Bank Of Stockton Mortgage Rates, Fees & Info
Stockton, CALEI: 254900SRWC0U4V5XQ024
Tax ID: 94-0902780
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Bank Data
Review & Overview
Bank Of Stockton is a smaller bank specializing in Refi, Cash Out Refi, and Home Purchase loans. Bank Of Stockton has a high proportion of conventional loans. Their top markets by origination volume include: Stockton, Modesto, San Francisco, Sonora, and Sacramento among others. We have data for 18 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.
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Originations
208Origination Dollar Volume (All Markets)
$75,930,000Employee count
401Top 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) | 97 | $33,655,000 | $346,959 | $0 | 0.00% |
| MODESTO, CA (FHA|USDA|VA) | 45 | $12,995,000 | $288,778 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 15 | $6,335,000 | $422,333 | $0 | 0.00% |
| Sonora, CA (FHA|USDA|VA) | 6 | $5,000,000 | $833,333 | $0 | 0.00% |
| Outside of Metro Areas | 17 | $4,855,000 | $285,588 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $3,200,000 | $400,000 | $0 | 0.00% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $2,645,000 | $2,645,000 | $0 | 0.00% |
| NAPA, CA (FHA|USDA|VA) | 2 | $1,900,000 | $950,000 | $0 | 0.00% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $0 | 0.00% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $0 | 0.00% |
| RENO, NV (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| CHICO, CA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 0.00% |
| BEND, OR (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 0.00% |
| MERCED, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 208 | $75,930,000 | $365,048 | $0 | 0.00% |
For 2021, Bank Of Stockton's most frequently originated type of loan was Conventional, with 208 originations.
Loan Reason
For 2021, Bank Of Stockton's most frequently cited loan purpose was Refi, with 82 originations. The 2nd most popular reason was Cash Out Refi, with 67 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 208 | $75,930,000 | $365,048 | $0 | 0.00% |
For 2021, Bank Of Stockton's most frequently cited loan duration was Other, with 208 originations.
Loan Sizing
2021 saw Bank Of Stockton place emphasis on $200k-400k loans with 100 originations, totaling $28,050,000 in origination value.
Applicant Income
Bank Of Stockton lent most frequently to those with incomes in the $250k+ range, with 40 originations. The second most popular income band? $100k-150k, with 30 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 208 | $75,930,000 | $365,048 | $0 | 0.00% |
Bank Of Stockton lent most frequently to those with DTI ratios of Exempt%, with 208 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.84%
Bank Of Stockton has an average approval rate.
Pick Rate
Approvals leading to origination78.85%
Bank Of Stockton has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 208 | $75,930,000 | $365,048 |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BANK OF THE WEST | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 5 | 16.7% |
| BANK OF THE WEST | VA mortgage | Trouble during payment process | 1 | 3.3% |
| BANK OF THE WEST | Other type of mortgage | Trouble during payment process | 2 | 6.7% |
| BANK OF THE WEST | Other type of mortgage | Struggling to pay mortgage | 1 | 3.3% |
| BANK OF THE WEST | Other type of mortgage | Closing on a mortgage | 1 | 3.3% |
| BANK OF THE WEST | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 3.3% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Trouble during payment process | 3 | 10.0% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 4 | 13.3% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 2 | 6.7% |
| BANK OF THE WEST | FHA mortgage | Trouble during payment process | 1 | 3.3% |
| BANK OF THE WEST | Conventional home mortgage | Struggling to pay mortgage | 2 | 6.7% |
| BANK OF THE WEST | Conventional home mortgage | Closing on a mortgage | 1 | 3.3% |
| BANK OF THE WEST | Conventional home mortgage | Trouble during payment process | 6 | 20.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Bank of Stockton | 1102 W. Kettleman Lane Lodi, CA 95240 | Full Service B&M | $4,771 |
| Bank of Stockton | 1175 North Tracy Boulevard Tracy, CA 95376 | Full Service B&M | $172,923 |
| Bank of Stockton | 120 West Walnut Street Lodi, CA 95240 | Full Service B&M | $312,205 |
| Bank of Stockton | 1302 J Street Modesto, CA 95354 | Full Service B&M | $407,938 |
| Bank of Stockton | 134 S. Golden State Blvd. Turlock, CA 95380 | Full Service B&M | $175,457 |
| Bank of Stockton | 1376 East 'f' Street Oakdale, CA 95361 | Full Service B&M | $74,797 |
| Bank of Stockton | 1505 Second Street Napa, CA 94559 | Full Service B&M | $55,020 |
| Bank of Stockton | 20004 State Highway 88 Pine Grove, CA 95665 | Full Service B&M | $81,670 |
| Bank of Stockton | 229 South Main Street Angels Camp, CA 95222 | Full Service B&M | $74,225 |
| Bank of Stockton | 230 Main Street Rio Vista, CA 94571 | Full Service B&M | $77,237 |
| Bank of Stockton | 234 West Main Street Ripon, CA 95366 | Full Service B&M | $199,364 |
| Bank of Stockton | 2407 Waterman Boulevard Fairfield, CA 94533 | Full Service B&M | $58,879 |
| Bank of Stockton | 242 South Washington Street Sonora, CA 95370 | Full Service B&M | $81,346 |
| Bank of Stockton | 301 East Miner Avenue Stockton, CA 95202 | Full Service B&M | $733,193 |
| Bank of Stockton | 4204 Dale Road Modesto, CA 95354 | Full Service B&M | $142,323 |
| Bank of Stockton | 4515 Quail Lakes Drive Stockton, CA 95207 | Full Service B&M | $188,401 |
| Bank of Stockton | 6590 Lone Tree Way Brentwood, CA 94513 | Full Service B&M | $39,913 |
| Bank of Stockton | 660 North Main Street Manteca, CA 95336 | Full Service B&M | $321,620 |
| Bank of Stockton | 6808 Pacific Avenue Stockton, CA 95207 | Full Service B&M | $250,997 |
| Bank of Stockton | 8150 Laguna Boulevard Elk Grove, CA 95758 | Full Service B&M | $81,607 |
For 2021, Bank Of Stockton had 20 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $126,010 |
| Net interest income | $123,921 |
| Total noninterest income | $25,487 |
| Gross Fiduciary activities income | $6,196 |
| Service charges on deposit accounts | $5,611 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $13,680 |
| Pre-tax net operating income | $73,400 |
| Securities gains (or losses, -) | $64,660 |
| Income before extraordinary items | $100,330 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $100,330 |
| Minority interest net income | $0 |
| Net income | $100,330 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $49,248 |
Bank Of Stockton's gross interest income from loans was $126,010,000.
Bank Of Stockton's net interest income from loans was $123,921,000.
Bank Of Stockton's fee based income from loans was $5,611,000.
Bank Of Stockton's net income from loans was $100,330,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $2,089 |
| Provision for credit losses | $6,000 |
| Total noninterest expense | $70,008 |
| Salaries and employee benefits | $46,119 |
| Premises and equipment expense | $7,398 |
| Additional noninterest expense | $16,491 |
| Applicable income taxes | $37,730 |
| Net charge-offs | $-1,620 |
| Cash dividends | $20,000 |
Bank Of Stockton's interest expense for loans was $2,089,000.
Bank Of Stockton's payroll and benefits expense were $46,119,000.
Bank Of Stockton's property, plant and equipment expenses $7,398,000.
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 | 0.0% |
| 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 | 1.0% |
| 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 | $3,927,325 |
| Deposits held in domestic offices | $3,927,325 |
| Deposits by Individuals, partnerships, and corporations | $3,890,160 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $37,165 |
| 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 | $2,307,876 |
| Demand deposits | $2,307,876 |
| Nontransaction accounts | $1,619,449 |
| Money market deposit accounts (MMDAs) | $680,489 |
| Other savings deposits (excluding MMDAs) | $717,266 |
| Total time deposits | $221,694 |
| Total time and savings deposits | $1,619,449 |
| Noninterest-bearing deposits | $1,354,521 |
| Interest-bearing deposits | $2,572,804 |
| Retail deposits | $3,842,780 |
| IRAs and Keogh plan accounts | $31,519 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $4,778,669 |
| Cash & Balances due from depository institutions | $534,415 |
| Interest-bearing balances | $467,236 |
| Total securities | $2,224,214 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $1,788,388 |
| Loan and leases loss allowance | $71,597 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $52,196 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $36,309 |
| All other assets | $143,147 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $4,778,669 |
| Total Liabilities | $4,098,359 |
| Total deposits | $3,927,325 |
| Interest-bearing deposits | $2,572,804 |
| Deposits held in domestic offices | $3,927,325 |
| % insured (estimated) | $58 |
| Federal funds purchased and repurchase agreements | $1,762 |
| Trading liabilities | $0 |
| Other borrowed funds | $2,619 |
| Subordinated debt | $0 |
| All other liabilities | $166,653 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,788,388 |
| Loan and leases loss allowance | $71,597 |
| Total loans and leases (domestic) | $1,859,985 |
| All real estate loans | $1,308,871 |
| Real estate loans in domestic offices | $1,308,871 |
| Construction and development loans | $118,804 |
| Residential 1-4 family construction | $13,861 |
| Other construction, all land development and other land | $104,943 |
| Loans secured by nonfarm nonresidential properties | $647,020 |
| Nonfarm nonresidential secured by owner-occupied properties | $265,426 |
| Commercial real estate & other non-farm, non-residential | $381,594 |
| Multifamily residential real estate | $135,801 |
| 1-4 family residential loans | $217,909 |
| Farmland loans | $189,337 |
| Loans held in foreign offices | $0 |
| Farm loans | $104,168 |
| Commercial and industrial loans | $202,415 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $233,650 |
| Credit card loans | $2,230 |
| Related Plans | $326 |
| Consumer Auto Loans | $189,667 |
| Other loans to individuals | $41,427 |
| All other loans & leases | $10,881 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $654 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $11,936 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $7,564 |
| Non 1-4 family restructured loans & leases | $7,387 |
| Total loans and leases (foreign) | $0 |
Bank of Stockton had $1,788,388,000 of loans outstanding in 2021. $1,308,871,000 of loans were in real estate loans. $118,804,000 of loans were in development loans. $135,801,000 of loans were in multifamily mortgage loans. $217,909,000 of loans were in 1-4 family mortgage loans. $104,168,000 of loans were in farm loans. $2,230,000 of loans were in credit card loans. $189,667,000 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 | 398 | $131,803 | $331,163 |
| Nonfarm, nonresidential loans - <$100k | 22 | $1,388 | $63,091 |
| Nonfarm, nonresidential loans - $100-250k | 107 | $14,161 | $132,346 |
| Nonfarm, nonresidential loans - $250k-1MM | 269 | $116,254 | $432,171 |
| Commercial & Industrial, US addressed loans - <$1MM | 679 | $92,782 | $136,645 |
| Commercial & Industrial, US addressed loans - <$100k | 292 | $11,087 | $37,969 |
| Commercial & Industrial, US addressed loans - $100-250k | 188 | $21,609 | $114,941 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 199 | $60,086 | $301,940 |
| Farmland loans - <$1MM | 85 | $17,831 | $209,776 |
| Farmland loans - <$100k | 2 | $51 | $25,500 |
| Farmland loans - $100-250k | 39 | $4,820 | $123,590 |
| Farmland loans - $250k-1MM | 44 | $12,960 | $294,545 |
| Agriculture operations loans - <$1MM | 102 | $12,775 | $125,245 |
| Agriculture operations loans - <$100k | 31 | $888 | $28,645 |
| Agriculture operations loans - $100-250k | 36 | $3,868 | $107,444 |
| Agriculture operations loans - $250k-1MM | 35 | $8,019 | $229,114 |