Paying in Cash to Employees and Independent Contractors
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Quontic, which opened its doors in 2009, had to about-face abroad some of these barter in the past. But the bank’s CDFI acceptance aftermost year paved the way for the Lite Doc program. Since again it has fabricated added than $50 actor in Lite Doc loans.

Although the loans complete agnate to the No-Doc loans—aka “liar loans”— that forth with subprime loans helped ammunition the mortgage crisis, Schnall insists they affectation little risk.

“We did a lot of research,” he said, including crunching mortgage absence data. It turns out that back the loan-to-value ratio—a admeasurement of the admeasurement of the mortgage to the amount of the home—was 60% or beneath and the FICO account was 700 or greater, the adventure of default, alike through the acclaim crisis, was beneath than 1%. In added words, acceptable acclaim and a big bottomward acquittal according actual low risk.

“Borrowers who accept assets to accomplish abundant bottomward payments and accept acceptable acclaim histories don’t default,” he said.

Other lenders, such as nonprofit microlenders Grameen Coffer and Kiva, which accomplish loans of beneath than $20,000, accept approved that back a borrower involves ancestors or association members, they accept an added allurement to pay, which creates an added barrier adjoin defaulting.

“The CDFI appellation is important to us,” said Schnall, because it formally acknowledges the assignment the coffer does in underserved communities. “Having the absolution of the U.S. Treasury helps others, including our primary regulator, the Office of the Comptroller of the Currency, accept why what we’re accomplishing makes faculty and is important.”

CDFI cachet confers added advantages. It allows Quontic to administer for federal grants (although the Treasury Department–run CDFI Fund is on the Trump administration’s chopping block). In September Quontic was awarded its aboriginal grant, for $227,000, to advance lending in afflicted communities.

Last year Quontic was ranked aboriginal for all-embracing banking bloom amid New York banks with beneath $250 actor in assets by DD&F Consulting Group. Quontic’s advance has bumped it into a higher, added awash category, area it best afresh ranked ninth amid 33 banks in the $250 actor to $500 actor range. Back it comes to accommodation quality, said Randy Dennis, DD&F’s president, “Quontic measures actual able-bodied adjoin its peers.”

Quontic additionally makes commonly underwritten mortgage loans that chase federal guidelines; those it sells off to the accessory market. The Lite Doc loans, which accomplish up about a third of its offerings, command a college absorption amount (typically 5.25% to 5.75%), and Quontic holds on to them for their absolute term. The coffer is abacus about $6 actor in Lite Doc loans a ages to its antithesis sheet, said Schnall, who, as allotment of a three-member acclaim committee, alone reviews every Lite Doc application. Acclaim memos can run to 20 pages.

Schnall expects Quontic to bifold its assets by 2020, on its way to actuality a billion-dollar bank. He’s attractive to accessible a annex in Flushing, and conceivably accomplish an acquisition. And he’s broadcast Quontic’s mortgage lending above New York’s borders with offices in Virginia, Massachusetts and Georgia. But for now, at least, Quontic makes Lite Doc loans alone in New York. “We like lending area we accept the absolute acreage and the borrowers,” Schnall said.

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