Quontic, The Adaptive Digital Bank

We’ve earned a name for ourselves in the decade-plus we’ve been in business. Quontic serves all 50 states as a federally chartered digital bank, and we’re a US Treasury designated CDFI. We adapt to meet the needs of our customers. Our mortgage loan programs were created to be adaptive to our customers’ unique circumstances, reducing the hassle of reams and reams of paperwork.

Quontic’s mission is to help creditworthy borrowers get home loans. We believe the best way to do that is to change the system in a way that provides access to home financing opportunities for underserved populations. And that’s what we’re doing —disrupting the old way of banking — by putting customers first through our solid working relationships with independent brokers.

Broker Benefits

Broker Benefits

Access to Unique Loans

We know that borrowers aren’t ‘one size fits all’ so our loan solutions are adaptive to people’s circumstances.

A Simpler Process

As a CDFI, we evaluate borrowers differently, and that often means less paperwork.

Quick Turn Times

We’ve removed the red tape to make sure we close loans faster than competitors.

Quontic's Leadership Team

Quontic's Leadership Team

Steven Schnall

Founder & Chief Executive Officer

George Lazaridis

Chief Lending Officer

Jessica Bluj

Chief Operating Officer

Types of Borrowers Who Love Us

Types of Borrowers Who Love Us

Self employed couple
Self-employed and W2 borrowers with inconsistent or difficult-to-document income sources.
women in the laundry with her kid holding a book
Families with low or moderate income.
a guy checking his statement
Borrowers with good credit who may not show consistent income, despite having strong savings or access to gift funds.
Real estate investor
Real estate investors with complex income who deserve a simplified underwriting process.
family taking a picture in the phone
Immigrants and minorities sharing or pooling extended family resources.
A family smiling
Foreign nationals seeking mortgage financing in the United States.
CDFI Fund Logo

We Are Proud To Be a CDFI

Quontic is one of only 2% of banks in the U.S. to earn a U.S Treasury CDFI designation for delivering on its mission to elevate the financial strength of low-income Americans. Quontic’s employees are as diverse and inclusive as its customers, with over 60% who identify as other than Caucasian and 55% female. Most notably, more than 70% of Quontic’s mortgages are to low-income households. Let’s do good together!

A guy with his kid

Community Development Loan Program Advantages

Quontic’s Community Development Loan program provides non-traditional access to prime capital that fosters homeownership for diverse underbanked individuals and families. We look beyond standard loan qualification metrics associated with traditional income verification. Instead, we consider the borrower’s overall financial and credit profile. That’s why we can offer this special no tax return/no-income verification mortgage loan.
This program is perfect for self-employed, low-income borrowers, or those who can’t provide standard income documentation such as W2s, pay stubs, or tax returns. Every home financed represents a critical step in the transformation of a life, a family, and a community.

Call Us Today

Call us today to learn how our full line of products can change your pipeline forever. Have questions? Simply fill out this form and one of our experienced Account Executives will reach out to you soon.

Call us today to learn how our full line of products can change your pipeline forever. Have questions? Simply fill out this form and one of our experienced Account Executives will reach out to you soon.


All lending products are subject to credit & property approval. Rates, program terms & conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions & limitations apply. Quontic Bank name & logo are registered trademarks. © 2020 Quontic Bank. All rights reserved.

Information is accurate as of the date listed below and may change without notice.

February 10, 2022