Queensborough National Bank & Trust Company
Queensborough National Bank & Trust Company received 530 applications in 2025 and made 419 mortgages, in 49 counties across 10 states. The median rate its borrowers got was 6.428% on a median loan of $275,000. Of 474 decisions, 37 were denials — 7.8%, most often for credit history.
| Legal Entity Identifier | 254900C2QXQ435D8TY78 |
|---|---|
| Applications received | 530 |
| Mortgages made | 419 |
| Denied | 37 |
| Approved, not taken up | 18 |
| Withdrawn or incomplete | 56 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.0385 points |
| FDIC-insured bank | Yes: Queensborough National Bank & Trust Company, 25 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 343 | 6.375% | $295,000 | 5.1% |
| Refinancing | 31 | 6.875% | $185,000 | 10.3% |
| Cash-out refinancing | 13 | 6.125% | $235,000 | 23.5% |
| Other purposes | 32 | 7.495% | $110,000 | 22.7% |
Where Queensborough National Bank & Trust Company lends most
The 49 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Columbia County, GA | 148 | 6.250% | 3.8% |
| Richmond County, GA | 68 | 6.500% | 6.3% |
| Aiken County, SC | 40 | 6.188% | 2.4% |
| Chatham County, GA | 27 | 7.250% | 17.7% |
| McDuffie County, GA | 20 | 6.688% | 9.1% |
| Burke County, GA | 17 | 6.625% | 10.0% |
| Edgefield County, SC | 12 | 6.250% | 0.0% |
| Effingham County, GA | 11 | 7.250% | 7.7% |
| Jefferson County, GA | 10 | 6.750% | 9.1% |
| Bulloch County, GA | 7 | Under 10 loans | 0.0% |
| Screven County, GA | 7 | Under 10 loans | 11.1% |
| Beaufort County, SC | 5 | Under 10 loans | 0.0% |
| Bryan County, GA | 3 | Under 10 loans | 0.0% |
| Cobb County, GA | 3 | Under 10 loans | 0.0% |
| Jenkins County, GA | 3 | Under 10 loans | 40.0% |
| Lincoln County, GA | 3 | Under 10 loans | 0.0% |
| Warren County, GA | 3 | Under 10 loans | 0.0% |
| Berkeley County, SC | 3 | Under 10 loans | 0.0% |
| Richland County, SC | 3 | Under 10 loans | 0.0% |
| Glynn County, GA | 2 | Under 10 loans | 0.0% |
| Long County, GA | 2 | Under 10 loans | 33.3% |
| McCormick County, SC | 2 | Under 10 loans | 33.3% |
| Flagler County, FL | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Candler County, GA | 1 | Under 10 loans | 0.0% |
| Emanuel County, GA | 1 | Under 10 loans | 50.0% |
| Glascock County, GA | 1 | Under 10 loans | 0.0% |
| Irwin County, GA | 1 | Under 10 loans | 0.0% |
| Liberty County, GA | 1 | Under 10 loans | 50.0% |
| Oconee County, GA | 1 | Under 10 loans | 0.0% |
| Paulding County, GA | 1 | Under 10 loans | 0.0% |
| Tattnall County, GA | 1 | Under 10 loans | 0.0% |
| Walton County, GA | 1 | Under 10 loans | 0.0% |
| Washington County, GA | 1 | Under 10 loans | 33.3% |
| Johnson County, MO | 1 | Under 10 loans | 0.0% |
| Clermont County, OH | 1 | Under 10 loans | 0.0% |
| Greenville County, SC | 1 | Under 10 loans | 0.0% |
| Jasper County, SC | 1 | Under 10 loans | 0.0% |
| Newberry County, SC | 1 | Under 10 loans | 0.0% |
| Kinney County, TX | 1 | Under 10 loans | 0.0% |
| Louisa County, VA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 0 | Under 10 loans | 100.0% |
| Gwinnett County, GA | 0 | Under 10 loans | 100.0% |
| Harris County, GA | 0 | Under 10 loans | 100.0% |
| Johnson County, GA | 0 | Under 10 loans | 100.0% |
| Tangipahoa Parish, LA | 0 | Under 10 loans | Not published |
| Jackson County, MS | 0 | Under 10 loans | 100.0% |
| Nassau County, NY | 0 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.