# Queensborough National Bank & Trust Company

> **Canonical URL:** https://saferate.com/lenders/queensborough-national-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Queensborough National Bank & Trust Company is a bank, headquartered in Louisville, GA, serving borrowers across 5 states, with 319 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900C2QXQ435D8TY78
- **Headquarters:** Louisville, GA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** DE, FL, GA, SC, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.026%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,532
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 319
- **Dollar Volume:** $102 million
- **Applications Received:** 435
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $320,423
- **Average Borrower Income:** $146,987
- **Average Property Value:** $410,235

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 218 | +0.082% | $3,563 | Strong 😀 |
| FHA | 60/100 | 34 | +0.308% | $3,178 | Strong 😀 |
| VA | 69/100 | 57 | -0.456% | $3,661 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 198 loans, Score: 62/100 (Strong)
- Refinance: 20 loans, Score: 44/100 (Sound)

**FHA:**
- Purchase: 33 loans, Score: 60/100 (Sound)

**VA:**
- Purchase: 57 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 298 | $97M | +0.019% | Strong 😀 |
| Refinance | 41/100 | 21 | $5M | +0.119% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 266 | 0.19% | 77/100 |
| SC | 49 | 0.06% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Augusta | GA-SC | 266 | 100/100 |
| Non |  | 27 | 35/100 |
| Savannah, GA | GA | 15 | 55/100 |

## Where This Lender Ranks

Queensborough National Bank & Trust Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Augusta for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#10** in Augusta for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Augusta for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/banks/va-loans)
- 🏆 **#13** in Augusta Banks
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/banks)
- 🏆 **#14** in Augusta for FHA Loans
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/fha-loans)
- 🏆 **#20** in Savannah, GA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/savannah-ga/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Queensborough National Bank & Trust Company offer?

Queensborough National Bank & Trust Company offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Queensborough National Bank & Trust Company offer mortgages?

Queensborough National Bank & Trust Company offers mortgages in 5 states: DE, FL, GA, SC, WI.

### How competitive are Queensborough National Bank & Trust Company's mortgage rates?

Queensborough National Bank & Trust Company has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.026% above market average.

### What type of lender is Queensborough National Bank & Trust Company?

Queensborough National Bank & Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Louisville, GA.

### What is Queensborough National Bank & Trust Company's loan approval success rate?

Queensborough National Bank & Trust Company has a pull-through score of 71/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/queensborough-national-bank-trust

### How to Cite

> "Queensborough National Bank & Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/queensborough-national-bank-trust

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