Quontic Bank mortgage approval rate & lending review
Quontic Bank decided 3,977 mortgage applications and funded 3,145 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Quontic Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Quontic Bank at a glance
Approval is 2.3 points above the 83.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 2,150 / 2,414 | 96% | $495K | 2,057 |
| Cash-out refinance | 82% | 584 / 708 | 85% | $305K | 499 |
| Refinance | 78% | 99 / 127 | 84% | $365K | 83 |
| Investment property purchase | 79% | 430 / 545 | 90% | $315K | 389 |
| Investment cash-out refinance | 75% | 89 / 119 | 87% | $335K | 77 |
| Investment refinance | 64% | 28 / 44 | 79% | $345K | 22 |
Quontic Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 86% | $515K | 1,810 | 1,485 |
| Florida | 84% | $385K | 444 | 333 |
| New Jersey | 88% | $435K | 280 | 227 |
| California | 83% | $315K | 248 | 177 |
| Texas | 81% | $365K | 204 | 147 |
| Pennsylvania | 88% | $315K | 107 | 89 |
| Massachusetts | 90% | $375K | 90 | 78 |
| Connecticut | 83% | $345K | 77 | 56 |
| Illinois | 84% | $205K | 61 | 47 |
| Georgia | 85% | $345K | 55 | 41 |
| Virginia | 86% | $335K | 44 | 33 |
| Arizona | 82% | $525K | 40 | 30 |
| Michigan | 74% | $185K | 38 | 26 |
| North Carolina | 89% | $305K | 38 | 32 |
| Oregon | 70% | $375K | 33 | 21 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Quontic Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Suffolk County, NY | Mortgage lenders | 92% | 365 | 323 |
| Queens County, NY | Mortgage lenders | 86% | 243 | 203 |
| Nassau County, NY | Mortgage lenders | 90% | 194 | 174 |
| Bronx County, NY | Mortgage lenders | 81% | 80 | 64 |
| Richmond County, NY | Mortgage lenders | 96% | 68 | 61 |
| Kings County, NY | Mortgage lenders | 77% | 78 | 58 |
| Nassau County, NY | Cash-out refinance | 89% | 61 | 45 |
| Westchester County, NY | Mortgage lenders | 83% | 54 | 44 |
| Queens County, NY | Cash-out refinance | 87% | 47 | 35 |
| Suffolk County, NY | Cash-out refinance | 78% | 41 | 28 |
| Suffolk County, NY | Investment property purchase | 97% | 31 | 28 |
| Erie County, NY | Investment property purchase | 89% | 27 | 23 |
The county markets where Quontic Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Quontic Bank
What is Quontic Bank's mortgage approval rate?
Quontic Bank approved 85.4% of the 3,977 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.3 points above the 83.1% national rate for the same mix of loan types.
How often do borrowers take the loan Quontic Bank offers?
Borrowers accepted 93% of the loans Quontic Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Quontic Bank make?
The typical home purchase mortgage loan Quontic Bank made was $495K; across all loan types its typical loan ran from $305K to $495K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Quontic Bank lend?
Quontic Bank decided applications in 48 of the states Fat Boy Data covers, most of them in New York, Florida and New Jersey.
Can I apply to Quontic Bank directly?
Yes. Quontic Bank is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Quontic Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Quontic Bank treats applications, then get a rate quote from the lender.