Bank Of Stockton Mortgage Rates, Fees & Info

Stockton, CA

LEI: 254900SRWC0U4V5XQ024

Tax ID: 94-0902780

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Bank Of Stockton is a smaller bank specializing in Home Purchase and Refi loans. Bank Of Stockton has a high proportion of conventional loans. Their top markets by origination volume include: Stockton, Vallejo, Modesto, Sacramento, and Napa among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bank Of Stockton has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    133

    Origination Dollar Volume (All Markets)

    $58,195,000

    Employee count

    388

    Top 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) 62 $21,490,000 $346,613 $0 0.00%
    VALLEJO, CA (FHA|USDA|VA) 5 $15,695,000 $3,139,000 $0 0.00%
    MODESTO, CA (FHA|USDA|VA) 33 $10,515,000 $318,636 $0 0.00%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 9 $3,095,000 $343,889 $0 0.00%
    NAPA, CA (FHA|USDA|VA) 4 $1,900,000 $475,000 $0 0.00%
    Outside of Metro Areas 6 $1,420,000 $236,667 $0 0.00%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $0 0.00%
    Sonora, CA (FHA|USDA|VA) 6 $1,170,000 $195,000 $0 0.00%
    MERCED, CA (FHA|USDA|VA) 4 $900,000 $225,000 $0 0.00%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $620,000 $310,000 $0 0.00%
    VISALIA, CA (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
    Bank Of Stockton's top markets include Stockton, Vallejo, Modesto, Sacramento, and Napa among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 133 $58,195,000 $437,556 $0 0.00%

    For 2019, Bank Of Stockton's most frequently originated type of loan was Conventional, with 133 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 56 $31,840,000 $568,571 $0 0.00%
    Refi 40 $16,670,000 $416,750 $0 0.00%
    Cash Out Refi 29 $7,745,000 $267,069 $0 0.00%
    Home Improvement 6 $830,000 $138,333 $0 0.00%
    Other 2 $1,110,000 $555,000 $0 0.00%

    For 2019, Bank Of Stockton's most frequently cited loan purpose was Home Purchase, with 56 originations. The 2nd most popular reason was Refi, with 40 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 133 $58,195,000 $437,556 $0 0.00%

    For 2019, Bank Of Stockton's most frequently cited loan duration was Other, with 133 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 58 $16,030,000 $276,379 $0 0.00%
    $100k-200k 33 $4,995,000 $151,364 $0 0.00%
    $400k-600k 22 $10,060,000 $457,273 $0 0.00%
    $100,000 or less 8 $500,000 $62,500 $0 0.00%
    $600k-1MM 7 $4,875,000 $696,429 $0 0.00%
    $1MM+ 5 $21,735,000 $4,347,000 $0 0.00%

    2019 saw Bank Of Stockton place emphasis on $200k-400k loans with 58 originations, totaling $16,030,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 29 $11,465,000 $395,345 $0 0.00%
    $150k-250k 25 $8,345,000 $333,800 $0 0.00%
    $100k-150k 20 $6,150,000 $307,500 $0 0.00%
    $75k-100k 14 $3,680,000 $262,857 $0 0.00%
    $50k-75k 9 $1,565,000 $173,889 $0 0.00%
    $50k or less 5 $595,000 $119,000 $0 0.00%

    Bank Of Stockton lent most frequently to those with incomes in the $250k+ range, with 29 originations. The second most popular income band? $150k-250k, with 25 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 133 $58,195,000 $437,556 $0 0.00%

    Bank Of Stockton lent most frequently to those with DTI ratios of Exempt%, with 133 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 105 $31,105,000 $296,238 $0 0.00%
    Not applicable 13 $22,505,000 $1,731,154 $0 0.00%
    Asian 8 $2,650,000 $331,250 $0 0.00%
    Other Pacific Islander 1 $435,000 $435,000 $0 0.00%
    Black 2 $420,000 $210,000 $0 0.00%
    Japanese 1 $415,000 $415,000 $0 0.00%
    Asian Indian 1 $375,000 $375,000 $0 0.00%
    Not provided 2 $290,000 $145,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    88.14%

    Bank Of Stockton has an average approval rate.

    Pick Rate

    Approvals leading to origination
    78.95%

    Bank Of Stockton has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 133 $58,195,000 $437,556

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 6 $21,230,000 $3,538,333
    Single Family (1-4 Units):Manufactured 5 $1,145,000 $229,000
    Single Family (1-4 Units):Site-Built 122 $35,820,000 $293,607

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 1 7.1%
    BANK OF THE WEST Other type of mortgage Closing on a mortgage 1 7.1%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 2 14.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 6 42.9%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 7.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank of Stockton 1175 North Tracy Boulevard Tracy, CA 95376 Full Service B&M $133,667
    Bank of Stockton 120 West Walnut Street Lodi, CA 95240 Full Service B&M $230,961
    Bank of Stockton 1302 J Street Modesto, CA 95354 Full Service B&M $303,413
    Bank of Stockton 134 S. Golden State Blvd. Turlock, CA 95380 Full Service B&M $108,983
    Bank of Stockton 1376 East 'f' Street Oakdale, CA 95361 Full Service B&M $53,031
    Bank of Stockton 1505 Second Street Napa, CA 94559 Full Service B&M $48,321
    Bank of Stockton 20004 State Highway 88 Pine Grove, CA 95665 Full Service B&M $64,825
    Bank of Stockton 229 South Main Street Angels Camp, CA 95222 Full Service B&M $49,458
    Bank of Stockton 230 Main Street Rio Vista, CA 94571 Full Service B&M $55,867
    Bank of Stockton 234 West Main Street Ripon, CA 95366 Full Service B&M $139,984
    Bank of Stockton 2407 Waterman Boulevard Fairfield, CA 94533 Full Service B&M $33,389
    Bank of Stockton 242 South Washington Street Sonora, CA 95370 Full Service B&M $62,409
    Bank of Stockton 301 East Miner Avenue Stockton, CA 95202 Full Service B&M $523,439
    Bank of Stockton 4204 Dale Road Modesto, CA 95354 Full Service B&M $63,965
    Bank of Stockton 4515 Quail Lakes Drive Stockton, CA 95207 Full Service B&M $121,096
    Bank of Stockton 6590 Lone Tree Way Brentwood, CA 94513 Full Service B&M $18,205
    Bank of Stockton 660 North Main Street Manteca, CA 95336 Full Service B&M $252,992
    Bank of Stockton 6808 Pacific Avenue Stockton, CA 95207 Full Service B&M $183,417
    Bank of Stockton 8150 Laguna Boulevard Elk Grove, CA 95758 Full Service B&M $55,109

    For 2019, Bank Of Stockton had 19 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $129,262
    Net interest income $123,127
    Total noninterest income $19,284
    Gross Fiduciary activities income $5,158
    Service charges on deposit accounts $5,727
    Trading account gains and fees $0
    Additional Noninterest Income $8,399
    Pre-tax net operating income $69,997
    Securities gains (or losses, -) $104,391
    Income before extraordinary items $125,880
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $125,880
    Minority interest net income $0
    Net income $125,880
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $43,411

    Bank Of Stockton's gross interest income from loans was $129,262,000.
    Bank Of Stockton's net interest income from loans was $123,127,000.
    Bank Of Stockton's fee based income from loans was $5,727,000.
    Bank Of Stockton's net income from loans was $125,880,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,135
    Provision for credit losses $3,500
    Total noninterest expense $68,914
    Salaries and employee benefits $44,653
    Premises and equipment expense $7,086
    Additional noninterest expense $17,175
    Applicable income taxes $48,508
    Net charge-offs $2,100
    Cash dividends $8,750

    Bank Of Stockton's interest expense for loans was $6,135,000.
    Bank Of Stockton's payroll and benefits expense were $44,653,000.
    Bank Of Stockton's property, plant and equipment expenses $7,086,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 1.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.8%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,598,810
    Deposits held in domestic offices $2,598,810
    Deposits by Individuals, partnerships, and corporations $2,555,522
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $43,288
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $487,365
    Demand deposits $487,365
    Nontransaction accounts $2,111,445
    Money market deposit accounts (MMDAs) $1,397,050
    Other savings deposits (excluding MMDAs) $445,115
    Total time deposits $269,280
    Total time and savings deposits $2,111,445
    Noninterest-bearing deposits $861,466
    Interest-bearing deposits $1,737,344
    Retail deposits $2,488,589
    IRAs and Keogh plan accounts $33,212
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,357,539
    Cash & Balances due from depository institutions $227,595
    Interest-bearing balances $181,042
    Total securities $1,070,947
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,847,744
    Loan and leases loss allowance $57,486
    Trading account assets $0
    Bank premises and fixed assets $44,095
    Other real estate owned $255
    Goodwill and other intangibles $36,562
    All other assets $130,341

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,357,539
    Total Liabilities $2,757,506
    Total deposits $2,598,810
    Interest-bearing deposits $1,737,344
    Deposits held in domestic offices $2,598,810
    % insured (estimated) $65
    Federal funds purchased and repurchase agreements $2,486
    Trading liabilities $0
    Other borrowed funds $6,569
    Subordinated debt $0
    All other liabilities $149,641

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,847,744
    Loan and leases loss allowance $57,486
    Total loans and leases (domestic) $1,905,230
    All real estate loans $1,188,391
    Real estate loans in domestic offices $1,188,391
    Construction and development loans $87,683
    Residential 1-4 family construction $13,349
    Other construction, all land development and other land $74,334
    Loans secured by nonfarm nonresidential properties $530,366
    Nonfarm nonresidential secured by owner-occupied properties $164,264
    Commercial real estate & other non-farm, non-residential $366,102
    Multifamily residential real estate $61,477
    1-4 family residential loans $276,436
    Farmland loans $232,429
    Loans held in foreign offices $0
    Farm loans $123,366
    Commercial and industrial loans $214,019
    To non-U.S. addressees $0
    Loans to individuals $352,725
    Credit card loans $2,474
    Related Plans $499
    Consumer Auto Loans $309,441
    Other loans to individuals $40,311
    All other loans & leases $26,729
    Loans to foreign governments and official institutions $0
    Other loans $897
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $15,292
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $7,636
    Non 1-4 family restructured loans & leases $7,209
    Total loans and leases (foreign) $0

    Bank of Stockton had $1,847,744,000 of loans outstanding in 2019. $1,188,391,000 of loans were in real estate loans. $87,683,000 of loans were in development loans. $61,477,000 of loans were in multifamily mortgage loans. $276,436,000 of loans were in 1-4 family mortgage loans. $123,366,000 of loans were in farm loans. $2,474,000 of loans were in credit card loans. $309,441,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 393 $130,054 $330,926
    Nonfarm, nonresidential loans - <$100k 26 $1,252 $48,154
    Nonfarm, nonresidential loans - $100-250k 107 $13,971 $130,570
    Nonfarm, nonresidential loans - $250k-1MM 260 $114,831 $441,658
    Commercial & Industrial, US addressed loans - <$1MM 708 $95,187 $134,445
    Commercial & Industrial, US addressed loans - <$100k 330 $12,424 $37,648
    Commercial & Industrial, US addressed loans - $100-250k 177 $19,936 $112,633
    Commercial & Industrial, US addressed loans - $250k-1MM 201 $62,827 $312,572
    Farmland loans - <$1MM 91 $17,856 $196,220
    Farmland loans - <$100k 3 $133 $44,333
    Farmland loans - $100-250k 48 $6,637 $138,271
    Farmland loans - $250k-1MM 40 $11,086 $277,150
    Agriculture operations loans - <$1MM 132 $18,208 $137,939
    Agriculture operations loans - <$100k 41 $1,375 $33,537
    Agriculture operations loans - $100-250k 48 $5,704 $118,833
    Agriculture operations loans - $250k-1MM 43 $11,129 $258,814