Applications / Mortgage Analytics / Lenders / Pennsylvania / Quaint Oak Mortgage
Southampton, PA · Non-bank subsidiary of a bank · CFPB · 388 loans in 2025
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388
loans originated, 2025
470
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Quaint Oak Mortgage, a Pennsylvania lender owned by a bank, makes a larger share of its loans in poorer and minority neighborhoods than any similar lender.
It made 40.4% of its loans in low- and moderate-income (LMI) neighborhoods, against 15.5% at similar lenders (bank-owned non-bank lenders making between a quarter and four times as many loans). Neighborhoods where most residents belong to minority groups took 49.7%, against 8.2%. On both measures it is the highest of its peers.
Home purchases made up 96.9% of its loans. LMI borrowers took 47.0%, against 25.9% at similar lenders. Loans insured by the Federal Housing Administration (FHA) were 26.8%, against 9.5%, and nearly double its own share the year before.
Despite that mix, only 0.3% of its loans were higher-priced (a rate well above the average for similar loans), against 0.6% at similar lenders. It turned down 2.1% of home-purchase applications, against 4.1%. Its typical rate, 6.50%, matched its peers'.
Its loans fell 21%, to 388. Similar lenders grew 3%, and the whole market 10%. In Allentown-Bethlehem-Easton its share slipped to 0.2% from 0.4%. The figures do not show whether demand from its buyers fell or it chose to lend less.
Similar lenders: same lender type, originations between a quarter and four times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Quaint Oak Mortgage took 470 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 96.9% · Refinance 3.1%
Conventional 70.4% · FHA 26.8% · VA 2.6% · USDA (RHS or FSA) 0.3% · of 388 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 |
|---|---|---|
| Pennsylvania | 350 | 90.2% |
| New Jersey | 30 | 7.7% |
| Delaware | 4 | 1.0% |
| Florida | 3 | 0.8% |
| New York | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Philadelphia | 225 |
| Montgomery County-Bucks County-Chester County | 65 |
| Allentown-Bethlehem-Easton | 42 |
| Atlantic City-Hammonton | 23 |
| Reading | 7 |
| Camden | 6 |
| Scranton--Wilkes-Barre | 3 |
| Wilmington | 3 |
| Harrisburg-Carlisle | 2 |
| Ocala | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GMP8EYQD4U6Z40 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7383799175 |
Established 24 March 2009. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Quaint Oak Mortgage's data.
Quaint Oak Mortgage's data
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Quaint Oak Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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