Quontic Bank
1,190 mortgages originated in 2025 across 5 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,190
- Median rate
- 8.250%
- Median lender fees
- $12,860
- Median loan amount
- $355,000
- Median spread over APOR
- 1.966
- Paid discount points
- 59.7%
- Received lender credits
- 41.2%
- Purchases / refinances
- 61.7% / 15.3%
- Conventional / FHA / VA
- 98.3% / 1.7% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 89.6% of loans here — see methodology.
Where Quontic Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New York | 550 | $14,600 | 8.125% |
| New Jersey | 112 | $13,275 | 8.500% |
| Florida | 108 | $13,146 | 8.375% |
| California | 87 | $11,465 | 8.375% |
| Texas | 50 | — | 8.313% |