bank & Trust Company'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 Queensborough National Bank & Trust Company treats applications, then get a rate quote from the lender.