About Quontic Bank

Quontic, the adaptive digital bank, is a federally chartered online bank offering a full suite of highly competitive, FDIC insured, deposits products online, including:  Money Market Account, Certificate of Deposit and more.
We are also a US Treasury designated CDFI (Community Development Financial Institution) with a mission to provide home financing to under-served populations. Our target borrowers include:

  • Borrowers with good credit who, despite having strong savings or access to gift funds, are un-financeable under Dodd-Frank’s restrictive Ability-to-Repay (ATR) documentation requirements.
  • Families with low or moderate income.
  • Self-employed and W2 borrowers with inconsistent or difficult-to-document income sources.
  • Immigrants or minorities sharing or pooling extended family resources.
  • Real estate investors with complex income who deserve a simplified underwriting process.
  • Foreign nationals seeking mortgage financing in the United States.

Call Us Today

Learn how our Non-QM Community Development Loan programs can help you make more loans.

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1-866-294-2301

Streamline Refinance - Owner Occupied

With this program, we are providing non-traditional access to prime capital fostering homeownership for diverse underbanked individuals and families.

Streamline Refinance - Investor

With this program, we are providing non-traditional access to prime capital fostering homeownership for diverse underbanked individuals and families.

Owner Occupied - No ratio

Quontic looks beyond the standard loan qualification metrics associated with traditional income and credit verification.

Owner Occupied - Lite Doc

We are providing non-traditional access to prime capital fostering homeownership for diverse underbanked individuals and families.

Investor Owned- No Ratio

Serving non-traditional prime borrowers by taking a holistic common sense approach to determining a borrower’s ability to repay

Investor Owned - Lite Doc

We are providing financing for diverse homeowners and real estate investors.

Foreign National

Home loans for non-U.S. citizens anywhere in the 50 United States