Stockton Mortgage Corporation Rates, Fees & Info
FRANKFORT, KYLEI: 549300QR0KFPEDZPEI42
Tax ID: 61-1392032
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Mortgage Data
Review & Overview
Stockton Mortgage Corporation is a smaller mortgage company specializing in Home Purchase loans. Stockton Mortgage Corporation has a high proportion of conventional loans. They have a a high proportion of FHA loans. Their top markets by origination volume include: Louisville, Lexington, Cincinnati, Frankfort, and Bowling Green among others. We have data for 105 markets. (Some data included below & more in-depth data is available with an active subscription.)Stockton Mortgage Corporation 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. 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.86% | 4/22/24 |
| 30 Year Conventional Refi | 6.62% | 4/22/24 |
| 30 Year Cash-out Refi | 6.86% | 4/22/24 |
| 30 Year FHA Purchase | 7.55% | 4/22/24 |
| 30 Year FHA Refi | 7.28% | 4/22/24 |
| 30 Year VA Purchase | 6.42% | 4/22/24 |
| 30 Year VA Refi | 6.00% | 4/22/24 |
| 30 Year USDA Purchase | 7.03% | 4/22/24 |
| 30 Year USDA Refi | 6.70% | 4/22/24 |
| 15 Year Conventional Purchase | 6.25% | 4/22/24 |
| 15 Year Conventional Refi | 6.37% | 4/22/24 |
| 15 Year Cash-out Refi | 6.37% | 4/22/24 |
| 15 Year FHA Purchase | 7.03% | 4/22/24 |
| 15 Year FHA Refi | 7.52% | 4/22/24 |
| 15 Year VA Purchase | 5.72% | 4/22/24 |
| 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. | ||
Stockton Mortgage Corporation Mortgage Calculator
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This is not an official calculator from Stockton Mortgage Corporation. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,080Origination Dollar Volume (All Markets)
$430,590,000Awards
STOCKTON MORTGAGE CORPORATION - 2018
STOCKTON MORTGAGE CORPORATION is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| LOUISVILLE, KY (FHA|USDA|VA) | 456 | $61,880,000 | $135,702 | $3,840 | 4.90% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 361 | $56,535,000 | $156,607 | $4,079 | 4.90% |
| Outside of Metro Areas | 436 | $49,880,000 | $114,404 | $4,264 | 4.87% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 249 | $37,375,000 | $150,100 | $4,490 | 4.81% |
| Frankfort, KY (FHA|USDA|VA) | 253 | $27,715,000 | $109,545 | $3,594 | 4.92% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 184 | $24,450,000 | $132,880 | $3,946 | 4.85% |
| KNOXVILLE, TN (FHA|USDA|VA) | 116 | $19,950,000 | $171,983 | $4,828 | 4.74% |
| DALTON, GA (FHA|USDA|VA) | 89 | $13,965,000 | $156,910 | $5,558 | 4.73% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 57 | $13,355,000 | $234,298 | $5,035 | 4.85% |
| Richmond-Berea, KY (FHA|USDA|VA) | 75 | $11,395,000 | $151,933 | $4,633 | 4.74% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 38 | $8,710,000 | $229,211 | $5,637 | 4.67% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 56 | $7,800,000 | $139,286 | $3,961 | 4.71% |
| Bardstown, KY (FHA|USDA|VA) | 47 | $6,775,000 | $144,149 | $3,776 | 4.71% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 70 | $6,470,000 | $92,429 | $3,581 | 5.02% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 35 | $6,035,000 | $172,429 | $5,637 | 4.83% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 33 | $5,905,000 | $178,939 | $4,848 | 4.92% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 30 | $5,650,000 | $188,333 | $5,273 | 4.95% |
| Danville, KY (FHA|USDA|VA) | 33 | $4,535,000 | $137,424 | $3,938 | 4.84% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 28 | $3,340,000 | $119,286 | $3,512 | 4.89% |
| Somerset, KY (FHA|USDA|VA) | 32 | $3,210,000 | $100,313 | $4,566 | 4.86% |
| OWENSBORO, KY (FHA|USDA|VA) | 28 | $3,110,000 | $111,071 | $4,285 | 4.66% |
| Glasgow, KY (FHA|USDA|VA) | 28 | $2,900,000 | $103,571 | $3,634 | 4.70% |
| Cullman, AL (FHA|USDA|VA) | 13 | $2,595,000 | $199,615 | $5,616 | 4.70% |
| Campbellsville, KY (FHA|USDA|VA) | 27 | $2,545,000 | $94,259 | $3,920 | 5.01% |
| Jefferson, GA (FHA|USDA|VA) | 10 | $2,370,000 | $237,000 | $6,676 | 4.70% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 15 | $2,195,000 | $146,333 | $5,048 | 5.06% |
| Central City, KY (FHA|USDA|VA) | 20 | $2,190,000 | $109,500 | $3,624 | 4.56% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 16 | $2,190,000 | $136,875 | $5,569 | 4.90% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 10 | $1,820,000 | $182,000 | $6,198 | 4.70% |
| Mayfield, KY (FHA|USDA|VA) | 15 | $1,785,000 | $119,000 | $3,320 | 4.42% |
| Mount Sterling, KY (FHA|USDA|VA) | 13 | $1,695,000 | $130,385 | $4,410 | 4.91% |
| Madisonville, KY (FHA|USDA|VA) | 17 | $1,535,000 | $90,294 | $3,714 | 4.79% |
| Sevierville, TN (FHA|USDA|VA) | 8 | $1,400,000 | $175,000 | $5,024 | 4.73% |
| Murray, KY (FHA|USDA|VA) | 12 | $1,300,000 | $108,333 | $4,858 | 4.49% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $1,195,000 | $170,714 | $5,387 | 5.41% |
| GAINESVILLE, FL (FHA|USDA|VA) | 12 | $1,170,000 | $97,500 | $4,270 | 5.11% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 8 | $1,100,000 | $137,500 | $4,138 | 4.92% |
| Frankfort, IN (FHA|USDA|VA) | 7 | $995,000 | $142,143 | $3,994 | 5.02% |
| GAINESVILLE, GA (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $5,599 | 4.73% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $4,931 | 5.10% |
| JACKSON, TN (FHA|USDA|VA) | 9 | $825,000 | $91,667 | $4,273 | 5.01% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $6,352 | 5.13% |
| LaGrange, GA-AL (FHA|USDA|VA) | 6 | $800,000 | $133,333 | $5,312 | 5.13% |
| Maysville, KY (FHA|USDA|VA) | 6 | $790,000 | $131,667 | $5,579 | 5.02% |
| Calhoun, GA (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $9,083 | 5.29% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 6 | $660,000 | $110,000 | $3,377 | 5.50% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $2,148 | 4.69% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $5,539 | 4.97% |
| Alexander City, AL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $4,301 | 5.21% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,864 | 4.44% |
| London, KY (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $4,689 | 4.44% |
| MONTGOMERY, AL (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $6,335 | 5.38% |
| Paducah, KY-IL (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $3,512 | 4.63% |
| Dayton, TN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,180 | 4.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,763 | 4.69% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,444 | 4.88% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $5,770 | 5.33% |
| Scottsburg, IN (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $4,382 | 4.67% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,871 | 5.00% |
| Tupelo, MS (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $5,856 | 5.08% |
| Dublin, GA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,579 | 4.81% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,413 | 4.63% |
| Palatka, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,784 | 5.56% |
| Shelbyville, TN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,691 | 5.13% |
| Madison, IN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,831 | 5.19% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,837 | 4.25% |
| Findlay, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,728 | 4.63% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $3,595 | 5.25% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,274 | 6.50% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,208 | 4.63% |
| Holland, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,229 | 5.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,655 | 5.25% |
| Athens, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,549 | 5.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,483 | 4.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,621 | 4.50% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,307 | 4.50% |
| Jesup, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,502 | 5.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,680 | 5.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,419 | 4.88% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,849 | 4.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,596 | 5.13% |
| Martin, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,855 | 4.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,457 | 5.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,950 | 4.63% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,109 | 5.13% |
| KOKOMO, IN (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $3,503 | 5.00% |
| Bluefield, WV-VA (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $4,202 | 4.75% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $10,080 | 5.75% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,943 | 5.13% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,535 | 4.88% |
| Paris, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,084 | 4.88% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,078 | 5.50% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,985 | 4.50% |
| Athens, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,054 | 4.88% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $9,111 | 5.50% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,519 | 5.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,883 | 4.88% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,746 | 5.25% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,255 | 5.38% |
| ROME, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,337 | 4.75% |
| New Castle, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,080 | 5.50% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $7,485 | 5.63% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,149 | 5.25% |
| Crossville, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,914 | 4.88% |
| Logansport, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,384 | 5.50% |
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Product Mix
For 2018, Stockton Mortgage Corporation's most frequently originated type of loan was Conventional, with 1,335 originations. Their 2nd most popular type was FHA, with 1,040 originations.
Loan Reason
For 2018, Stockton Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 2,788 originations. The 2nd most popular reason was Cash Out Refi, with 158 originations.
Loan Duration/Length
For 2018, Stockton Mortgage Corporation's most frequently cited loan duration was 30 Year, with 2,675 originations. The 2nd most popular length was 10 Year, with 296 originations.
Origination Fees/Closing Costs
Stockton Mortgage Corporation's average total fees were $4,767, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,903 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 1,737 | $276,025,000 | $158,909 |
| 5-6% | 1,103 | $128,585,000 | $116,578 |
| 3-4% | 131 | $22,235,000 | $169,733 |
| <2.5% | 46 | $230,000 | $5,000 |
| 6-7% | 17 | $2,825,000 | $166,176 |
During 2018, Stockton Mortgage Corporation's average interest rate for loans was 4.89%, while their most frequently originated rate bucket for loans was 4-5%, with 1,737 originations.
Loan Sizing
2018 saw Stockton Mortgage Corporation place emphasis on $100k-200k loans with 1,632 originations, totaling $234,380,000 in origination value.
Applicant Income
Stockton Mortgage Corporation lent most frequently to those with incomes in the $50k or less range, with 1,374 originations. The second most popular income band? $50k-75k, with 976 originations.
Applicant Debt to Income Ratio
Stockton Mortgage Corporation lent most frequently to those with DTI ratios of 30-36%, with 591 originations. The next most common DTI ratio? 20-30%, with 528 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.89%
Stockton Mortgage Corporation has an average approval rate.
Pick Rate
Approvals leading to origination85.55%
Stockton Mortgage Corporation has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,080 | $430,590,000 | $139,802 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 206 | $17,260,000 | $83,786 |
| Single Family (1-4 Units):Site-Built | 2,874 | $413,330,000 | $143,817 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Southwest Business Corporation | FHA mortgage | Incorrect information on your report | 1 | 5.3% |
| Southwest Business Corporation | FHA mortgage | Struggling to pay mortgage | 2 | 10.5% |
| Southwest Business Corporation | VA mortgage | Trouble during payment process | 2 | 10.5% |
| Southwest Business Corporation | VA mortgage | Struggling to pay mortgage | 3 | 15.8% |
| Southwest Business Corporation | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 5.3% |
| Southwest Business Corporation | Other type of mortgage | Trouble during payment process | 1 | 5.3% |
| Southwest Business Corporation | Other type of mortgage | Struggling to pay mortgage | 1 | 5.3% |
| Southwest Business Corporation | FHA mortgage | Trouble during payment process | 2 | 10.5% |
| Southwest Business Corporation | Conventional home mortgage | Incorrect information on your report | 1 | 5.3% |
| Southwest Business Corporation | Conventional home mortgage | Struggling to pay mortgage | 2 | 10.5% |
| Southwest Business Corporation | Conventional home mortgage | Trouble during payment process | 3 | 15.8% |