Quaint Oak Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
87th2.4% deniedPricingmedian rate spread over APOR, weight 30%
45th0.31 ptsProcesswithdrawn + incomplete share, weight 15%
59th9.6%Closing coststotal loan costs ÷ loan amount, weight 10%
24th2.75% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 404 | 305 | 5.5% | 6.1% | 6.63% | $76M |
| 2024 | 590 | 492 | 3.1% | 3.4% | 6.63% | $129M |
| 2025 | 470 | 388 | 2.1% | 2.4% | 6.50% | $108M |
What Quaint Oak Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 34 investment properties.
Why Quaint Oak Mortgage denies applications
Primary reason reported for each of the 10 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Quaint Oak Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 74 | 63 | 1.5% |
| $50k – $100k | 242 | 192 | 2.8% |
| $100k – $150k | 77 | 66 | 2.8% |
| $150k – $250k | 50 | 44 | 0.0% |
| Over $250k | 22 | 20 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 28 | 21 | 0.0% |
| 25–34 | 165 | 133 | 3.4% |
| 35–44 | 135 | 112 | 1.6% |
| 45–54 | 73 | 62 | 1.5% |
| 55–64 | 51 | 44 | 2.1% |
Where Quaint Oak Mortgage lends
5 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 421 | 350 | 2.1% | 6.50% | #177 |
| New Jersey | 40 | 30 | 2.5% | 6.38% | #382 |
| Delaware | 5 | 4 | 0.0% | 6.31% | #322 |
Frequently asked questions
Quaint Oak Mortgage denied 2.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 87th percentile of small mortgage lenders.
The most common reason Quaint Oak Mortgage gave in 2025 was "collateral", cited on 30.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Quaint Oak Mortgage originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.31 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 97% of its applications were for home purchases, 3% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 71% conventional, 27% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.