Applications / Mortgage Analytics / Lenders / New York / Quontic Bank
Astoria, NY · Savings institution · OCC · $832 million assets · 1,190 loans in 2025
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1,190
loans originated, 2025
2,114
applications, 2025
40
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Quontic Bank, a New York savings institution lending in 40 states, makes larger loans than similar lenders with an unusually high share in majority-minority areas, and its lending fell 8% in 2025 while theirs grew.
Originations fell 8% to 1,190, while similar lenders (savings institutions making between half and twice as many loans) grew 5% and the whole market 10%; its change was lower than more than eight in ten of them. It lent in 150 metros, and in New York-Newark-Jersey City, its largest market, it ranked 95 of 802. Volume was above the 1,002 loans of five years before but far below the 4,003 of 2021.
Its typical loan, $355,000, was larger than at nearly nine in ten similar lenders, where it was $235,000. Home purchases were 61.7% of its loans and other purposes 21.5%.
Majority-minority areas took 41.2% of its loans, against 7.3% at similar lenders, the highest among them. LMI (low- and moderate-income) areas took 27.5%, against 13.8%, higher than nearly all of them.
LMI borrowers took 15.1% of its loans, against 25.5% at similar lenders, among the lowest tenth. Its larger loans, which tend to go to higher-income households, and its mainly big-city markets are possible reasons; the share has risen from 13.6% five years before.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Quontic Bank took 2,114 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.7% · Other 21.5% · Refinance 15.3% · Home improvement 1.5%
Conventional 98.3% · FHA 1.7% · of 1,190 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 550 | 46.2% |
| New Jersey | 112 | 9.4% |
| Florida | 108 | 9.1% |
| California | 87 | 7.3% |
| Texas | 50 | 4.2% |
| Connecticut | 31 | 2.6% |
| Massachusetts | 29 | 2.4% |
| Pennsylvania | 25 | 2.1% |
| Georgia | 20 | 1.7% |
| Illinois | 17 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 304 |
| Nassau County-Suffolk County | 225 |
| Newark | 37 |
| Oakland-Fremont-Berkeley | 37 |
| Miami-Miami Beach-Kendall | 22 |
| Houston-Pasadena-The Woodlands | 20 |
| Dallas-Plano-Irving | 19 |
| Fort Lauderdale-Pompano Beach-Sunrise | 19 |
| Lakewood-New Brunswick | 19 |
| West Palm Beach-Boca Raton-Delray Beach | 18 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549004XJQQPBYQSMT39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3340725 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1717974 | 2011–2017 |
Established 14 March 2005. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Quontic Bank's data.
Quontic Bank's data
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