Purchase Originations
267
Median Total Costs
$7,656
+14.6% vs national ($6,680)
↑ $511 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$3,683
Median Lender Credits
$47
Denial Rate
4.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 184 | 6.375% | $7,241 | $4,181 |
| va | 51 | 5.875% | $9,076 | $3,039 |
| fha | 24 | 6.058% | $9,680 | $3,024 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,522 | 6.625% | — | 1 | −$3,134 | |
| 2 | $4,861 | 6.125% | — | 3 | −$2,795 | |
| 3 | $4,942 | 5.875% | — | 4 | −$2,714 | |
| 4 | $5,911 | 6.312% | — | 2 | −$1,745 | |
| 5 | $6,879 | 6.438% | — | 2 | −$777 | |
| 6 | $6,923 | 6.125% | — | 42 | −$733 | |
| 7 | $7,009 | 6.500% | — | 11 | −$647 | |
| 8 | $7,010 | 6.750% | — | 5 | −$646 | |
| 9 | $7,224 | 5.875% | — | 1 | −$432 | |
| 10 | $7,244 | 5.990% | — | 1 | −$412 | |
| 11 | $7,322 | 6.000% | — | 7 | −$334 | |
| 12 | $7,344 | 6.375% | — | 2 | −$312 | |
| 13 | $7,571 | 6.250% | — | 3 | −$85 | |
| 14 | $7,639 | 6.125% | — | 35 | −$17 | |
| 15 | $8,308 | 6.000% | — | 9 | +$652 | |
| 16 | $8,328 | 6.125% | — | 110 | +$672 | |
| 17 | $9,511 | 5.500% | — | 1 | +$1,855 | |
| 18 | $9,775 | 6.500% | — | 11 | +$2,119 | |
| 19 | $12,916 | 6.438% | — | 2 | +$5,260 | |
| 20 | $14,388 | 7.312% | — | 2 | +$6,732 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Queensborough National Bank & Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $7,656 | $7,127 | +$529 (+7.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.