Two FDIC banks. One has 3 open enforcement orders. Both write DSCR loans.
Most DSCR-loan listicles tell you to pick between Visio, Kiavi, and Lima One. They almost never mention that two FDIC-insured banks quietly underwrite the same product — under tighter capital rules, with portfolio-retain pricing power, and with public regulatory paper trails you can actually read.
That detail matters more than the rate quote.
Quontic Bank is the one most affiliate sites mention. They are also the one with three open enforcement orders — a 2018 OCC Formal Agreement, a 2022 OCC Cease-and-Desist (#2022-048) requiring 13% total capital, and a 2023 Federal Reserve Written Agreement at the HoldCo locking up dividends and buybacks. None of these are publicly terminated.
NASB — North American Savings Bank — is the one almost no aggregator covers. Their last enforcement order (2012 OCC #2012-067) was publicly terminated in March 2014, and they have written zero new ones in eleven years. $2.97B in assets vs Quontic's $832M. 14.7% equity-to-assets vs the regulatory floor. Hancock-family controlled, founded 1927, federally chartered Missouri thrift.
Both banks will write you a DSCR loan in 2026.
We spent the last week reading every OCC enforcement archive entry, every 10-K, every NMLS license record, and every state DFI filing for both — and corrected at least six widely-copied aggregator errors about each.
The full forensic on NASB is live:
The Quontic forensic (with all three open orders documented) is here:
Read the Quontic Bank DSCR review →
One more thing. If you're actually running DSCR math right now and want to see which of the nine top lenders your deal qualifies for — including the FDIC-bank floors above — we're about to ship an interactive calculator that maps your numbers against every lender's floor in real time. Drops this week.
— Jorge