# Quaint Oak Mortgage, LLC

> **Canonical URL:** https://saferate.com/lenders/quaint-oak-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Quaint Oak Mortgage, LLC is a independent mortgage company, headquartered in Allentown, PA, serving borrowers across 4 states, with 491 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 22% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300GMP8EYQD4U6Z40
- **Headquarters:** Allentown, PA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** DE, FL, NJ, PA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.244%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,335
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 491
- **Dollar Volume:** $128 million
- **Applications Received:** 588
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $260,886
- **Average Borrower Income:** $104,542
- **Average Property Value:** $298,014

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 405 | +0.156% | $3,230 | Strong 😀 |
| FHA | 64/100 | 70 | +0.637% | $3,626 | Strong 😀 |
| VA | 57/100 | 14 | +0.126% | $4,885 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 397 loans, Score: 62/100 (Strong)

**FHA:**
- Purchase: 65 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 478 | $126M | +0.244% | Strong 😀 |
| Refinance | 22/100 | 13 | $2M | +0.252% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 460 | 0.38% | 83/100 |
| NJ | 28 | 0.03% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Philadelphia, PA | PA | 301 | 91/100 |
| Montgomery County | PA | 71 | 70/100 |
| Allentown | PA-NJ | 68 | 73/100 |
| Atlantic City | NJ | 18 | 52/100 |

## Where This Lender Ranks

Quaint Oak Mortgage, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Philadelphia, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#9** in Pennsylvania for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#13** in Allentown for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#14** in Philadelphia, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#15** in Philadelphia, PA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#15** in Montgomery County for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Philadelphia, PA Mortgage Companies
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/mortgage-companies)
- 🏆 **#18** in Philadelphia, PA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#18** in Atlantic City for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does Quaint Oak Mortgage, LLC offer?

Quaint Oak Mortgage, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Quaint Oak Mortgage, LLC offer mortgages?

Quaint Oak Mortgage, LLC offers mortgages in 4 states: DE, FL, NJ, PA.

### How competitive are Quaint Oak Mortgage, LLC's mortgage rates?

Quaint Oak Mortgage, LLC has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.244% above market average.

### What type of lender is Quaint Oak Mortgage, LLC?

Quaint Oak Mortgage, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Allentown, PA.

### What is Quaint Oak Mortgage, LLC's loan approval success rate?

Quaint Oak Mortgage, LLC has a pull-through score of 78/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/quaint-oak-mortgage

### How to Cite

> "Quaint Oak Mortgage, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/quaint-oak-mortgage

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