Quontic Bank Mortgage Rates, Fees & Info

New York, NY

LEI: 2549004XJQQPBYQSMT39

Tax ID: 20-2097129

1 stars - out of 5 stars, based on 63 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Quontic Bank is a small bank specializing in loans. Quontic Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: New York, Miami, Los Angeles, San Francisco, and Philadelphia among others. We have data for 258 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Quontic Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Quontic Bank is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 9.18% 11/26/22
    30 Year Conventional Refi 8.43% 11/26/22
    30 Year Cash-out Refi 9.20% 11/26/22
    30 Year FHA Purchase 7.80% 11/26/22
    30 Year FHA Refi 7.37% 11/26/22
    30 Year VA Purchase 6.43% 11/26/22
    15 Year Conventional Purchase 9.05% 11/26/22
    15 Year Conventional Refi 7.43% 11/26/22
    15 Year Cash-out Refi 7.43% 11/26/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    4,003

    Origination Dollar Volume (All Markets)

    $1,829,745,000

    Employee count

    353

    Relative Rate

    Quontic Bank's average 30 year fixed mortgage rate was 5.32%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 2.17%.

    Relative Fees (Closing Costs)

    Quontic Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $14,373.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1,531 $788,965,000 $515,327 $15,710 4.98%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 386 $181,470,000 $470,130 $14,371 5.25%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 111 $86,645,000 $780,586 $18,778 5.67%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 56 $52,890,000 $944,464 $20,579 5.61%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 142 $37,580,000 $264,648 $10,794 5.48%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 74 $36,620,000 $494,865 $15,425 5.47%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 62 $33,710,000 $543,710 $14,599 5.55%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 52 $24,050,000 $462,500 $13,107 5.51%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 52 $23,630,000 $454,423 $14,276 5.60%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 17 $21,655,000 $1,273,824 $21,098 5.84%
    Outside of Metro Areas 68 $18,720,000 $275,294 $11,175 5.65%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 36 $18,360,000 $510,000 $15,638 5.67%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 44 $18,280,000 $415,455 $13,740 5.44%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 36 $17,790,000 $494,167 $15,062 5.57%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 45 $17,575,000 $390,556 $13,269 5.69%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 51 $17,315,000 $339,510 $12,375 5.47%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 22 $16,500,000 $750,000 $16,249 5.80%
    URBAN HONOLULU, HI (FHA|USDA|VA) 23 $14,025,000 $609,783 $16,265 5.74%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 43 $13,895,000 $323,140 $11,730 5.63%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 24 $13,590,000 $566,250 $16,061 5.70%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 45 $12,935,000 $287,444 $10,482 5.63%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 37 $12,155,000 $328,514 $12,356 5.62%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 37 $11,295,000 $305,270 $10,863 5.56%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 30 $9,450,000 $315,000 $10,982 5.61%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 32 $8,930,000 $279,063 $12,125 5.61%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 16 $8,890,000 $555,625 $17,925 5.75%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 18 $8,510,000 $472,778 $17,510 5.69%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 25 $8,325,000 $333,000 $12,883 5.09%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 14 $7,580,000 $541,429 $15,660 5.68%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 34 $6,990,000 $205,588 $9,276 5.76%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 9 $6,515,000 $723,889 $17,150 5.81%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 14 $6,280,000 $448,571 $13,293 5.34%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 20 $6,110,000 $305,500 $10,341 5.19%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $6,060,000 $757,500 $19,976 5.61%
    JACKSONVILLE, FL (FHA|USDA|VA) 15 $6,045,000 $403,000 $11,730 5.53%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 14 $6,010,000 $429,286 $16,752 5.17%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 22 $5,860,000 $266,364 $11,216 4.95%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 11 $5,555,000 $505,000 $16,186 5.65%
    Hilo, HI (FHA|USDA|VA) 6 $5,260,000 $876,667 $27,340 5.69%
    RENO, NV (FHA|USDA|VA) 5 $5,135,000 $1,027,000 $18,647 5.95%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 16 $5,030,000 $314,375 $10,930 5.52%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 22 $4,880,000 $221,818 $9,335 5.86%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 20 $4,750,000 $237,500 $8,688 5.38%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 23 $4,595,000 $199,783 $9,681 5.57%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 14 $4,490,000 $320,714 $12,020 5.56%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 20 $4,040,000 $202,000 $8,564 5.19%
    RALEIGH-CARY, NC (FHA|USDA|VA) 12 $4,000,000 $333,333 $8,552 5.15%
    Key West, FL (FHA|USDA|VA) 7 $3,865,000 $552,143 $21,035 5.70%
    Edwards, CO (FHA|USDA|VA) 2 $3,600,000 $1,800,000 $0 5.38%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 9 $3,425,000 $380,556 $12,001 5.11%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 14 $3,400,000 $242,857 $10,395 5.73%
    SALT LAKE CITY, UT (FHA|USDA|VA) 4 $3,360,000 $840,000 $23,773 5.78%
    SPRINGFIELD, MA (FHA|USDA|VA) 11 $3,345,000 $304,091 $10,607 5.31%
    KINGSTON, NY (FHA|USDA|VA) 11 $3,335,000 $303,182 $12,925 5.42%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 13 $2,985,000 $229,615 $8,027 5.45%
    SALEM, OR (FHA|USDA|VA) 6 $2,920,000 $486,667 $14,742 5.75%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 4 $2,910,000 $727,500 $24,177 5.53%
    STOCKTON, CA (FHA|USDA|VA) 8 $2,860,000 $357,500 $12,830 5.53%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $2,815,000 $938,333 $22,160 5.63%
    WORCESTER, MA-CT (FHA|USDA|VA) 9 $2,745,000 $305,000 $9,808 5.46%
    VALLEJO, CA (FHA|USDA|VA) 5 $2,705,000 $541,000 $15,138 5.40%
    Sandpoint, ID (FHA|USDA|VA) 6 $2,700,000 $450,000 $11,779 5.96%
    OCEAN CITY, NJ (FHA|USDA|VA) 2 $2,670,000 $1,335,000 $11,570 6.13%
    Clearlake, CA (FHA|USDA|VA) 7 $2,595,000 $370,714 $11,546 5.59%
    Vineyard Haven, MA (FHA|USDA|VA) 3 $2,495,000 $831,667 $24,491 5.21%
    SALISBURY, MD-DE (FHA|USDA|VA) 4 $2,470,000 $617,500 $14,951 5.38%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 5 $2,385,000 $477,000 $15,110 5.63%
    BANGOR, ME (FHA|USDA|VA) 12 $2,290,000 $190,833 $8,210 5.77%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 9 $2,275,000 $252,778 $8,800 5.43%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $2,265,000 $323,571 $9,502 5.39%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $2,215,000 $2,215,000 $38,009 6.38%
    FRESNO, CA (FHA|USDA|VA) 7 $2,195,000 $313,571 $10,990 5.75%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 7 $2,175,000 $310,714 $9,747 5.82%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $2,165,000 $721,667 $26,269 4.88%
    BOISE CITY, ID (FHA|USDA|VA) 4 $2,090,000 $522,500 $13,106 5.81%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 5 $2,085,000 $417,000 $13,652 5.53%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $2,070,000 $517,500 $12,327 5.63%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 8 $2,030,000 $253,750 $9,065 5.02%
    JACKSON, MS (FHA|USDA|VA) 4 $2,020,000 $505,000 $15,199 5.44%
    Augusta-Waterville, ME (FHA|USDA|VA) 8 $2,020,000 $252,500 $10,122 5.56%
    PUNTA GORDA, FL (FHA|USDA|VA) 7 $1,985,000 $283,571 $12,892 5.25%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 7 $1,935,000 $276,429 $12,904 5.70%
    WINSTON-SALEM, NC (FHA|USDA|VA) 7 $1,915,000 $273,571 $9,007 5.41%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $1,845,000 $369,000 $11,826 5.58%
    MODESTO, CA (FHA|USDA|VA) 4 $1,710,000 $427,500 $14,240 4.50%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $1,705,000 $243,571 $10,243 5.73%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $1,700,000 $850,000 $19,105 5.81%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 11 $1,645,000 $149,545 $10,931 5.44%
    OCALA, FL (FHA|USDA|VA) 7 $1,585,000 $226,429 $10,327 5.82%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,555,000 $518,333 $20,805 6.17%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,540,000 $256,667 $10,775 5.46%
    READING, PA (FHA|USDA|VA) 5 $1,515,000 $303,000 $9,106 4.65%
    BAKERSFIELD, CA (FHA|USDA|VA) 5 $1,485,000 $297,000 $11,705 5.80%
    COLUMBUS, OH (FHA|USDA|VA) 6 $1,470,000 $245,000 $8,922 5.06%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $1,460,000 $243,333 $8,167 4.54%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 7 $1,455,000 $207,857 $9,852 5.61%
    PITTSBURGH, PA (FHA|USDA|VA) 7 $1,445,000 $206,429 $8,912 5.48%
    PITTSFIELD, MA (FHA|USDA|VA) 5 $1,435,000 $287,000 $9,714 5.30%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $1,405,000 $281,000 $8,460 5.65%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $1,375,000 $458,333 $12,213 5.96%
    WENATCHEE, WA (FHA|USDA|VA) 2 $1,340,000 $670,000 $12,843 5.44%
    Aberdeen, WA (FHA|USDA|VA) 1 $1,335,000 $1,335,000 $18,734 5.75%
    Torrington, CT (FHA|USDA|VA) 5 $1,335,000 $267,000 $8,656 4.93%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $1,330,000 $665,000 $14,017 5.94%
    BINGHAMTON, NY (FHA|USDA|VA) 9 $1,325,000 $147,222 $8,655 5.53%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $1,315,000 $1,315,000 $39,458 5.75%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $1,255,000 $418,333 $13,357 5.67%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $1,215,000 $1,215,000 $30,351 6.25%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $1,165,000 $233,000 $8,952 5.43%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $1,150,000 $575,000 $15,458 5.75%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 3 $1,115,000 $371,667 $15,960 5.46%
    MADERA, CA (FHA|USDA|VA) 3 $1,105,000 $368,333 $9,166 5.58%
    LANCASTER, PA (FHA|USDA|VA) 5 $1,095,000 $219,000 $10,346 5.50%
    YORK-HANOVER, PA (FHA|USDA|VA) 4 $1,030,000 $257,500 $10,537 5.66%
    TUCSON, AZ (FHA|USDA|VA) 2 $940,000 $470,000 $8,274 4.44%
    Centralia, WA (FHA|USDA|VA) 2 $910,000 $455,000 $15,106 5.50%
    Ukiah, CA (FHA|USDA|VA) 1 $905,000 $905,000 $19,952 5.63%
    GAINESVILLE, GA (FHA|USDA|VA) 3 $905,000 $301,667 $9,586 5.67%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $865,000 $288,333 $8,801 5.58%
    CORVALLIS, OR (FHA|USDA|VA) 2 $860,000 $430,000 $15,334 5.56%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 4 $860,000 $215,000 $10,330 5.53%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $860,000 $215,000 $9,513 5.72%
    Alexander City, AL (FHA|USDA|VA) 2 $820,000 $410,000 $13,705 5.50%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $815,000 $271,667 $9,574 5.54%
    Lebanon, NH-VT (FHA|USDA|VA) 3 $815,000 $271,667 $9,272 5.79%
    GRAND JUNCTION, CO (FHA|USDA|VA) 2 $810,000 $405,000 $8,390 5.88%
    Amsterdam, NY (FHA|USDA|VA) 2 $810,000 $405,000 $11,672 5.25%
    Concord, NH (FHA|USDA|VA) 3 $785,000 $261,667 $7,444 5.63%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $775,000 $258,333 $11,090 5.63%
    TULSA, OK (FHA|USDA|VA) 4 $770,000 $192,500 $9,208 5.22%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $735,000 $245,000 $9,282 5.17%
    Boone, NC (FHA|USDA|VA) 1 $725,000 $725,000 $0 6.99%
    Kapaa, HI (FHA|USDA|VA) 1 $705,000 $705,000 $27,922 5.88%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 4 $680,000 $170,000 $8,863 5.47%
    Stephenville, TX (FHA|USDA|VA) 1 $635,000 $635,000 $15,456 6.38%
    UTICA-ROME, NY (FHA|USDA|VA) 3 $635,000 $211,667 $8,102 4.42%
    Whitewater, WI (FHA|USDA|VA) 1 $615,000 $615,000 $9,136 6.25%
    WILMINGTON, NC (FHA|USDA|VA) 2 $600,000 $300,000 $8,447 5.44%
    GLENS FALLS, NY (FHA|USDA|VA) 3 $595,000 $198,333 $8,027 5.42%
    LEBANON, PA (FHA|USDA|VA) 2 $590,000 $295,000 $11,487 5.50%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $590,000 $295,000 $11,071 5.75%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $590,000 $295,000 $13,011 5.31%
    ROCHESTER, NY (FHA|USDA|VA) 4 $570,000 $142,500 $6,963 5.88%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $570,000 $285,000 $8,237 4.69%
    LONGVIEW, WA (FHA|USDA|VA) 2 $560,000 $280,000 $10,023 5.94%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $560,000 $280,000 $7,235 5.69%
    Payson, AZ (FHA|USDA|VA) 2 $550,000 $275,000 $12,511 5.75%
    Crescent City, CA (FHA|USDA|VA) 1 $535,000 $535,000 $8,452 6.63%
    BLOOMINGTON, IN (FHA|USDA|VA) 2 $520,000 $260,000 $8,314 5.13%
    SALINAS, CA (FHA|USDA|VA) 1 $515,000 $515,000 $19,250 6.00%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $510,000 $255,000 $8,434 5.56%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2 $510,000 $255,000 $9,028 5.69%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $510,000 $255,000 $7,465 4.25%
    BEND, OR (FHA|USDA|VA) 1 $505,000 $505,000 $16,599 5.88%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $470,000 $235,000 $11,254 5.81%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $465,000 $465,000 $0 3.13%
    JACKSONVILLE, NC (FHA|USDA|VA) 3 $465,000 $155,000 $7,816 5.67%
    SYRACUSE, NY (FHA|USDA|VA) 2 $460,000 $230,000 $9,169 5.50%
    Sonora, CA (FHA|USDA|VA) 2 $460,000 $230,000 $8,222 5.69%
    VISALIA, CA (FHA|USDA|VA) 1 $455,000 $455,000 $18,143 5.38%
    RACINE, WI (FHA|USDA|VA) 1 $455,000 $455,000 $7,336 5.75%
    Nogales, AZ (FHA|USDA|VA) 1 $445,000 $445,000 $10,797 5.75%
    RICHMOND, VA (FHA|USDA|VA) 2 $440,000 $220,000 $6,440 4.56%
    LAKE CHARLES, LA (FHA|USDA|VA) 2 $430,000 $215,000 $6,839 4.56%
    Outside of Metro Areas 1 $425,000 $425,000 $10,707 5.88%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $420,000 $210,000 $6,914 4.56%
    GREENVILLE, NC (FHA|USDA|VA) 1 $405,000 $405,000 $12,011 5.00%
    WACO, TX (FHA|USDA|VA) 2 $400,000 $200,000 $9,287 5.69%
    FLINT, MI (FHA|USDA|VA) 2 $400,000 $200,000 $9,093 5.00%
    Branson, MO (FHA|USDA|VA) 1 $395,000 $395,000 $11,188 5.75%
    MUSKEGON, MI (FHA|USDA|VA) 1 $395,000 $395,000 $7,032 3.50%
    REDDING, CA (FHA|USDA|VA) 1 $385,000 $385,000 $12,986 5.63%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $385,000 $385,000 $11,970 5.88%
    Jefferson, GA (FHA|USDA|VA) 2 $380,000 $190,000 $0 5.50%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $380,000 $190,000 $8,151 5.38%
    BATON ROUGE, LA (FHA|USDA|VA) 2 $370,000 $185,000 $8,444 5.19%
    Laconia, NH (FHA|USDA|VA) 1 $365,000 $365,000 $10,591 5.50%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $355,000 $355,000 $10,734 6.00%
    Elk City, OK (FHA|USDA|VA) 1 $345,000 $345,000 $9,551 5.75%
    Bennington, VT (FHA|USDA|VA) 1 $345,000 $345,000 $4,777 3.25%
    CaƱon City, CO (FHA|USDA|VA) 1 $345,000 $345,000 $10,431 5.88%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $345,000 $345,000 $7,476 5.75%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $310,000 $155,000 $8,783 5.69%
    TOLEDO, OH (FHA|USDA|VA) 2 $310,000 $155,000 $6,899 5.13%
    Helena, MT (FHA|USDA|VA) 1 $305,000 $305,000 $5,640 5.88%
    EL CENTRO, CA (FHA|USDA|VA) 2 $300,000 $150,000 $8,205 5.56%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $290,000 $145,000 $7,850 5.63%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $285,000 $285,000 $8,795 5.75%
    ABILENE, TX (FHA|USDA|VA) 1 $285,000 $285,000 $12,215 4.88%
    Lake City, FL (FHA|USDA|VA) 1 $285,000 $285,000 $9,863 5.63%
    LONGVIEW, TX (FHA|USDA|VA) 1 $275,000 $275,000 $9,523 5.75%
    Paducah, KY-IL (FHA|USDA|VA) 1 $275,000 $275,000 $9,352 5.63%
    Stillwater, OK (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.00%
    VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $270,000 $135,000 $7,367 5.69%
    TALLAHASSEE, FL (FHA|USDA|VA) 2 $270,000 $135,000 $7,045 5.63%
    AKRON, OH (FHA|USDA|VA) 2 $270,000 $135,000 $5,849 5.69%
    Cookeville, TN (FHA|USDA|VA) 1 $265,000 $265,000 $10,994 5.63%
    PEORIA, IL (FHA|USDA|VA) 1 $265,000 $265,000 $9,261 4.88%
    Pahrump, NV (FHA|USDA|VA) 1 $255,000 $255,000 $12,367 6.00%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $255,000 $255,000 $6,633 5.38%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $255,000 $255,000 $8,333 6.00%
    Sheridan, WY (FHA|USDA|VA) 1 $255,000 $255,000 $7,226 5.75%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $255,000 $255,000 $10,875 5.88%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $235,000 $235,000 $9,025 5.38%
    Hudson, NY (FHA|USDA|VA) 1 $235,000 $235,000 $10,843 6.00%
    CHEYENNE, WY (FHA|USDA|VA) 1 $235,000 $235,000 $8,186 5.50%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $235,000 $235,000 $10,417 6.00%
    ANN ARBOR, MI (FHA|USDA|VA) 2 $230,000 $115,000 $5,787 6.25%
    MEDFORD, OR (FHA|USDA|VA) 1 $225,000 $225,000 $7,290 5.25%
    FARMINGTON, NM (FHA|USDA|VA) 1 $225,000 $225,000 $11,129 5.50%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $225,000 $225,000 $11,306 5.50%
    Faribault-Northfield, MN (FHA|USDA|VA) 1 $225,000 $225,000 $7,606 6.00%
    PUEBLO, CO (FHA|USDA|VA) 1 $215,000 $215,000 $10,901 6.00%
    JACKSON, TN (FHA|USDA|VA) 1 $215,000 $215,000 $8,540 5.00%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $215,000 $215,000 $8,045 5.88%
    Red Bluff, CA (FHA|USDA|VA) 1 $215,000 $215,000 $9,296 5.25%
    ITHACA, NY (FHA|USDA|VA) 1 $205,000 $205,000 $6,860 3.25%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.75%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $205,000 $205,000 $7,804 5.38%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $195,000 $195,000 $7,870 6.00%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $195,000 $195,000 $8,132 5.75%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $195,000 $195,000 $8,839 6.13%
    Greenwood, SC (FHA|USDA|VA) 1 $175,000 $175,000 $7,236 5.75%
    Berlin, NH (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.25%
    ALEXANDRIA, LA (FHA|USDA|VA) 1 $175,000 $175,000 $8,378 5.13%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $6,250 5.63%
    Bucyrus-Galion, OH (FHA|USDA|VA) 1 $175,000 $175,000 $9,040 4.50%
    ERIE, PA (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.75%
    Newberry, SC (FHA|USDA|VA) 1 $165,000 $165,000 $8,649 6.38%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.88%
    Batavia, NY (FHA|USDA|VA) 1 $165,000 $165,000 $9,648 5.75%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $155,000 $155,000 $7,113 6.00%
    St. Marys, GA (FHA|USDA|VA) 1 $155,000 $155,000 $7,971 5.75%
    DOVER, DE (FHA|USDA|VA) 1 $155,000 $155,000 $8,881 5.00%
    Elizabeth City, NC (FHA|USDA|VA) 1 $155,000 $155,000 $7,943 5.75%
    Weatherford, OK (FHA|USDA|VA) 1 $155,000 $155,000 $5,238 6.00%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $155,000 $155,000 $9,163 5.50%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $145,000 $145,000 $5,786 6.25%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $145,000 $145,000 $4,978 3.25%
    DALTON, GA (FHA|USDA|VA) 1 $145,000 $145,000 $7,783 4.75%
    Gloversville, NY (FHA|USDA|VA) 1 $135,000 $135,000 $5,383 6.00%
    Mayfield, KY (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.63%
    Ardmore, OK (FHA|USDA|VA) 1 $135,000 $135,000 $6,181 5.38%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $135,000 $135,000 $8,012 6.00%
    Auburn, IN (FHA|USDA|VA) 1 $125,000 $125,000 $4,891 6.00%
    NEW BERN, NC (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.38%
    SAGINAW, MI (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.88%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $125,000 $125,000 $5,652 5.63%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.13%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $125,000 $125,000 $6,600 5.00%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $125,000 $125,000 $6,258 5.88%
    Oneonta, NY (FHA|USDA|VA) 1 $115,000 $115,000 $8,206 4.75%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.25%
    Van Wert, OH (FHA|USDA|VA) 1 $115,000 $115,000 $5,892 5.38%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $115,000 $115,000 $5,072 5.38%
    Silver City, NM (FHA|USDA|VA) 1 $115,000 $115,000 $7,134 5.38%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $115,000 $115,000 $7,205 5.50%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $105,000 $105,000 $6,814 6.00%
    Quontic Bank's top markets include New York, Miami, Los Angeles, San Francisco, and Philadelphia among others.

    Their top states include:
  • New York (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,889 $1,779,415,000 $457,551 $14,203 5.36%
    FHA 107 $47,265,000 $441,729 $15,418 3.13%
    FHA 5 $1,885,000 $377,000 $0 3.33%
    Reverse Mortgage 1 $725,000 $725,000 $0 6.99%
    VA 1 $455,000 $455,000 $20,744 2.38%

    For 2021, Quontic Bank's most frequently originated type of loan was Conventional, with 3,889 originations. Their 2nd most popular type was FHA, with 107 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,213 $1,420,825,000 $442,211 $14,169 5.32%
    Cash Out Refi 361 $217,995,000 $603,864 $16,658 5.31%
    Other 225 $96,585,000 $429,267 $13,231 5.63%
    Refi 202 $93,670,000 $463,713 $12,316 4.51%
    Home Improvement 2 $670,000 $335,000 $10,462 4.81%

    For 2021, Quontic Bank's most frequently cited loan purpose was Home Purchase, with 3,213 originations. The 2nd most popular reason was Cash Out Refi, with 361 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,895 $1,795,805,000 $461,054 $14,373 5.32%
    15 Year 94 $28,080,000 $298,723 $9,425 4.77%
    Other 8 $3,360,000 $420,000 $11,227 3.82%
    20 Year 6 $2,500,000 $416,667 $6,079 3.19%

    For 2021, Quontic Bank's most frequently cited loan duration was 30 Year, with 3,895 originations. The 2nd most popular length was 15 Year, with 94 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 2,836 $1,430,210,000 $504,305
    $4k-5k 227 $50,985,000 $224,604
    $1k-2k 139 $55,995,000 $402,842
    $3k-4k 121 $28,605,000 $236,405
    $2k-3k 69 $22,305,000 $323,261
    $<1k 36 $15,840,000 $440,000

    Quontic Bank's average total fees were $14,373, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,836 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 2,671 $1,226,125,000 $459,051
    4-5% 475 $214,495,000 $451,568
    6-7% 382 $176,350,000 $461,649
    3-4% 334 $154,400,000 $462,275
    2.5-3% 130 $54,790,000 $421,462
    <2.5% 10 $3,380,000 $338,000
    7-8% 1 $205,000 $205,000

    During 2021, Quontic Bank's average interest rate for loans was 5.32%, while their most frequently originated rate bucket for loans was 5-6%, with 2,671 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,548 $458,260,000 $296,034 $10,883 5.29%
    $400k-600k 1,030 $500,940,000 $486,350 $15,095 5.10%
    $100k-200k 664 $103,030,000 $155,166 $7,733 5.54%
    $600k-1MM 487 $361,495,000 $742,290 $20,456 5.26%
    $1MM+ 262 $404,920,000 $1,545,496 $32,736 5.56%
    $100,000 or less 12 $1,100,000 $91,667 $5,671 5.33%

    2021 saw Quontic Bank place emphasis on $200k-400k loans with 1,548 originations, totaling $458,260,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 577 $235,355,000 $407,894 $12,773 4.77%
    $150k-250k 449 $220,715,000 $491,570 $15,027 5.06%
    $75k-100k 382 $123,450,000 $323,168 $10,620 4.69%
    $250k+ 367 $306,135,000 $834,155 $22,414 5.18%
    $50k-75k 202 $51,090,000 $252,921 $8,375 4.60%
    $50k or less 47 $9,105,000 $193,723 $6,479 4.68%

    Quontic Bank lent most frequently to those with incomes in the $100k-150k range, with 577 originations. The second most popular income band? $150k-250k, with 449 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 439 $207,775,000 $473,292 $14,425 5.04%
    20-30% 405 $187,815,000 $463,741 $14,010 5.16%
    <20% 221 $96,905,000 $438,484 $14,193 5.30%
    39% 94 $45,520,000 $484,255 $15,275 5.20%
    38% 92 $47,690,000 $518,370 $15,024 4.80%
    37% 89 $43,335,000 $486,910 $14,603 5.05%
    42% 83 $34,975,000 $421,386 $11,868 4.70%
    36% 83 $40,075,000 $482,831 $15,274 4.96%
    40% 75 $34,595,000 $461,267 $12,852 4.98%
    41% 74 $35,690,000 $482,297 $13,134 4.84%
    44% 56 $23,640,000 $422,143 $11,235 4.41%
    50-60% 54 $25,070,000 $464,259 $15,517 3.19%
    43% 54 $24,870,000 $460,556 $12,158 4.30%
    45% 49 $22,995,000 $469,286 $12,893 4.26%
    46% 48 $22,460,000 $467,917 $12,925 4.14%
    48% 40 $19,170,000 $479,250 $12,128 4.15%
    47% 34 $17,440,000 $512,941 $15,271 3.93%
    49% 33 $15,615,000 $473,182 $10,909 3.57%

    Quontic Bank lent most frequently to those with DTI ratios of 30-36%, with 439 originations. The next most common DTI ratio? 20-30%, with 405 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,775 $855,215,000 $481,811 $14,507 5.26%
    Asian 1,501 $632,195,000 $421,183 $13,747 5.30%
    Not provided 389 $185,395,000 $476,594 $14,887 5.56%
    Black 188 $79,480,000 $422,766 $14,178 4.95%
    Not applicable 107 $58,765,000 $549,206 $0 5.52%
    Native Hawaiian or Islander 23 $11,615,000 $505,000 $15,744 5.27%
    American Indian 20 $7,080,000 $354,000 $11,368 5.24%

    Approval Rates

    Total approvals of all applications
    95.85%

    Quontic Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    69.95%

    Quontic Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,003 $1,829,745,000 $457,093

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,003 $1,829,745,000 $457,093

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 138 $53,500,000 $387,681 $12,084 5.24%
    40-60% 540 $249,760,000 $462,519 $13,839 5.16%
    60-80% 2,881 $1,313,455,000 $455,902 $14,596 5.48%
    80-100% 423 $204,195,000 $482,730 $13,423 4.22%
    Over 100% 1 $455,000 $455,000 $20,744 2.38%
    Under 20% 20 $8,380,000 $419,000 $12,340 5.33%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Quontic Bank 1 Rockefeller Plz, Fl 9 New York, NY 10020 Full Service B&M $0
    Quontic Bank 31-05 Broadway Astoria, NY 11106 Full Service B&M $0
    Quontic Bank 31-05 Broadway Astoria, NY 11106 Full Service B&M $545,955

    For 2021, Quontic Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $36,688
    Net interest income $29,692
    Total noninterest income $99,726
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $21
    Trading account gains and fees $0
    Additional Noninterest Income $99,705
    Pre-tax net operating income $72,984
    Securities gains (or losses, -) $0
    Income before extraordinary items $50,969
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $50,969
    Minority interest net income $0
    Net income $50,969
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $50,969

    Quontic Bank's gross interest income from loans was $36,688,000.
    Quontic Bank's net interest income from loans was $29,692,000.
    Quontic Bank's fee based income from loans was $21,000.
    Quontic Bank's net income from loans was $50,969,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,996
    Provision for credit losses $-1,032
    Total noninterest expense $57,466
    Salaries and employee benefits $30,283
    Premises and equipment expense $4,596
    Additional noninterest expense $22,587
    Applicable income taxes $22,015
    Net charge-offs $-112
    Cash dividends $0

    Quontic Bank's interest expense for loans was $6,996,000.
    Quontic Bank's payroll and benefits expense were $30,283,000.
    Quontic Bank's property, plant and equipment expenses $4,596,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 7.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $570,832
    Deposits held in domestic offices $570,832
    Deposits by Individuals, partnerships, and corporations $549,716
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $18,132
    Deposits by Commercial banks and other depository institutions in U.S. $2,984
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $70,785
    Demand deposits $20,718
    Nontransaction accounts $500,047
    Money market deposit accounts (MMDAs) $86,737
    Other savings deposits (excluding MMDAs) $138,386
    Total time deposits $274,924
    Total time and savings deposits $550,114
    Noninterest-bearing deposits $20,718
    Interest-bearing deposits $550,114
    Retail deposits $472,645
    IRAs and Keogh plan accounts $1,304
    Brokered deposits $5,367
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $916,091
    Cash & Balances due from depository institutions $135,334
    Interest-bearing balances $134,575
    Total securities $5,016
    Federal funds sold & reverse repurchase $0
    Net loans and leases $752,523
    Loan and leases loss allowance $604
    Trading account assets $0
    Bank premises and fixed assets $5,602
    Other real estate owned $0
    Goodwill and other intangibles $2,035
    All other assets $15,581

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $916,091
    Total Liabilities $808,975
    Total deposits $570,832
    Interest-bearing deposits $550,114
    Deposits held in domestic offices $570,832
    % insured (estimated) $84
    Federal funds purchased and repurchase agreements $9,474
    Trading liabilities $0
    Other borrowed funds $210,842
    Subordinated debt $0
    All other liabilities $17,827

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $752,523
    Loan and leases loss allowance $604
    Total loans and leases (domestic) $753,127
    All real estate loans $563,906
    Real estate loans in domestic offices $563,906
    Construction and development loans $0
    Residential 1-4 family construction $0
    Other construction, all land development and other land $0
    Loans secured by nonfarm nonresidential properties $12,904
    Nonfarm nonresidential secured by owner-occupied properties $4,396
    Commercial real estate & other non-farm, non-residential $8,508
    Multifamily residential real estate $2,623
    1-4 family residential loans $548,379
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $195,627
    To non-U.S. addressees $0
    Loans to individuals $39
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $39
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $517
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Quontic Bank had $752,523,000 of loans outstanding in 2021. $563,906,000 of loans were in real estate loans. $0 of loans were in development loans. $2,623,000 of loans were in multifamily mortgage loans. $548,379,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 4 $1,767 $441,750
    Nonfarm, nonresidential loans - $250k-1MM 4 $1,767 $441,750
    Commercial & Industrial, US addressed loans - <$1MM 5,413 $190,130 $35,125
    Commercial & Industrial, US addressed loans - <$100k 4,900 $95,957 $19,583
    Commercial & Industrial, US addressed loans - $100-250k 394 $52,819 $134,058
    Commercial & Industrial, US addressed loans - $250k-1MM 119 $41,354 $347,513