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 score and performance metrics.

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 an overall pricing score of 36.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

Queensborough National Bank & Trust Company is a Bank headquartered in Louisville, GA.

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Queensborough National Bank & Trust Company

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Queensborough National Bank & Trust Company has 319 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Strong

4/5

Regional · 2 mkts

Awards

FHA

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA loans

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Queensborough National Bank & Trust Company performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+2.6 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Strong	218	68.3%	+0.082%Above	$3,563Fees
FHA Loans	Strong	Strong	Sound	Strong	34	10.7%	+0.308%Above	$3,178Fees
VA Loans	Strong	Strong	Acceptable	Strong	57	17.9%	-0.456%Below	$3,661Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume218

Mix68.3%

Spread

+0.082%Above

Fees

$3,563Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume34

Mix10.7%

Spread

+0.308%Above

Fees

$3,178Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume57

Mix17.9%

Spread

-0.456%Below

Fees

$3,661Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Strong	298	93.4%	+0.019%Above	$3,580Fees
Refinance	Sound	Sound	Sound	Strong	21	6.6%	+0.119%Above	$2,900Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume298

Mix93.4%

Spread

+0.019%Above

Fees

$3,580Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume21

Mix6.6%

Spread

+0.119%Above

Fees

$2,900Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

319

Applications

435

Volume

$102 million

Pricing & Closing

Avg Rate Spread

+0.026%

vs. market APOR

Avg Net Fees

$3,532

Origination − Credits

Pullthrough Rate

73.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$320,423

Avg Borrower Income

$146,987

Avg Property Value

$410,235

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Midwest1

South4

DEFLGASC

Top Metro Areas by Place Specialization Score

Augusta, GA-SCMetro

Volume 266Mix 83.39% of portfolio

100/100

Exceptional

Savannah, GAMetro

Volume 15Mix 4.70% of portfolio

55/100

Sound

Top States by Place Specialization Score

GeorgiaState

Volume 266Mix 83.39% of portfolio

77/100

Strong

South CarolinaState

Volume 49Mix 15.36% of portfolio

60/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.