The Mortgage Record
Lender report card · New Jersey

Quaint Oak Mortgage, Llc

Allentown, PA · What the federal mortgage record shows about how Quaint Oak Mortgage, Llc treated New Jersey applicants, 2018–2025 — 253 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
93.3%
236 approved
Denial rate
6.7%
17 denied
Decisions
253
2018–2025
Avg. rate spread
+0.31 pp
vs. market benchmark
93.3% approved
6.7% denied

Share of 253 New Jersey applications Quaint Oak Mortgage, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional95.0% of 200 · NJ 87%FHA86.0% of 50 · NJ 79%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

70%77%84%91%98%92%73%89%100%90%100%97%97%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Quaint Oak Mortgage, Llc’s rates ran -0.04 pp lower than the typical New Jersey lender (average rate spread +0.31 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Quaint Oak Mortgage, Llc approves

By income
Under $50k88.0% · 25$50–75k95.7% · 47$75–100k94.7% · 38$100–150k91.2% · 68$150–250k95.3% · 43$250k+96.7% · 30
By debt-to-income
Under 36%95.8% · 9636–43%95.8% · 7143–50%95.6% · 68
By down payment (LTV)
20%+ down95.0% · 14110–20% down96.4% · 285–10% down90.0% · 303–5% down88.9% · 36

Why Quaint Oak Mortgage, Llc denied applications

Collateral (value/type)29% of denialsCredit history18% of denialsUnverifiable information18% of denialsIncomplete application12% of denialsDebt-to-income ratio12% of denialsOther12% of denials

Where Quaint Oak Mortgage, Llc lends in NJ

CountyDecisionsApproval
Atlantic County7898.7%
Camden County4493.2%
Gloucester County3597.1%
Burlington County3196.8%

Fees & closing costs

Median total loan costs
$6,186
home purchase
As % of loan
2.23%
NJ median 1.93%
Priced originations
181
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Quaint Oak Mortgage, Llc’s home-purchase originations — 0.30 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $158. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Quaint Oak Mortgage, Llc to other lenders for your profile

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Quaint Oak Mortgage, Llc (LEI 549300GMP8EYQD4U6Z40). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →