Quaint Oak Mortgage in Pennsylvania vs the state
2.1%Denial rate-16.15 pts vs state
2.4%Decision denial rate-19.85 pts vs state
83.1%Origination rate+22.18 pts vs state
6.50%Median rate-0.13 pts vs state
0.32Rate spread (pts)+0.08 pts vs state
$80kMedian applicant income
350Loans originated
9Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 367 | 282 | 4.6% | 6.63% | #174 |
| 2024 | 549 | 460 | 2.9% | 6.63% | #135 |
| 2025 | 421 | 350 | 2.1% | 6.50% | #177 |
What Quaint Oak Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Quaint Oak Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 259 | 209 | 5 | 1.9% |
| Bucks County | 41 | 36 | 1 | 2.4% |
| Montgomery County | 27 | 24 | 0 | 0.0% |
| Lehigh County | 27 | 26 | 0 | 0.0% |
| Northampton County | 20 | 16 | 0 | 0.0% |
| Delaware County | 19 | 16 | 2 | 10.5% |
| Berks County | 8 | 7 | 1 | 12.5% |
| Chester County | 5 | 5 | 0 | 0.0% |
| Monroe County | 4 | 3 | 0 | 0.0% |
| Lackawanna County | 3 | 3 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 421 applications in 2025, of which 350 were originated and 9 denied.
2.1% of all applications, or 2.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Quaint Oak Mortgage originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Quaint Oak Mortgage's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology