Quontic Bank in New York vs the state
11.7%Denial rate-8.02 pts vs state
17.1%Decision denial rate-6.95 pts vs state
56.1%Origination rate-3.47 pts vs state
8.13%Median rate+1.50 pts vs state
1.99Rate spread (pts)+1.78 pts vs state
$176kMedian applicant income
550Loans originated
115Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 855 | 549 | 9.5% | 8.88% | #90 |
| 2024 | 882 | 555 | 9.8% | 8.38% | #90 |
| 2025 | 980 | 550 | 11.7% | 8.13% | #95 |
What Quontic Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Quontic Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 219 | 125 | 22 | 10.0% |
| Queens County | 189 | 102 | 26 | 13.8% |
| Nassau County | 152 | 100 | 11 | 7.2% |
| Kings County | 119 | 65 | 19 | 16.0% |
| Bronx County | 68 | 35 | 8 | 11.8% |
| Westchester County | 42 | 26 | 6 | 14.3% |
| Richmond County | 40 | 24 | 2 | 5.0% |
| Erie County | 24 | 13 | 4 | 16.7% |
| New York County | 21 | 6 | 7 | 33.3% |
| Orange County | 18 | 9 | 1 | 5.6% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 980 applications in 2025, of which 550 were originated and 115 denied.
11.7% of all applications, or 17.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Quontic Bank originated in New York in 2025 was 8.13%, against a statewide median of 6.63%.
About this data. Figures are Quontic Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology