We analyzed every closed loan from Quontic Bank — 1.0k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Sound
3/5
National · 16 mkts
Summary
What They Do Well
- Particularly strong in Conventional and FHA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 141 basis points above market average
- Higher than average fees ($6,366)
Explore another lender or local market
Report Card
Quontic Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+140.5 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 17 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 913 | 90.5% | +1.429%Above | $6,316Fees | ||||
FHA Loans | — | 44 | 4.4% | +0.574%Above | $8,093Fees | |||
Jumbo Loans | — | 52 | 5.2% | — | — |
Conventional
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughSound
Volume913
Mix90.5%
Spread
+1.429%Above
Fees
$6,316Fees
FHA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume44
Mix4.4%
Spread
+0.574%Above
Fees
$8,093Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume52
Mix5.2%
Spread—
Fees—
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 806 | 79.9% | +1.386%Above | $6,330Fees | ||||
Refinance | 203 | 20.1% | +1.464%Above | $6,484Fees |
Purchase
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughSound
Volume806
Mix79.9%
Spread
+1.386%Above
Fees
$6,330Fees
Refinance
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughSound
Volume203
Mix20.1%
Spread
+1.464%Above
Fees
$6,484Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,009
Applications
1,597
Volume
$475 million
Pricing & Closing
Avg Rate Spread
+1.405%
vs. market APOR
Avg Net Fees
$6,366
Origination − Credits
Pullthrough Rate
63.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$471,165
Avg Borrower Income
$207,235
Avg Property Value
$685,307
Geographic Coverage
Geographic Performance
Metro Areas
16
markets with activity
States Served
48
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
48Northeast8
CTMEMANHNJNYPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South16
ALARDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AKAZCACOHIIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 195Mix 19.33% of portfolio
77/100
Strong
Volume 218Mix 21.61% of portfolio
76/100
Strong
Volume 20Mix 1.98% of portfolio
49/100
Sound
Volume 19Mix 1.88% of portfolio
49/100
Sound
Volume 24Mix 2.38% of portfolio
47/100
Sound
Volume 20Mix 1.98% of portfolio
45/100
Sound
Volume 15Mix 1.49% of portfolio
45/100
Sound
Volume 14Mix 1.39% of portfolio
44/100
Sound
Volume 12Mix 1.19% of portfolio
43/100
Sound
Volume 13Mix 1.29% of portfolio
43/100
SoundShowing 10 of 16 metro areas
Top States by Place Specialization Score
1
New YorkState
Volume 442Mix 43.81% of portfolio
79/100
Strong2
New JerseyState
Volume 64Mix 6.34% of portfolio
59/100
Sound3
FloridaState
Volume 97Mix 9.61% of portfolio
56/100
Sound4
CaliforniaState
Volume 54Mix 5.35% of portfolio
50/100
Sound5
TexasState
Volume 54Mix 5.35% of portfolio
50/100
Sound6
ConnecticutState
Volume 22Mix 2.18% of portfolio
47/100
Sound7
PennsylvaniaState
Volume 26Mix 2.58% of portfolio
46/100
Sound8
MassachusettsState
Volume 22Mix 2.18% of portfolio
46/100
Sound9
IllinoisState
Volume 21Mix 2.08% of portfolio
44/100
Sound10
OregonState
Volume 12Mix 1.19% of portfolio
41/100
SoundShowing 10 of 15 states
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 Quontic Bank?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.