Quontic Bank in California vs the state
10.2%Denial rate-7.23 pts vs state
15.4%Decision denial rate-7.02 pts vs state
55.4%Origination rate-0.79 pts vs state
8.38%Median rate+1.75 pts vs state
1.84Rate spread (pts)+1.57 pts vs state
$197kMedian applicant income
87Loans originated
16Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 53 | 24 | 15.1% | 9.25% | #531 |
| 2024 | 173 | 85 | 14.5% | 8.63% | #366 |
| 2025 | 157 | 87 | 10.2% | 8.38% | #388 |
What Quontic Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Quontic Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Contra Costa County | 45 | 37 | 3 | 6.7% |
| Los Angeles County | 21 | 6 | 3 | 14.3% |
| San Diego County | 19 | 8 | 3 | 15.8% |
| Riverside County | 14 | 6 | 2 | 14.3% |
| Orange County | 13 | 10 | 0 | 0.0% |
| San Bernardino County | 8 | 4 | 2 | 25.0% |
| San Joaquin County | 6 | 3 | 0 | 0.0% |
| Sacramento County | 4 | 0 | 0 | 0.0% |
| San Francisco County | 3 | 2 | 0 | 0.0% |
| Solano County | 3 | 3 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 157 applications in 2025, of which 87 were originated and 16 denied.
10.2% of all applications, or 15.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Quontic Bank originated in California in 2025 was 8.38%, against a statewide median of 6.63%.
About this data. Figures are Quontic Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology