Quontic Bank Mortgage Rates, Fees & Info
New York, NYLEI: 2549004XJQQPBYQSMT39
Tax ID: 20-2097129
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Mortgage Data
Review & Overview
Quontic Bank is a small bank specializing in Home Purchase 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.) Their top markets by origination volume include: New York, Miami, Los Angeles, Philadelphia, and Boston among others. We have data for 282 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 8.53% | 12/3/24 |
| 30 Year Conventional Refi | 8.29% | 12/3/24 |
| 30 Year Cash-out Refi | 8.65% | 12/3/24 |
| 30 Year FHA Purchase | 7.38% | 12/3/24 |
| 30 Year FHA Refi | 7.24% | 12/3/24 |
| 30 Year VA Purchase | 6.39% | 12/3/24 |
| 30 Year USDA Purchase | 6.27% | 12/3/24 |
| 15 Year Conventional Purchase | 8.30% | 12/3/24 |
| 15 Year Conventional Refi | 8.64% | 12/3/24 |
| 15 Year Cash-out Refi | 8.64% | 12/3/24 |
| 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. | ||
Quontic Bank Mortgage Calculator
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This is not an official calculator from Quontic Bank. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,755Origination Dollar Volume (All Markets)
$1,638,605,000Top 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) | 1,488 | $755,400,000 | $507,661 | $17,755 | 6.44% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 270 | $113,520,000 | $420,444 | $15,191 | 6.70% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 68 | $49,780,000 | $732,059 | $19,583 | 6.83% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 125 | $41,265,000 | $330,120 | $12,859 | 6.44% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 53 | $28,735,000 | $542,170 | $15,097 | 7.20% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 46 | $27,680,000 | $601,739 | $17,829 | 6.30% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 53 | $26,855,000 | $506,698 | $15,236 | 6.35% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 31 | $26,505,000 | $855,000 | $19,621 | 6.48% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 72 | $22,720,000 | $315,556 | $12,576 | 7.12% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 46 | $22,160,000 | $481,739 | $14,224 | 6.72% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 42 | $21,500,000 | $511,905 | $15,945 | 6.77% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 58 | $20,610,000 | $355,345 | $14,200 | 6.90% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 37 | $19,155,000 | $517,703 | $15,864 | 6.86% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 39 | $18,725,000 | $480,128 | $15,304 | 6.51% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 41 | $16,605,000 | $405,000 | $13,338 | 6.88% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 51 | $16,095,000 | $315,588 | $12,708 | 7.21% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 37 | $15,825,000 | $427,703 | $13,845 | 7.08% |
| Outside of Metro Areas | 54 | $13,890,000 | $257,222 | $9,761 | 6.88% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 38 | $13,220,000 | $347,895 | $11,553 | 7.28% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 18 | $12,160,000 | $675,556 | $17,299 | 6.57% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 38 | $11,840,000 | $311,579 | $13,641 | 6.50% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 20 | $11,220,000 | $561,000 | $14,964 | 6.82% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 46 | $10,450,000 | $227,174 | $9,952 | 7.12% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 17 | $9,465,000 | $556,765 | $13,450 | 6.83% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 30 | $9,310,000 | $310,333 | $11,742 | 6.84% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 52 | $9,220,000 | $177,308 | $8,718 | 7.34% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 16 | $9,180,000 | $573,750 | $15,952 | 6.52% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 28 | $8,960,000 | $320,000 | $10,882 | 7.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 19 | $8,135,000 | $428,158 | $16,406 | 7.17% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 8 | $8,110,000 | $1,013,750 | $25,735 | 6.75% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 9 | $7,985,000 | $887,222 | $17,701 | 6.01% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 17 | $6,535,000 | $384,412 | $13,180 | 6.83% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 20 | $6,390,000 | $319,500 | $11,747 | 6.75% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 23 | $5,685,000 | $247,174 | $9,835 | 7.24% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 13 | $5,415,000 | $416,538 | $14,889 | 7.13% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 19 | $5,105,000 | $268,684 | $10,865 | 7.05% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 8 | $5,050,000 | $631,250 | $16,018 | 6.80% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 13 | $4,865,000 | $374,231 | $12,960 | 7.07% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 11 | $4,815,000 | $437,727 | $16,023 | 6.51% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 12 | $4,720,000 | $393,333 | $10,856 | 6.18% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 18 | $4,610,000 | $256,111 | $9,836 | 6.59% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 23 | $4,425,000 | $192,391 | $9,381 | 6.92% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 11 | $4,155,000 | $377,727 | $11,860 | 6.56% |
| Key West, FL (FHA|USDA|VA) | 6 | $3,900,000 | $650,000 | $16,645 | 7.17% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 17 | $3,845,000 | $226,176 | $10,029 | 6.15% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 17 | $3,705,000 | $217,941 | $8,252 | 6.82% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $3,620,000 | $1,810,000 | $19,552 | 6.44% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 8 | $3,480,000 | $435,000 | $14,231 | 6.36% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 14 | $3,300,000 | $235,714 | $8,236 | 5.68% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $3,050,000 | $508,333 | $14,876 | 7.06% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 11 | $2,835,000 | $257,727 | $10,403 | 6.92% |
| BINGHAMTON, NY (FHA|USDA|VA) | 17 | $2,615,000 | $153,824 | $8,577 | 7.98% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 5 | $2,455,000 | $491,000 | $15,248 | 7.10% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 8 | $2,430,000 | $303,750 | $10,646 | 7.06% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 10 | $2,300,000 | $230,000 | $10,521 | 6.89% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $2,290,000 | $572,500 | $21,614 | 8.28% |
| ROCHESTER, NY (FHA|USDA|VA) | 11 | $2,255,000 | $205,000 | $9,493 | 6.64% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 9 | $2,225,000 | $247,222 | $10,942 | 7.83% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $2,200,000 | $275,000 | $13,205 | 6.16% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $2,180,000 | $363,333 | $8,761 | 6.77% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 7 | $2,155,000 | $307,857 | $10,392 | 6.11% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 7 | $2,055,000 | $293,571 | $6,713 | 7.20% |
| OCALA, FL (FHA|USDA|VA) | 5 | $2,035,000 | $407,000 | $15,535 | 7.28% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 6 | $2,000,000 | $333,333 | $10,527 | 7.77% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 6 | $1,930,000 | $321,667 | $9,698 | 7.00% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 6 | $1,910,000 | $318,333 | $11,260 | 6.79% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 8 | $1,910,000 | $238,750 | $9,576 | 7.47% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $1,790,000 | $447,500 | $14,445 | 7.75% |
| Hilo, HI (FHA|USDA|VA) | 2 | $1,780,000 | $890,000 | $22,092 | 7.13% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $1,775,000 | $591,667 | $19,226 | 5.75% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $1,725,000 | $575,000 | $13,289 | 5.83% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 6 | $1,690,000 | $281,667 | $10,834 | 7.29% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $1,690,000 | $422,500 | $13,934 | 7.19% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $9,819 | 7.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $8,911 | 7.22% |
| KINGSTON, NY (FHA|USDA|VA) | 4 | $1,580,000 | $395,000 | $18,237 | 5.91% |
| Heber, UT (FHA|USDA|VA) | 1 | $1,545,000 | $1,545,000 | $43,955 | 6.50% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $1,495,000 | $1,495,000 | $22,699 | 8.63% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $1,480,000 | $370,000 | $8,006 | 6.41% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $8,803 | 6.63% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $14,767 | 5.71% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $1,450,000 | $725,000 | $12,921 | 6.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $1,425,000 | $285,000 | $14,727 | 7.05% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 4 | $1,420,000 | $355,000 | $10,851 | 5.84% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $11,414 | 6.46% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $8,271 | 6.20% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $12,963 | 6.16% |
| SYRACUSE, NY (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $11,321 | 5.88% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $1,335,000 | $1,335,000 | $43,747 | 9.13% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $9,615 | 6.67% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $14,963 | 7.79% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $18,325 | 6.88% |
| STOCKTON, CA (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $10,217 | 6.43% |
| NAPA, CA (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 5.50% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $18,142 | 6.38% |
| COLUMBUS, OH (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $9,450 | 7.69% |
| COLUMBIA, SC (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $9,003 | 5.33% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $12,219 | 6.53% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $8,300 | 6.53% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $9,339 | 7.00% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $1,055,000 | $1,055,000 | $23,700 | 5.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $12,098 | 6.38% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $17,068 | 7.31% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $8,441 | 7.47% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $9,724 | 6.88% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $8,565 | 6.93% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $19,179 | 5.13% |
| Torrington, CT (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $10,684 | 6.97% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $9,762 | 7.35% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $10,220 | 5.81% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $9,194 | 6.63% |
| RENO, NV (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $22,059 | 7.50% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $945,000 | $945,000 | $15,152 | 6.50% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $11,768 | 5.92% |
| Morehead City, NC (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $12,857 | 7.38% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $11,807 | 6.83% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $9,148 | 6.92% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $13,606 | 7.56% |
| Hudson, NY (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $10,466 | 5.29% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $17,332 | 5.69% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $12,784 | 5.56% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $9,142 | 6.59% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $0 | 7.78% |
| Wilson, NC (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $11,350 | 5.81% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $10,151 | 6.72% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $10,854 | 6.54% |
| SALEM, OR (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $12,411 | 5.63% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $12,232 | 7.19% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $12,798 | 7.44% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $12,446 | 6.25% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $18,954 | 9.88% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $11,688 | 5.19% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $16,591 | 6.38% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $12,852 | 7.81% |
| Gloversville, NY (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $12,479 | 6.44% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $9,203 | 5.72% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $12,707 | 6.31% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $11,363 | 6.38% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $14,978 | 7.00% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $9,135 | 7.38% |
| Newport, OR (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $19,568 | 5.00% |
| MADERA, CA (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $9,258 | 6.29% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $10,383 | 5.81% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $0 | 5.67% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $17,943 | 6.88% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $13,102 | 7.44% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $13,147 | 7.94% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $13,303 | 7.69% |
| Huntsville, TX (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $13,246 | 6.19% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $11,076 | 6.06% |
| Fernley, NV (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $16,078 | 7.88% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $11,044 | 7.50% |
| CHICO, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $20,862 | 6.25% |
| Norfolk, NE (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $12,477 | 6.75% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,636 | 6.75% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $8,386 | 7.75% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $16,981 | 7.75% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $12,283 | 5.50% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $19,596 | 8.00% |
| AKRON, OH (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 8.13% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $8,915 | 6.25% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $11,389 | 7.06% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $8,821 | 6.75% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $11,607 | 7.19% |
| DOVER, DE (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $16,805 | 8.88% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $11,717 | 7.75% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $9,837 | 5.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $10,457 | 7.31% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $8,664 | 7.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $9,686 | 5.88% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $9,584 | 6.44% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $7,787 | 8.21% |
| Holland, MI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $16,495 | 5.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $6,477 | 6.75% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $9,979 | 7.44% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,360 | 6.25% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $14,407 | 6.13% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $15,503 | 4.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 4.88% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $14,892 | 8.13% |
| Palatka, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $15,496 | 9.25% |
| CASPER, WY (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $15,702 | 7.75% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,107 | 6.88% |
| BEND, OR (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $14,253 | 5.63% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 5.00% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 5.13% |
| WACO, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $15,387 | 7.00% |
| UTICA-ROME, NY (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $10,484 | 5.19% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $9,853 | 7.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $9,265 | 6.38% |
| Amsterdam, NY (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $9,586 | 8.38% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,818 | 6.25% |
| Susanville, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $10,749 | 7.25% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $8,706 | 6.06% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 6.50% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,387 | 8.25% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,453 | 11.13% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $13,767 | 6.75% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,950 | 5.88% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $12,007 | 4.75% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $13,868 | 6.13% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,876 | 7.00% |
| Rockport, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,981 | 7.25% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,394 | 4.50% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,336 | 4.25% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,313 | 7.25% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,941 | 9.38% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,858 | 6.50% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 8.88% |
| MORGANTOWN, WV (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $9,817 | 7.00% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,683 | 7.38% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,103 | 7.25% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,635 | 6.25% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,690 | 5.50% |
| Somerset, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,658 | 9.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,956 | 6.50% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $13,253 | 5.50% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,114 | 9.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,670 | 9.00% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,948 | 6.38% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,367 | 5.75% |
| Lock Haven, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $15,467 | 6.38% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,944 | 7.25% |
| Keene, NH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,613 | 4.63% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $7,172 | 5.81% |
| NILES, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,305 | 8.75% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 7.25% |
| Burley, ID (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,366 | 7.63% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,659 | 6.50% |
| Vincennes, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,321 | 8.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,603 | 7.75% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,350 | 4.88% |
| Roswell, NM (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,950 | 7.50% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,295 | 6.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,989 | 5.50% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,099 | 5.50% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,149 | 6.00% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,103 | 6.88% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.88% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,118 | 5.50% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 8.63% |
| Altus, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,861 | 5.25% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 7.25% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,441 | 7.88% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,827 | 7.63% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.13% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,276 | 7.63% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,785 | 7.25% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,453 | 6.63% |
| Wooster, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,686 | 6.00% |
| El Campo, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,444 | 7.00% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.00% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,079 | 6.75% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,788 | 7.50% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,299 | 5.88% |
| TYLER, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,843 | 7.25% |
| READING, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,304 | 5.50% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,341 | 6.25% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,110 | 6.88% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 6.00% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,514 | 6.13% |
| Cortland, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,028 | 8.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,933 | 6.25% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.38% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,085 | 6.75% |
| Shelby, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,112 | 4.88% |
| Kinston, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,616 | 5.50% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,079 | 7.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 7.50% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,165 | 8.25% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,955 | 5.88% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,567 | 7.50% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,905 | 6.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.50% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.50% |
| Easton, MD (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,793 | 6.88% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,803 | 7.63% |
| TULSA, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.63% |
| Salem, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,154 | 6.50% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,551 | 6.38% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,078 | 7.13% |
| Palestine, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,127 | 7.00% |
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Product Mix
For 2022, Quontic Bank's most frequently originated type of loan was Conventional, with 3,660 originations. Their 2nd most popular type was FHA, with 93 originations.
Loan Reason
For 2022, Quontic Bank's most frequently cited loan purpose was Home Purchase, with 3,122 originations. The 2nd most popular reason was Cash Out Refi, with 345 originations.
Loan Duration/Length
For 2022, Quontic Bank's most frequently cited loan duration was 30 Year, with 3,709 originations. The 2nd most popular length was 15 Year, with 45 originations.
Origination Fees/Closing Costs
Quontic Bank's average total fees were $15,219, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,835 originations.
Interest Rates
During 2022, Quontic Bank's average interest rate for loans was 6.67%, while their most frequently originated rate bucket for loans was 7-8%, with 1,014 originations.
Loan Sizing
2022 saw Quontic Bank place emphasis on $200k-400k loans with 1,458 originations, totaling $431,980,000 in origination value.
Applicant Income
Quontic Bank lent most frequently to those with incomes in the $100k-150k range, with 664 originations. The second most popular income band? $150k-250k, with 499 originations.
Applicant Debt to Income Ratio
Quontic Bank lent most frequently to those with DTI ratios of 30-36%, with 403 originations. The next most common DTI ratio? 20-30%, with 345 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.18%
Quontic Bank has an average approval rate.
Pick Rate
Approvals leading to origination60.27%
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 | 3,755 | $1,638,605,000 | $436,379 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,755 | $1,638,605,000 | $436,379 |