Get & compare mortgage quotes anonymously Start in My Home
QOM

Quaint Oak Mortgage

Independent Mortgage CompanyAllentown, PAHQDirectReviews near you on Google

We analyzed every closed loan from Quaint Oak Mortgage 491 loans across 588 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 4 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Quaint Oak Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+24.4 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume405
Mix82.5%
Spread
+0.156%Above
Fees
$3,230Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
Volume70
Mix14.3%
Spread
+0.637%Above
Fees
$3,626Fees
VA Loans
Overall
Sound
Product
Sound
Pricing
Pull Through
Volume14
Mix2.9%
Spread
+0.126%Above
Fees
$4,885Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume478
Mix97.4%
Spread
+0.244%Above
Fees
$3,313Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Pull Through
Sound
Volume13
Mix2.6%
Spread
+0.252%Above
Fees
$3,772Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
491
Applications
588
Volume
$128 million
Pricing & Closing
Avg Rate Spread
+0.244%
vs. market APOR
Avg Net Fees
$3,335
Origination − Credits
Pullthrough Rate
83.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$260,886
Avg Borrower Income
$104,542
Avg Property Value
$298,014

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NJPA
South2
DEFL

Top Metro Areas by Place Specialization Score

1© 颐园居 · CC BY-SA 4.0
Philadelphia, PAMetro
Volume 301Mix 61.30% of portfolio
91/100
Exceptional
2© Paul Leiby · CC BY 3.0
Allentown, PA-NJMetro
Volume 68Mix 13.85% of portfolio
73/100
Strong
3© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 71Mix 14.46% of portfolio
70/100
Strong
4© Smith, H. B. · Public domain
Atlantic City, NJMetro
Volume 18Mix 3.67% of portfolio
52/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 460Mix 93.69% of portfolio
83/100
Exceptional
New Jersey
New Jersey
2
New JerseyState
Volume 28Mix 5.70% of portfolio
51/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Quaint Oak Mortgage?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.