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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
913 loans · 1.43% above market
Strong
Top 40% of lenders
4/5
FHA
44 loans · 0.57% above market
Strong
Top 40% of lenders
4/5
Jumbo
52 loans
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
806 loans · 1.39% above market
Strong
Top 40% of lenders
4/5
Refinance
203 loans · 1.46% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 17 markets
Sound
Top 60% of lenders
3/5
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
48Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast8
CTMEMANHNJNYPARI
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South16
ALARDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AKAZCACOHIIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 16 metro areas
Top States by Place Specialization Score
Showing 10 of 15 states
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.