Q

Queensborough National Bank & Trust Company

BankLouisville, GADirect

Queensborough National Bank Trust has 319 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA
Place
Strong
Regional · 2 mkts
Safe Rate AwardsFHA SuperstarVA Superstar

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Safe Rate's 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

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Report Card

Queensborough National Bank & Trust Company performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+2.6 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Strong
Acceptable
Strong
21868.3%
+0.082%Above
$3,563Fees
FHA Loans
Strong
Strong
Sound
Strong
3410.7%
+0.308%Above
$3,178Fees
VA Loans
Strong
Strong
Acceptable
Strong
5717.9%
-0.456%Below
$3,661Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Strong
Acceptable
Strong
29893.4%
+0.019%Above
$3,580Fees
Refinance
Sound
Sound
Sound
Strong
216.6%
+0.119%Above
$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
States Served
5
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

DEFLGASCWI

Top Metro Areas by Place Specialization Score

1
Augusta, GA-SCMSA
Volume: 266Mix: 83.39%of portfolio
Place
Exceptional
2
Savannah, GA, GAMSA
Volume: 15Mix: 4.70%of portfolio
Place
Sound

Top States by Place Specialization Score

1
GAState
Volume: 266Mix: 83.39%of portfolio
Place
Strong
2
SCState
Volume: 49Mix: 15.36%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.