Applications / Mortgage Analytics / Lenders / Pennsylvania / QNB Bank
Quakertown, PA · State non-member bank · FDIC · $1.9 billion assets · 194 loans in 2025
QNB Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
194
loans originated, 2025
260
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
QNB Bank lends to borrowers on low and moderate incomes about twice as often as similar banks do.
Low- and moderate-income (LMI) borrowers took 54.7% of its loans, against 27.9% at similar lenders (state non-member banks making between half and twice as many loans), a higher share than at almost all of them. Poorer neighborhoods (LMI tracts) took 37.3%, against 17.6%. Both shares are up from 2020, when they were 37.8% and 29.6%.
It made 194 loans, about as many as the 193 of 2024, while similar lenders grew 10%. But its typical loan rose to $205,000 from $105,000, and the dollars it lent rose to $91.5 million from $57.2 million. The count has stayed close to 190 since 2022, far below the 410 of 2020.
Purchases were 49.0% of its loans and refinances 26.3%, with home improvement and other purposes making up the rest. All were conventional.
It lends only in Pennsylvania, in 4 metros. In Allentown-Bethlehem-Easton, where it has lent since at least 1990, it ranks 65 of 521 lenders with an unchanged 0.4% of the market; CrossCountry Mortgage leads there. Its largest market is Philadelphia-Camden-Wilmington, where it ranks 110 of 784.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. QNB Bank took 260 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.0% · Refinance 26.3% · Home improvement 13.9% · Other 10.8%
Conventional 100.0% · of 194 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 194 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 136 |
| Allentown-Bethlehem-Easton | 42 |
| Reading | 9 |
| Philadelphia | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BPO83ZZLEVGG70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 852713 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 12366 | 1990–2006 |
| Respondent ID (the HMDA filer code before 2018) | 37714 | 2007–2017 |
Established 21 July 1877. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: QNB Bank's data.
QNB Bank's data
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QNB Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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