Quontic Bank in Texas vs the state
13.0%Denial rate-6.39 pts vs state
19.4%Decision denial rate-5.55 pts vs state
54.4%Origination rate-0.53 pts vs state
8.31%Median rate+1.81 pts vs state
1.97Rate spread (pts)+1.78 pts vs state
$206kMedian applicant income
50Loans originated
12Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 98 | 55 | 15.3% | 9.13% | #561 |
| 2024 | 118 | 61 | 15.3% | 8.63% | #524 |
| 2025 | 92 | 50 | 13.0% | 8.31% | #571 |
What Quontic Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Quontic Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 15 | 9 | 3 | 20.0% |
| Dallas County | 13 | 8 | 1 | 7.7% |
| Tarrant County | 9 | 6 | 1 | 11.1% |
| Collin County | 8 | 7 | 0 | 0.0% |
| Montgomery County | 6 | 6 | 0 | 0.0% |
| Denton County | 6 | 2 | 0 | 0.0% |
| Travis County | 5 | 0 | 2 | 40.0% |
| Comal County | 3 | 1 | 2 | 66.7% |
| Bexar County | 2 | 0 | 1 | 50.0% |
| Hays County | 2 | 0 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 92 applications in 2025, of which 50 were originated and 12 denied.
13.0% of all applications, or 19.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Quontic Bank originated in Texas in 2025 was 8.31%, against a statewide median of 6.50%.
About this data. Figures are Quontic Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology