Applications / Mortgage Analytics / Lenders / Georgia / Queensborough National Bank & Trust Company
Louisville, GA · National bank · OCC · $2.2 billion assets · 419 loans in 2025
Queensborough National Bank & Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
419
loans originated, 2025
530
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Queensborough National Bank & Trust Company is a Georgia home-purchase lender that makes far more loans to veterans than almost any similar bank.
VA loans (guaranteed by the Department of Veterans Affairs) made up 12.9% of its originations. Similar lenders, national banks making between half and twice as many loans, typically made none, and its share was higher than at almost all of them. FHA loans (insured by the Federal Housing Administration) added 6.4%.
Purchases were 81.9% of its loans, and its typical loan was $275,000, against $205,000 at peers. Low- and moderate-income (LMI) borrowers took 16.1% of its loans, against 27.0%; larger purchase loans may be one reason. Majority-minority neighborhoods took 24.3%, a higher share than at about four in five peers.
It made 419 loans in 2025, 8% fewer than a year earlier, while similar lenders grew 5%. In 2020 it made 1,900. A purchase lender's volume may track local house sales more closely than the whole market's 10% rise.
In Augusta-Richmond County, GA-SC, where it has lent since 1999, it ranked 8 of 461 lenders. Its share slipped to 2.9% from 3.1%; its own smaller volume may account for that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Queensborough National Bank & Trust Company took 530 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.9% · Refinance 10.5% · Home improvement 5.5% · Other 2.1%
Conventional 78.8% · VA 12.9% · FHA 6.4% · USDA (RHS or FSA) 1.9% · of 419 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 |
|---|---|---|
| Georgia | 344 | 82.1% |
| South Carolina | 68 | 16.2% |
| Florida | 3 | 0.7% |
| Missouri | 1 | 0.2% |
| Ohio | 1 | 0.2% |
| Texas | 1 | 0.2% |
| Virginia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Augusta-Richmond County | 308 |
| Savannah | 41 |
| Hilton Head Island-Bluffton-Port Royal | 6 |
| Marietta | 4 |
| Charleston-North Charleston | 3 |
| Columbia | 3 |
| Hinesville | 3 |
| Brunswick-St. Simons | 2 |
| Athens-Clarke County | 1 |
| Atlanta-Sandy Springs-Roswell | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900C2QXQ435D8TY78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 960935 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 16207 | 1999–2017 |
Established 1 January 1902. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Queensborough National Bank & Trust Company's data.
Queensborough National Bank & Trust Company's data
$215
Queensborough National Bank & Trust Company 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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