Quaint Oak Mortgage
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.
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
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
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
405 loans · 0.16% above market
Strong
Top 40% of lenders
4/5
FHA
70 loans · 0.64% above market
Strong
Top 40% of lenders
4/5
VA
14 loans · 0.13% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
478 loans · 0.24% above market
Strong
Top 40% of lenders
4/5
Refinance
13 loans · 0.25% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 405 | 82.5% | +0.156%Above | $3,230Fees | ||||
FHA Loans | 70 | 14.3% | +0.637%Above | $3,626Fees | ||||
VA Loans | — | — | 14 | 2.9% | +0.126%Above | $4,885Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume405
Mix82.5%
Spread
+0.156%Above
Fees
$3,230Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume70
Mix14.3%
Spread
+0.637%Above
Fees
$3,626Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume14
Mix2.9%
Spread
+0.126%Above
Fees
$4,885Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 478 | 97.4% | +0.244%Above | $3,313Fees | ||||
Refinance | — | 13 | 2.6% | +0.252%Above | $3,772Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume478
Mix97.4%
Spread
+0.244%Above
Fees
$3,313Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughSound
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
4Full-year 2024 · HMDALoans originated
< 2020+None
Northeast2
NJPA
South2
DEFL
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.
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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.