Personal Loans

Queenstown Bank has been meeting the financial needs of our community for over 120 years. Our employees live and work here in the communities we serve. We're your friends, your neighbors and your trusted community bankers. We know that personal lending needs vary greatly from person to person. For some it could mean a new car or an addition to your home. For others, a personal loan would be needed for consolidating debt or even for taking a long overdue vacation.


Personal Loan Options

You'll find that we offer flexible consumer loans made to fit a wide variety of needs. At Queenstown Bank, all loan decisions are made quickly and locally.

Some of our most requested consumer lending options are listed below. Please call (410) 827-8881, email our lending department or visit any of our convenient offices and one of our knowledgeable, experienced lenders will assist you in determining the best borrowing option for your circumstances.

All loans are subject to credit approval and underwriting requirements.

Real Estate Loans-Mortgages

Are you ready to buy a new home? Queenstown Bank can help you
and your family realize your dreams with the purchase of a home.
A Queenstown Bank Mortgage Loan Specialist can make the
process of buying a home an enjoyable experience. Unlike most
banks, at Queenstown Bank we keep all of our mortgages which
gives us the flexibility to work with those in our community.
We're proud to offer a variety of mortgage loan options at very
competitive rates. Some of our most popular mortgage loans include:

  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages

Click the link below to get started using our online mortgage application.

You can also apply for a mortgage using our Queenstown Bank
Mortgage App.  You can download this app through the
Apple® App Store or Google PlayTM store.  Apply, upload documents,
receive status and connect with your lender using the app.

Meet Our Lenders

Start Your Application Here 

One of our lenders will reach out
to you to complete your application. 


Dream Home Construction-Permanent Loans Program

Are you ready to build your Dream Home? Queenstown Bank offers its Dream Home Construction-Permanent Loan which allows you to build the house of your dreams with a convenient one-time closing for both the construction funding and the permanent mortgage. You can lock in your permanent mortgage rate up front, eliminating that worry while your home is under construction. Learn more about the construction-permanent process by reviewing our "Guide to Construction-Permanent Financing".

HELOC/Home Equity Loan

Queenstown Bank’s Home Equity Programs allow you to take advantage of the great rates and tax benefits that borrowing based on your home's equity may provide. Your credit line or fixed rate loan can be used for purposes such as home improvements, educational expenses, medical expenses, automobile repairs, debt consolidation or whatever you need. Queenstown Bank offers the following home equity options:

  • Variable Rate Home Equity Lines of Credit (HELOC)
  • Fixed Rate Home Equity Loans

For Home Equity Lines of Credit (HELOC), Queenstown Bank will agree to waive up to $2,000 of your closing costs (including your appraisal costs) at closing.* 

*To qualify for the waiver, the line must be kept open for three years from the date of your settlement.  If the line closes prior to three years for any reason, the Bank will collect the amount of the waived closing costs by including the amount in your payoff.  The Bank will collect a fee for the appraisal up front, which will be refunded at settlement as part of the waived closing costs.  Closing costs generally range from $2,183 to $16,763.  The HELOC is a variable rate equal to the Prime Rate published in the Wall Street Journal for a first lien or Prime Rate plus 0.50% for a second lien.  As of July 27, 2023, the Annual Percentage Rate (APR) was 8.50% or 9.00% respectively.  The APR can change as often as daily but will not exceed 24%.  Adequate property insurance is required.

Auto Loans

Searching for a new car or looking to refinance the car you have? We offer competitive rates on loans for both new and used vehicles for various terms. Credit decisions are made locally and delivered promptly. Stop by any branch location and an associate will be available to assist you.

Other Personal Loans

Customers can get the funds they need for a variety of reasons; debt consolidation, vacation expenses or other personal needs. We are committed to helping you with all of your credit needs. At Queenstown Bank, you will experience an easy application process, quick turnaround time and local loan decisions. Stop by any branch location and an associate will be available to assist you.

Opting Out of Credit Bureau Information Sharing

When credit is pulled, the Fair Credit Reporting Act (FCRA) allows the credit bureaus to sell your information to some third-party lenders.  You can stop them by easily opting out using these sites or the phone number below:

Queenstown Bank does NOT share your personal information for other companies to market to you.  More information is available on your Privacy Policy page by clicking here.


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