Queensborough National Bank & Trust Company
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
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
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
218 loans · 0.08% above market
Strong
Top 40% of lenders
4/5
FHA
34 loans · 0.31% above market
Strong
Top 40% of lenders
4/5
VA
57 loans · 0.46% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
298 loans · 0.02% above market
Strong
Top 40% of lenders
4/5
Refinance
21 loans · 0.12% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 218 | 68.3% | +0.082%Above | $3,563Fees | ||||
FHA Loans | 34 | 10.7% | +0.308%Above | $3,178Fees | ||||
VA Loans | 57 | 17.9% | -0.456%Below | $3,661Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume218
Mix68.3%
Spread
+0.082%Above
Fees
$3,563Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume34
Mix10.7%
Spread
+0.308%Above
Fees
$3,178Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
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 | 298 | 93.4% | +0.019%Above | $3,580Fees | ||||
Refinance | 21 | 6.6% | +0.119%Above | $2,900Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume298
Mix93.4%
Spread
+0.019%Above
Fees
$3,580Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughStrong
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
2
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
5Full-year 2024 · HMDALoans originated
< 5050+None
Midwest1
WI
South4
DEFLGASC
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.