Lender in New York · HMDA 2025
Quontic Bank mortgages in New York
Quontic Bank's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Quontic Bank originated 335 owner-occupied single-family loans in New York from 407 completed applications.
Its median conventional purchase loan costs were $16,760 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 7.875% (New York: 6.50%).
Loans in NY
335
of 407 applications
Denial rate
15.7%
Purchase · NY 9.5%
Rate spread
+1.71 pts
Conv. · NY +0.07 pts
Loan amount
$535,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 350 | 292 | 15.7% | 7.875% | +1.71 pts | $16,760 | $535,000 |
| Refinance | 13 | 11 | — | — | — | — | — |
| Cash-out refinance | 44 | 32 | 27.3% | 7.875% | +1.71 pts | $17,230 | $325,000 |
*Conventional loans only; medians with at least 20 loans.
New York counties where Quontic Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Franklin County | 25 | 1 | 0.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology