Bank Of Stockton Mortgage Rates, Fees & Info
Stockton, CALEI: 254900SRWC0U4V5XQ024
Tax ID: 94-0902780
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Bank Of Stockton is a smaller bank specializing in Home Improvement, Home Purchase, and Refi loans. Bank Of Stockton has a high proportion of conventional loans. Their top markets by origination volume include: Stockton, Modesto, Salinas, Sacramento, and San Francisco among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)Bank Of Stockton has a below average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Originations
159Origination Dollar Volume (All Markets)
$55,475,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| STOCKTON, CA (FHA|USDA|VA) | 82 | $27,320,000 | $333,171 | $0 | 0.00% |
| MODESTO, CA (FHA|USDA|VA) | 25 | $8,155,000 | $326,200 | $0 | 0.00% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $5,760,000 | $2,880,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 6 | $4,400,000 | $733,333 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 8 | $3,360,000 | $420,000 | $0 | 0.00% |
| Outside of Metro Areas | 13 | $1,695,000 | $130,385 | $0 | 0.00% |
| Sonora, CA (FHA|USDA|VA) | 10 | $1,380,000 | $138,000 | $0 | 0.00% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $0 | 0.00% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $0 | 0.00% |
| MERCED, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 0.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 0.00% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $0 | 0.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 0.00% |
| MADERA, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 159 | $55,475,000 | $348,899 | $0 | 0.00% |
For 2023, Bank Of Stockton's most frequently originated type of loan was Conventional, with 159 originations.
Loan Reason
For 2023, Bank Of Stockton's most frequently cited loan purpose was Home Improvement, with 73 originations. The 2nd most popular reason was Home Purchase, with 31 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 159 | $55,475,000 | $348,899 | $0 | 0.00% |
For 2023, Bank Of Stockton's most frequently cited loan duration was Other, with 159 originations.
Loan Sizing
2023 saw Bank Of Stockton place emphasis on $100,000 or less loans with 47 originations, totaling $2,925,000 in origination value.
Applicant Income
Bank Of Stockton lent most frequently to those with incomes in the $250k+ range, with 37 originations. The second most popular income band? $150k-250k, with 32 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 159 | $55,475,000 | $348,899 | $0 | 0.00% |
Bank Of Stockton lent most frequently to those with DTI ratios of Exempt%, with 159 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications68.50%
Bank Of Stockton has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination94.97%
Bank Of Stockton has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 159 | $55,475,000 | $348,899 |