Stockton Mortgage Corporation Rates, Fees & Info

FRANKFORT, KY

LEI: 549300QR0KFPEDZPEI42

Tax ID: 61-1392032

4.8 stars - out of 5 stars, based on 104 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Stockton Mortgage Corporation is a small mortgage company specializing in Home Purchase and Refi loans. Stockton Mortgage Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Louisville/jefferson County, Lexington, Washington, and Cincinnati among others. We have data for 202 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Stockton Mortgage Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Stockton Mortgage Corporation is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 7.84% 12/4/22
    30 Year Conventional Purchase 6.95% 12/4/22
    30 Year Conventional Refi 6.78% 12/4/22
    30 Year Cash-out Refi 7.00% 12/4/22
    30 Year FHA Purchase 7.96% 12/4/22
    30 Year FHA Refi 7.60% 12/4/22
    30 Year VA Purchase 6.85% 12/4/22
    30 Year VA Refi 6.38% 12/4/22
    30 Year USDA Purchase 7.35% 12/4/22
    30 Year USDA Refi 7.10% 12/4/22
    15 Year Conventional Purchase 6.18% 12/4/22
    15 Year Conventional Refi 6.05% 12/4/22
    15 Year Cash-out Refi 6.05% 12/4/22
    15 Year FHA Purchase 7.47% 12/4/22
    15 Year FHA Refi 7.73% 12/4/22
    15 Year VA Purchase 5.84% 12/4/22
    15 Year VA Refi 6.44% 12/4/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    10,790

    Origination Dollar Volume (All Markets)

    $2,491,660,000
    Show all (21) awards

    Relative Rate

    Stockton Mortgage Corporation's average 30 year fixed mortgage rate was 3.14%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.01%.

    Relative Fees (Closing Costs)

    Stockton Mortgage Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $4,989.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1,651 $522,325,000 $316,369 $5,031 3.00%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 966 $199,510,000 $206,532 $4,129 3.10%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 891 $185,165,000 $207,817 $3,982 3.11%
    Outside of Metro Areas 1,095 $185,085,000 $169,027 $4,479 3.13%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 402 $159,990,000 $397,985 $6,532 2.86%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 591 $126,985,000 $214,865 $4,486 3.17%
    JACKSONVILLE, FL (FHA|USDA|VA) 330 $88,960,000 $269,576 $5,913 2.99%
    KNOXVILLE, TN (FHA|USDA|VA) 319 $74,045,000 $232,116 $4,847 3.09%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 237 $69,155,000 $291,793 $5,602 3.03%
    Frankfort, KY (FHA|USDA|VA) 311 $56,585,000 $181,945 $4,066 3.12%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 219 $56,005,000 $255,731 $4,501 3.23%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 205 $55,995,000 $273,146 $5,405 3.00%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 215 $42,035,000 $195,512 $5,177 3.11%
    BOWLING GREEN, KY (FHA|USDA|VA) 220 $41,620,000 $189,182 $4,163 3.02%
    Richmond-Berea, KY (FHA|USDA|VA) 193 $36,955,000 $191,477 $4,443 3.13%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 101 $31,045,000 $307,376 $5,553 2.94%
    DALTON, GA (FHA|USDA|VA) 152 $30,010,000 $197,434 $6,172 3.23%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 129 $27,075,000 $209,884 $3,883 3.17%
    SAVANNAH, GA (FHA|USDA|VA) 100 $23,010,000 $230,100 $6,518 2.79%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 109 $22,035,000 $202,156 $4,958 3.23%
    Bardstown, KY (FHA|USDA|VA) 102 $18,500,000 $181,373 $3,851 3.02%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 110 $18,340,000 $166,727 $4,348 3.15%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 95 $17,465,000 $183,842 $4,791 3.09%
    GAINESVILLE, GA (FHA|USDA|VA) 56 $15,810,000 $282,321 $4,291 3.06%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 63 $14,265,000 $226,429 $5,205 3.12%
    KOKOMO, IN (FHA|USDA|VA) 109 $13,495,000 $123,807 $3,744 3.23%
    Cookeville, TN (FHA|USDA|VA) 69 $13,205,000 $191,377 $4,078 2.80%
    Danville, KY (FHA|USDA|VA) 74 $12,980,000 $175,405 $4,529 3.22%
    CLEVELAND, TN (FHA|USDA|VA) 59 $11,665,000 $197,712 $4,300 3.07%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 50 $10,850,000 $217,000 $4,799 3.23%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 35 $10,515,000 $300,429 $6,560 2.98%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 80 $10,430,000 $130,375 $4,306 3.26%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 39 $10,295,000 $263,974 $5,824 2.88%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 51 $9,885,000 $193,824 $5,213 3.15%
    JOHNSON CITY, TN (FHA|USDA|VA) 45 $9,615,000 $213,667 $5,148 3.28%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 28 $8,180,000 $292,143 $6,068 3.07%
    Central City, KY (FHA|USDA|VA) 52 $7,570,000 $145,577 $3,278 3.00%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 35 $6,985,000 $199,571 $4,387 3.02%
    LONGVIEW, TX (FHA|USDA|VA) 29 $6,955,000 $239,828 $6,638 3.41%
    Campbellsville, KY (FHA|USDA|VA) 49 $6,905,000 $140,918 $4,707 3.19%
    Mount Sterling, KY (FHA|USDA|VA) 36 $6,510,000 $180,833 $4,844 3.17%
    Jefferson, GA (FHA|USDA|VA) 25 $6,485,000 $259,400 $5,967 3.04%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 22 $6,080,000 $276,364 $6,111 2.95%
    Glasgow, KY (FHA|USDA|VA) 33 $5,945,000 $180,152 $4,953 3.12%
    BRUNSWICK, GA (FHA|USDA|VA) 22 $5,600,000 $254,545 $5,688 2.84%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 19 $5,325,000 $280,263 $8,725 3.30%
    Somerset, KY (FHA|USDA|VA) 33 $5,095,000 $154,394 $4,788 3.16%
    Mayfield, KY (FHA|USDA|VA) 36 $4,930,000 $136,944 $3,329 2.98%
    Sevierville, TN (FHA|USDA|VA) 20 $4,860,000 $243,000 $5,213 3.02%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 21 $4,715,000 $224,524 $2,798 2.91%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 9 $4,605,000 $511,667 $10,062 3.38%
    Cornelia, GA (FHA|USDA|VA) 28 $4,510,000 $161,071 $5,476 3.29%
    JACKSON, TN (FHA|USDA|VA) 27 $4,435,000 $164,259 $6,424 3.09%
    Statesboro, GA (FHA|USDA|VA) 19 $4,185,000 $220,263 $5,222 3.07%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 11 $4,185,000 $380,455 $7,801 3.06%
    WARNER ROBINS, GA (FHA|USDA|VA) 19 $4,135,000 $217,632 $6,039 3.22%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 17 $4,065,000 $239,118 $5,698 3.12%
    HATTIESBURG, MS (FHA|USDA|VA) 19 $4,055,000 $213,421 $6,437 3.23%
    MORRISTOWN, TN (FHA|USDA|VA) 21 $3,475,000 $165,476 $5,546 3.05%
    Murray, KY (FHA|USDA|VA) 17 $3,395,000 $199,706 $3,817 2.95%
    Calhoun, GA (FHA|USDA|VA) 20 $3,370,000 $168,500 $6,140 3.32%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 17 $3,335,000 $196,176 $6,014 3.14%
    Holland, MI (FHA|USDA|VA) 16 $3,040,000 $190,000 $4,891 3.24%
    GADSDEN, AL (FHA|USDA|VA) 17 $2,915,000 $171,471 $3,132 3.11%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 13 $2,885,000 $221,923 $33,987 3.25%
    Greeneville, TN (FHA|USDA|VA) 18 $2,820,000 $156,667 $4,607 3.08%
    VALDOSTA, GA (FHA|USDA|VA) 13 $2,665,000 $205,000 $6,990 3.24%
    Madisonville, KY (FHA|USDA|VA) 19 $2,615,000 $137,632 $4,525 3.14%
    Paducah, KY-IL (FHA|USDA|VA) 16 $2,600,000 $162,500 $3,688 3.20%
    Cullman, AL (FHA|USDA|VA) 13 $2,555,000 $196,538 $5,641 3.24%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 11 $2,405,000 $218,636 $4,262 3.18%
    Tupelo, MS (FHA|USDA|VA) 13 $2,405,000 $185,000 $6,286 2.89%
    OWENSBORO, KY (FHA|USDA|VA) 10 $2,240,000 $224,000 $3,517 3.21%
    OCALA, FL (FHA|USDA|VA) 11 $2,105,000 $191,364 $5,420 3.03%
    Martin, TN (FHA|USDA|VA) 11 $1,905,000 $173,182 $6,641 3.23%
    GAINESVILLE, FL (FHA|USDA|VA) 10 $1,890,000 $189,000 $5,708 3.21%
    Athens, TN (FHA|USDA|VA) 10 $1,880,000 $188,000 $4,604 2.95%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $1,830,000 $305,000 $7,657 3.06%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $1,795,000 $598,333 $8,183 2.83%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 13 $1,785,000 $137,308 $4,154 3.09%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 8 $1,720,000 $215,000 $4,934 3.28%
    Milledgeville, GA (FHA|USDA|VA) 9 $1,695,000 $188,333 $4,492 3.43%
    COLUMBUS, OH (FHA|USDA|VA) 6 $1,680,000 $280,000 $4,466 3.31%
    BATTLE CREEK, MI (FHA|USDA|VA) 13 $1,635,000 $125,769 $4,080 3.14%
    London, KY (FHA|USDA|VA) 10 $1,630,000 $163,000 $4,802 3.44%
    THE VILLAGES, FL (FHA|USDA|VA) 5 $1,565,000 $313,000 $7,699 3.35%
    ROME, GA (FHA|USDA|VA) 7 $1,565,000 $223,571 $5,504 3.30%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $1,525,000 $305,000 $4,861 3.45%
    RICHMOND, VA (FHA|USDA|VA) 6 $1,510,000 $251,667 $4,693 3.17%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $1,495,000 $213,571 $3,351 3.05%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $1,475,000 $295,000 $8,382 3.37%
    Maysville, KY (FHA|USDA|VA) 8 $1,410,000 $176,250 $4,012 2.95%
    McMinnville, TN (FHA|USDA|VA) 8 $1,400,000 $175,000 $4,897 3.14%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $1,375,000 $196,429 $5,292 2.93%
    PANAMA CITY, FL (FHA|USDA|VA) 5 $1,375,000 $275,000 $7,201 3.08%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 5 $1,355,000 $271,000 $6,069 3.25%
    Crossville, TN (FHA|USDA|VA) 9 $1,335,000 $148,333 $4,756 3.00%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 8 $1,320,000 $165,000 $3,859 3.05%
    Dayton, TN (FHA|USDA|VA) 7 $1,315,000 $187,857 $3,839 2.88%
    Corinth, MS (FHA|USDA|VA) 8 $1,310,000 $163,750 $6,097 3.09%
    St. Marys, GA (FHA|USDA|VA) 5 $1,275,000 $255,000 $4,916 2.65%
    SANTA FE, NM (FHA|USDA|VA) 3 $1,255,000 $418,333 $10,627 3.33%
    Point Pleasant, WV-OH (FHA|USDA|VA) 12 $1,220,000 $101,667 $4,350 3.39%
    MUSKEGON, MI (FHA|USDA|VA) 7 $1,145,000 $163,571 $3,868 3.27%
    Peru, IN (FHA|USDA|VA) 8 $1,120,000 $140,000 $3,720 3.06%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 5 $1,085,000 $217,000 $5,804 3.03%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 7 $1,075,000 $153,571 $3,944 3.50%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,070,000 $178,333 $3,987 3.60%
    Shelbyville, TN (FHA|USDA|VA) 5 $1,055,000 $211,000 $4,275 2.90%
    Toccoa, GA (FHA|USDA|VA) 5 $1,015,000 $203,000 $5,335 3.23%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 4 $1,010,000 $252,500 $6,005 2.63%
    Key West, FL (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $12,978 3.25%
    MONROE, MI (FHA|USDA|VA) 4 $970,000 $242,500 $3,637 3.13%
    SALISBURY, MD-DE (FHA|USDA|VA) 4 $900,000 $225,000 $5,448 3.19%
    HUNTSVILLE, AL (FHA|USDA|VA) 4 $900,000 $225,000 $6,372 3.03%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $870,000 $217,500 $6,888 2.91%
    Lake City, FL (FHA|USDA|VA) 3 $865,000 $288,333 $5,537 3.12%
    LaGrange, GA-AL (FHA|USDA|VA) 4 $790,000 $197,500 $6,255 3.00%
    Lewisburg, TN (FHA|USDA|VA) 4 $790,000 $197,500 $6,265 3.06%
    Marion, IN (FHA|USDA|VA) 8 $780,000 $97,500 $3,800 3.31%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $775,000 $258,333 $3,566 3.21%
    WINCHESTER, VA-WV (FHA|USDA|VA) 4 $760,000 $190,000 $4,554 3.50%
    Palatka, FL (FHA|USDA|VA) 5 $725,000 $145,000 $4,102 3.53%
    TALLAHASSEE, FL (FHA|USDA|VA) 3 $705,000 $235,000 $3,566 2.92%
    Alexander City, AL (FHA|USDA|VA) 5 $695,000 $139,000 $4,470 3.05%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $675,000 $225,000 $4,010 2.96%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $665,000 $221,667 $4,245 3.04%
    COLUMBUS, GA-AL (FHA|USDA|VA) 4 $660,000 $165,000 $3,963 3.03%
    Wilmington, OH (FHA|USDA|VA) 4 $620,000 $155,000 $3,071 3.34%
    Logansport, IN (FHA|USDA|VA) 5 $615,000 $123,000 $2,571 3.18%
    ANN ARBOR, MI (FHA|USDA|VA) 2 $600,000 $300,000 $4,299 3.38%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 4 $600,000 $150,000 $5,836 3.19%
    SPRINGFIELD, OH (FHA|USDA|VA) 4 $580,000 $145,000 $5,722 3.59%
    AKRON, OH (FHA|USDA|VA) 4 $580,000 $145,000 $6,579 2.94%
    SAGINAW, MI (FHA|USDA|VA) 3 $575,000 $191,667 $2,750 3.21%
    Laurel, MS (FHA|USDA|VA) 4 $540,000 $135,000 $4,792 2.97%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $540,000 $270,000 $6,385 3.00%
    Frankfort, IN (FHA|USDA|VA) 3 $535,000 $178,333 $2,705 2.88%
    Paris, TN (FHA|USDA|VA) 4 $530,000 $132,500 $5,681 2.72%
    Newport, TN (FHA|USDA|VA) 2 $500,000 $250,000 $4,281 3.44%
    Cedartown, GA (FHA|USDA|VA) 2 $480,000 $240,000 $10,733 3.25%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $450,000 $225,000 $5,925 2.81%
    Lawrenceburg, TN (FHA|USDA|VA) 2 $450,000 $225,000 $5,658 3.19%
    RALEIGH-CARY, NC (FHA|USDA|VA) 2 $450,000 $225,000 $5,372 3.25%
    Atmore, AL (FHA|USDA|VA) 3 $435,000 $145,000 $4,181 2.79%
    Scottsburg, IN (FHA|USDA|VA) 3 $435,000 $145,000 $2,412 3.42%
    Brevard, NC (FHA|USDA|VA) 1 $425,000 $425,000 $7,499 3.00%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $400,000 $200,000 $3,010 2.50%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $400,000 $200,000 $5,462 3.13%
    WILMINGTON, NC (FHA|USDA|VA) 2 $400,000 $200,000 $3,266 3.50%
    Boone, NC (FHA|USDA|VA) 1 $395,000 $395,000 $8,844 3.50%
    Big Rapids, MI (FHA|USDA|VA) 2 $390,000 $195,000 $4,532 3.50%
    Alma, MI (FHA|USDA|VA) 2 $380,000 $190,000 $3,354 3.31%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $365,000 $365,000 $16,882 2.63%
    TOLEDO, OH (FHA|USDA|VA) 3 $365,000 $121,667 $2,951 3.00%
    Portsmouth, OH (FHA|USDA|VA) 3 $355,000 $118,333 $5,872 3.13%
    Cadillac, MI (FHA|USDA|VA) 2 $350,000 $175,000 $6,672 3.19%
    JACKSON, MI (FHA|USDA|VA) 1 $335,000 $335,000 $9,975 3.25%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $325,000 $325,000 $4,920 2.50%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $325,000 $325,000 $7,368 4.13%
    BAY CITY, MI (FHA|USDA|VA) 1 $315,000 $315,000 $8,990 3.75%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $310,000 $155,000 $6,099 2.69%
    Vidalia, GA (FHA|USDA|VA) 2 $300,000 $150,000 $6,931 2.88%
    Tifton, GA (FHA|USDA|VA) 2 $300,000 $150,000 $3,974 2.69%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $275,000 $275,000 $8,252 2.75%
    Coldwater, MI (FHA|USDA|VA) 2 $270,000 $135,000 $4,994 3.56%
    Clarksburg, WV (FHA|USDA|VA) 1 $265,000 $265,000 $13,095 3.13%
    FLINT, MI (FHA|USDA|VA) 2 $260,000 $130,000 $3,494 3.31%
    FORT WAYNE, IN (FHA|USDA|VA) 2 $260,000 $130,000 $4,645 3.25%
    Albertville, AL (FHA|USDA|VA) 1 $255,000 $255,000 $2,693 2.75%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $245,000 $245,000 $795 3.00%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $245,000 $245,000 $3,000 2.75%
    Starkville, MS (FHA|USDA|VA) 1 $225,000 $225,000 $3,855 3.38%
    Traverse City, MI (FHA|USDA|VA) 1 $225,000 $225,000 $3,769 3.50%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $225,000 $225,000 $4,797 3.50%
    Union City, TN (FHA|USDA|VA) 1 $225,000 $225,000 $7,932 3.00%
    Dyersburg, TN (FHA|USDA|VA) 2 $210,000 $105,000 $4,579 2.69%
    Dublin, GA (FHA|USDA|VA) 1 $205,000 $205,000 $6,659 2.38%
    Bluefield, WV-VA (FHA|USDA|VA) 2 $200,000 $100,000 $2,704 2.69%
    CHARLESTON, WV (FHA|USDA|VA) 2 $200,000 $100,000 $4,731 3.25%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $195,000 $195,000 $5,622 2.75%
    Fort Payne, AL (FHA|USDA|VA) 1 $195,000 $195,000 $3,252 3.25%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $195,000 $195,000 $6,678 3.00%
    JACKSON, MS (FHA|USDA|VA) 2 $190,000 $95,000 $2,838 2.93%
    HINESVILLE, GA (FHA|USDA|VA) 1 $185,000 $185,000 $7,295 2.88%
    Mount Pleasant, MI (FHA|USDA|VA) 1 $175,000 $175,000 $5,024 3.25%
    MUNCIE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,424 3.25%
    Easton, MD (FHA|USDA|VA) 1 $175,000 $175,000 $3,368 2.50%
    Lufkin, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,566 3.13%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $165,000 $165,000 $5,571 2.88%
    ALBANY, GA (FHA|USDA|VA) 1 $155,000 $155,000 $3,068 3.13%
    Seymour, IN (FHA|USDA|VA) 1 $145,000 $145,000 $5,402 3.63%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $135,000 $135,000 $2,242 2.63%
    NILES, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,834 2.88%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $135,000 $135,000 $3,822 2.63%
    Cordele, GA (FHA|USDA|VA) 1 $125,000 $125,000 $6,870 2.88%
    Columbus, MS (FHA|USDA|VA) 1 $125,000 $125,000 $4,135 2.88%
    Waycross, GA (FHA|USDA|VA) 1 $115,000 $115,000 $2,331 2.88%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $115,000 $115,000 $2,850 3.88%
    Middlesborough, KY (FHA|USDA|VA) 1 $105,000 $105,000 $3,266 3.25%
    Wabash, IN (FHA|USDA|VA) 1 $75,000 $75,000 $3,469 2.63%
    Sturgis, MI (FHA|USDA|VA) 1 $65,000 $65,000 $2,413 2.75%
    Stockton Mortgage Corporation's top markets include Atlanta, Louisville/jefferson County, Lexington, Washington, and Cincinnati among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,709 $1,875,915,000 $243,341 $4,049 3.06%
    FHA 1,808 $347,890,000 $192,417 $7,285 3.23%
    USDA 682 $108,830,000 $159,575 $5,277 3.11%
    VA 590 $158,840,000 $269,220 $6,963 2.94%
    HELOC 1 $185,000 $185,000 n/a 4.25%

    For 2021, Stockton Mortgage Corporation's most frequently originated type of loan was Conventional, with 7,709 originations. Their 2nd most popular type was FHA, with 1,808 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 6,433 $1,500,045,000 $233,180 $5,310 3.15%
    Refi 2,786 $650,350,000 $233,435 $4,009 2.87%
    Cash Out Refi 1,571 $341,265,000 $217,228 $4,313 3.17%

    For 2021, Stockton Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 6,433 originations. The 2nd most popular reason was Refi, with 2,786 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 9,594 $2,241,920,000 $233,679 $4,989 3.14%
    15 Year 839 $178,515,000 $212,771 $3,603 2.54%
    20 Year 177 $34,075,000 $192,514 $3,546 2.97%
    Other 121 $27,775,000 $229,545 $3,785 2.98%
    10 Year 47 $6,435,000 $136,915 $2,797 2.42%
    30+ year 12 $2,940,000 $245,000 $0 0.54%

    For 2021, Stockton Mortgage Corporation's most frequently cited loan duration was 30 Year, with 9,594 originations. The 2nd most popular length was 15 Year, with 839 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 6,203 $1,272,875,000 $205,203
    $<1k 1,636 $433,480,000 $264,963
    $2k-3k 1,437 $314,025,000 $218,528
    $5k+ 616 $248,160,000 $402,857
    $3k-4k 586 $139,800,000 $238,567
    $4k-5k 308 $82,470,000 $267,760

    Stockton Mortgage Corporation's average total fees were $4,989, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 6,203 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 5,204 $1,122,630,000 $215,724
    2.5-3% 4,209 $1,052,005,000 $249,942
    <2.5% 1,081 $262,455,000 $242,789
    4-5% 289 $52,075,000 $180,190
    5-6% 6 $2,320,000 $386,667
    6-7% 1 $175,000 $175,000

    During 2021, Stockton Mortgage Corporation's average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 3-4%, with 5,204 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 4,539 $692,795,000 $152,632 $4,160 3.13%
    $200k-400k 4,441 $1,219,935,000 $274,698 $5,326 3.05%
    $400k-600k 879 $420,145,000 $477,981 $6,273 2.93%
    $100,000 or less 809 $63,495,000 $78,486 $3,353 3.19%
    $600k-1MM 111 $79,885,000 $719,685 $10,138 3.04%
    $1MM+ 11 $15,405,000 $1,400,455 $19,056 3.23%

    2021 saw Stockton Mortgage Corporation place emphasis on $100k-200k loans with 4,539 originations, totaling $692,795,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,920 $580,480,000 $198,795 $4,786 3.12%
    $50k or less 2,531 $364,635,000 $144,068 $4,394 3.13%
    $75k-100k 1,951 $467,135,000 $239,434 $5,158 3.09%
    $100k-150k 1,881 $539,675,000 $286,909 $4,891 3.04%
    $150k-250k 1,001 $352,215,000 $351,863 $5,091 3.02%
    $250k+ 364 $155,860,000 $428,187 $5,651 3.00%

    Stockton Mortgage Corporation lent most frequently to those with incomes in the $50k-75k range, with 2,920 originations. The second most popular income band? $50k or less, with 2,531 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,443 $547,745,000 $224,210 $4,293 3.03%
    30-36% 2,054 $466,520,000 $227,128 $4,623 3.11%
    <20% 862 $187,950,000 $218,039 $3,692 2.93%
    40% 431 $99,085,000 $229,896 $4,737 3.10%
    44% 415 $96,475,000 $232,470 $5,023 3.17%
    43% 414 $99,620,000 $240,628 $6,055 3.12%
    37% 396 $91,030,000 $229,874 $4,750 3.10%
    38% 392 $91,430,000 $233,240 $4,851 3.15%
    42% 382 $93,500,000 $244,764 $5,155 3.18%
    39% 379 $91,405,000 $241,174 $5,115 3.14%
    50-60% 378 $87,390,000 $231,190 $7,945 3.20%
    36% 374 $86,610,000 $231,578 $4,889 3.14%
    41% 353 $84,485,000 $239,334 $5,010 3.17%
    49% 297 $74,615,000 $251,229 $5,371 3.09%
    45% 293 $71,025,000 $242,406 $5,211 3.11%
    48% 279 $69,255,000 $248,226 $5,534 3.11%
    46% 259 $63,445,000 $244,961 $5,469 3.14%
    47% 248 $58,310,000 $235,121 $5,366 3.10%
    >60% 4 $880,000 $220,000 $6,282 3.16%

    Stockton Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 2,443 originations. The next most common DTI ratio? 30-36%, with 2,054 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,789 $1,988,435,000 $226,241 $4,708 3.08%
    Not provided 812 $193,970,000 $238,879 $4,855 3.07%
    Black 756 $175,080,000 $231,587 $6,072 3.14%
    Asian 393 $125,015,000 $318,104 $5,091 2.98%
    American Indian 33 $7,425,000 $225,000 $4,908 3.15%
    Native Hawaiian or Islander 7 $1,735,000 $247,857 $4,722 2.96%

    Approval Rates

    Total approvals of all applications
    92.58%

    Stockton Mortgage Corporation has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.01%

    Stockton Mortgage Corporation has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 10,790 $2,491,660,000 $230,923

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    10,790 $2,491,660,000 $230,923

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 243 $39,405,000 $162,160 $3,235 2.80%
    40-60% 1,013 $220,255,000 $217,428 $3,632 2.84%
    60-80% 3,655 $880,355,000 $240,863 $4,138 3.09%
    80-100% 5,715 $1,307,425,000 $228,771 $5,389 3.14%
    Over 100% 142 $40,580,000 $285,775 $11,513 2.96%
    Under 20% 11 $1,135,000 $103,182 $2,897 2.81%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Stockton Mortgage Corporation FHA mortgage Trouble during payment process 1 14.3%
    Stockton Mortgage Corporation Conventional home mortgage Trouble during payment process 6 85.7%