Stockton FHA Loans

STOCKTON, CA

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

Stockton's 174 lenders originated 3,884 FHA loans during 2021. The total origination value was $1,349,780,000, with an average FHA loan value of $347,523.

Stockton FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Stockton averaged 5.19% for the week of 2022-05-20, compared to the national average (all FHA variants) of 5.352% for the same period.

The average rate for the prior week (2022-05-13) was 5.39% and one month ago for the week of 2022-04-15, the average rate was 4.78%.

The average rate one year ago was 2.96%.

For refis of the same type during the week of 2022-05-20, the average rate was 5.15%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Stockton FHA Loan Lenders by Rates & Fees

The below table looks at the average fees and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Stockton level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
UNITED WHOLESALE MORTGAGE, LLC 254 2.65% $10,883
QUICKEN LOANS, LLC 221 2.65% $9,072
FREEDOM MORTGAGE CORPORATION 180 2.71% $7,176
SUMMIT FUNDING, INC. 163 3.21% $14,094
FINANCE OF AMERICA MORTGAGE LLC 154 2.90% $12,570
CALIBER HOME LOANS, INC. 144 2.90% $10,838
LOANDEPOT.COM, LLC 124 3.17% $12,637
AMERICAN PACIFIC MORTGAGE CORPORATION 100 3.09% $12,047
HOME POINT FINANCIAL CORPORATION 87 2.74% $10,737
LAKEVIEW LOAN SERVICING, LLC 65 2.81% $5,992
PENNYMAC LOAN SERVICES, LLC 57 2.98% $7,345
Mr. Cooper ( Nationstar Mortgage ) 56 2.98% $7,524
Lakeview Community Capital, LLC 55 2.84% $6,232
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 54 3.21% $13,733
Carrington Mortgage Services, LLC 51 3.13% $10,841
MOVEMENT MORTGAGE, LLC 49 3.19% $11,610
BROKER SOLUTIONS, INC. 48 3.14% $11,593
Paramount Residential Mortgage Group, Inc. 47 3.15% $12,216
Equity Prime Mortgage LLC 46 3.17% $11,495
PRIMARY RESIDENTIAL MORTGAGE, INC. 44 3.28% $15,250
STEARNS LENDING, LLC 42 3.10% $14,455
HOMEBRIDGE FINANCIAL SERVICES, INC. 42 2.80% $10,597
AMERICAN FINANCIAL NETWORK, INC. 41 3.09% $15,070
Commerce Home Mortgage, Inc. 39 3.02% $12,270
NEWREZ LLC 39 2.81% $8,282
VILLAGE CAPITAL & INVESTMENT LLC 38 2.68% $4,111
SCENIC OAKS FUNDING, INC. 38 2.86% $11,304
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 38 3.59% $13,907
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 36 2.98% $13,636
CROSSCOUNTRY MORTGAGE, LLC 31 3.09% $13,173
Golden Empire Mortgage, Inc. 30 3.09% $13,330
ALAMEDA MORTGAGE CORPORATION 29 3.23% $11,804
SUN WEST MORTGAGE COMPANY, INC. 29 2.96% $10,649
GUARANTEED RATE, INC. 28 3.04% $12,884
Sierra Pacific Mortgage Company, Inc. 26 3.24% $12,546
HOMEOWNERS FINANCIAL GROUP USA, LLC 24 3.32% $14,221
MOUNTAIN WEST FINANCIAL, INC. 23 3.34% $15,550
CALCON MUTUAL MORTGAGE LLC 23 3.42% $13,637
GUILD MORTGAGE COMPANY 23 3.08% $13,781
CMG MORTGAGE, INC. 22 3.19% $14,945
Hometown Equity Mortgage, LLC 22 3.47% $14,923
KBHS HOME LOANS, LLC 21 3.20% $16,922
MASON MCDUFFIE MORTGAGE CORPORATION 20 3.16% $13,262
ROUNDPOINT MORTGAGE SERVICING CORPORATION 18 3.54% $15,136
DIGNIFIED HOME LOANS, LLC 16 2.91% $9,921
HOMEAMERICAN MORTGAGE CORPORATION 16 2.69% $8,527
PLANET HOME LENDING, LLC 15 2.77% $9,869
Amerifirst Financial, Inc. 15 3.07% $12,287
NATIONS DIRECT MORTGAGE, LLC 14 2.96% $13,031
SNAPFI, INC. 14 3.23% $9,846
DHI MORTGAGE COMPANY, LTD. 13 2.77% $12,788
ACADEMY MORTGAGE CORPORATION 12 3.21% $10,977
AMERISAVE MORTGAGE CORPORATION 12 2.82% $11,569
S1L, Inc. 12 3.08% $11,953
First Guaranty Mortgage Corporation 12 2.78% $7,765
Platinum Home Mortgage Corporation 11 3.16% $14,842
BAY EQUITY LLC 11 3.11% $11,956
LAND HOME FINANCIAL SERVICES, INC. 10 3.21% $13,748
InterContinental Capital Group, Inc 10 2.60% $7,954
LOANPAL, LLC 9 2.56% $11,955
FBC MORTGAGE, LLC 9 2.94% $10,861
INSPIRE HOME LOANS INC. 9 3.35% $13,483
BEST CAPITAL FUNDING 9 2.81% $13,472
ARK-LA-TEX FINANCIAL SERVICES, LLC. 9 2.75% $11,249
GoPrime Mortgage, Inc. 9 3.17% $12,484
OCMBC, INC. 8 3.20% $9,623
MORIA DEVELOPMENT, INC. 7 3.46% $11,928
PLAZA HOME MORTGAGE, INC. 7 2.87% $11,114
Flagstar Bank, FSB 6 3.04% $11,375
Nations Lending Corporation 6 3.29% $12,930
PREMIER LENDING, INC. 6 2.92% $10,950
SECURITYNATIONAL MORTGAGE COMPANY 6 3.13% $13,244
BECKAM FUNDING CORP. 5 3.63% $19,593
AmeriHome Mortgage Company, LLC 5 3.00% $5,128
Bank of America 5 2.88% $8,381
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 5 2.85% $10,698
MUTUAL OF OMAHA MORTGAGE, INC. 5 2.65% $7,973
United Fidelity Funding Corp. 5 2.80% $9,862
EVERETT FINANCIAL, INC. 4 3.47% $9,456
LENDUS, LLC 4 2.53% $11,263
DIRECT MORTGAGE, CORP. 4 2.66% $14,124
EMBRACE HOME LOANS, INC. 4 2.65% $13,484
CELEBRITY HOME LOANS, LLC 4 2.72% $9,900
Plains Commerce Bank 4 2.81% $11,517
Loan Simple, Inc. 4 2.90% $9,170
Barrington Bank & Trust Company, N.A. 4 3.03% $10,349
CANOPY MORTGAGE, LLC 3 2.67% $13,183
PREMIER MORTGAGE RESOURCES, L.L.C. 3 3.04% $13,312
AMCAP MORTGAGE, LTD. 3 3.96% $12,496
Hometown Lenders, Inc. 3 2.79% $11,164
The Federal Savings Bank 3 2.92% $15,961
AHL FUNDING 3 2.92% $18,160
MID AMERICA MORTGAGE, INC. 3 3.00% $3,072
PARKSIDE LENDING, LLC 3 2.96% $9,734
EAGLE HOME MORTGAGE, LLC 3 3.46% $12,712
Bank of the West 3 3.63% $11,408
RESIDENTIAL BANCORP. 3 3.04% $12,898
FIRST ALLIANCE HOME MORTGAGE, LLC 2 2.94% $11,565
JMJ FINANCIAL GROUP 2 3.06% $10,607
JPMorgan Chase Bank 2 2.81% $7,677
Home Mortgage Alliance Corp 2 2.75% $11,083
LADERA LENDING, INC. 2 2.50% $10,806
Low VA Rates, LLC 2 2.50% $5,686
Manufacturers and Traders Trust Company 2 2.88% $11,481
First Bank 2 3.31% $15,751
MICHIGAN MUTUAL, INC. 2 2.75% $8,621
ENVOY MORTGAGE, LTD 2 3.19% $15,322
NFM, INC. 2 2.94% $8,848
North American Savings Bank, F.S.B. 2 2.50% $7,601
OCEANSIDE MORTGAGE COMPANY 2 3.06% $6,668
PACIFIC RESIDENTIAL MORTGAGE, LLC 2 2.81% $12,550
PANORAMA MORTGAGE GROUP, LLC 2 3.63% $14,506
CLEARPATH LENDING 2 2.75% $6,956
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.56% $14,389
Prosperity Home Mortgage, LLC 2 3.19% $11,601
CAMPOS FINANCIAL CORP. 2 3.00% $18,326
Residential Mortgage Solutions, Inc. 2 2.56% $7,730
Shea Mortgage Inc. 2 2.38% $8,398
SOVEREIGN LENDING GROUP INCORPORATED 2 2.50% $12,190
THRIVE MORTGAGE, LLC 2 2.88% $13,078
TRAVIS CREDIT UNION 2 2.81% $9,710
Umpqua Bank 2 2.94% $7,898
ZILLOW HOME LOANS, LLC 2 2.75% $11,524
WESTERN EXPRESS LENDING 2 3.06% $10,989
PIKE CREEK MORTGAGE SERVICES, INC. 1 3.88% $3,639
First Option Mortgage, LLC 1 4.25% $18,841
INTELLILOAN, INC. 1 2.50% $9,744
CHERRY CREEK MORTGAGE, LLC 1 2.75% $787
Century Mortgage Company DBA Century Lending Company 1 3.25% $10,997
LOANLEADERS OF AMERICA, INC. 1 3.38% $9,098
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 4.00% $14,771
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.75% $11,425
Prime Choice Funding Inc. 1 3.25% $12,293
UNITED SECURITY FINANCIAL CORP 1 2.38% $9,627
KELLER MORTGAGE, LLC 1 2.63% $8,915
PULTE MORTGAGE LLC 1 3.13% $9,450
U.S. Bank 1 3.13% $11,432
Goldwater Bank, N.A. 1 2.88% $12,588
HOMESIDE FINANCIAL, LLC 1 2.63% $9,537
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 3.00% $13,380
GUARANTEED RATE AFFINITY, LLC 1 2.25% $9,141
HOME APPROVALS DIRECT, INC. 1 2.88% $13,489
Bank of England 1 2.25% $12,347
ARC HOME LLC 1 3.50% $9,298
VISION ONE MORTGAGE, INC. 1 3.00% $6,465
ANGEL OAK HOME LOANS LLC 1 2.75% $9,440
AmRes Corporation 1 2.38% $10,422
SOUTHWEST STAGE FUNDING, LLC 1 3.38% $12,453
WALL FINANCIAL, INC. 1 3.00% $11,116
Ameris Bank 1 2.75% $10,601
Strong Home Mortgage, LLC 1 2.88% $6,300
AMERICAN FINANCING CORPORATION 1 2.50% $13,379
Sunflower Bank 1 3.75% $21,056
AMERICAN FINANCIAL RESOURCES, INC. 1 4.25% $12,721
HOME FUNDING CORPORATION 1 2.75% $7,096
THE GOLDEN 1 1 2.50% $11,157
Wells Fargo Bank 1 3.00% $5,910
MUFG Union Bank 1 2.75% $10,044
Wyndham Capital Mortgage, Inc. 1 2.88% $7,502
Mortgage Research Center, LLC 1 2.99% $10,319
DIRECTORS MORTGAGE, INC. 1 2.99% $9,250
Neighborhood Loans, Inc. 1 3.13% $12,247
HOMESTEAD FUNDING CORP. 1 2.63% $8,227
TJC Mortgage, Inc. 1 3.25% $9,084
TOWNE MORTGAGE COMPANY 1 3.38% $6,557
NOVA FINANCIAL & INVESTMENT CORPORATION 1 3.75% $11,011
iCore Lending, Inc. 1 3.75% $9,777
DATA MORTGAGE, INC. 1 3.38% $15,293
OPEN MORTGAGE, LLC 1 2.63% $12,183
WINNPOINTE CORPORATION 1 2.75% $4,809
UNION HOME MORTGAGE CORP. 1 2.75% $9,395
Credence Funding Corporation 1 2.25% $7,782
ML Mortgage Corp. 1 3.13% $9,129
COUNTRY CLUB MORTGAGE, INC. 1 2.63% $12,292

The top Stockton FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 254 FHA loans originated. Their average total fees are $10,883, which is $1,811 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Stockton FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL & INVESTMENT LLC ($4,111), LAKEVIEW LOAN SERVICING, LLC ($5,992), Lakeview Community Capital, LLC ($6,232), FREEDOM MORTGAGE CORPORATION ($7,176) and PENNYMAC LOAN SERVICES, LLC ($7,345).

The lowest rate Stockton FHA lenders (with over 10 loans originated) are InterContinental Capital Group, Inc (2.60%), UNITED WHOLESALE MORTGAGE, LLC (2.65%), QUICKEN LOANS, LLC (2.65%), VILLAGE CAPITAL & INVESTMENT LLC (2.68%) and HOMEAMERICAN MORTGAGE CORPORATION (2.69%).

Stockton FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
STOCKTON, CA SAN JOAQUIN 2022 $563,500 $721,400 $872,000 $1,083,650

Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Stockton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $387,450 (13.1%) $468,681 (10.7%) 1.43 896
2018-02-01 $379,900 (8.7%) $468,995 (11.4%) 1.37 892
2018-03-01 $377,000 (7.9%) $461,139 (9.8%) 1.30 894
2018-04-01 $389,500 (8.2%) $471,028 (8.3%) 1.31 996
2018-05-01 $385,000 (3.4%) $475,235 (7.5%) 1.28 1,137
2018-06-01 $394,900 (4.0%) $482,287 (9.3%) 1.32 1,277
2018-07-01 $397,000 (3.1%) $473,618 (6.2%) 1.32 1,345
2018-08-01 $395,000 (1.5%) $465,885 (3.1%) 1.32 1,512
2018-09-01 $395,000 (4.0%) $465,130 (3.4%) 1.32 1,648
2018-10-01 $394,000 (3.7%) $461,161 (1.8%) 1.32 1,690
2018-11-01 $396,750 (4.4%) $549,035 (18.9%) 1.33 1,690
2018-12-01 $399,000 (3.6%) $460,544 (-1.5%) 1.37 1,524
2019-01-01 $395,000 (2.0%) $452,087 (-3.5%) 1.36 1,334
2019-02-01 $389,750 (2.6%) $449,952 (-4.1%) 1.31 1,283
2019-03-01 $409,571 (8.6%) $471,650 (2.3%) 1.33 1,270
2019-04-01 $425,000 (9.1%) $484,404 (2.8%) 1.34 1,286
2019-05-01 $425,000 (10.4%) $494,114 (4.0%) 1.31 1,445
2019-06-01 $430,000 (8.9%) $501,482 (4.0%) 1.32 1,559
2019-07-01 $437,450 (10.2%) $745,520 (57.4%) 1.36 1,620
2019-08-01 $435,614 (10.3%) $908,247 (95.0%) 1.37 1,558
2019-09-01 $429,450 (8.7%) $495,525 (6.5%) 1.36 1,566
2019-10-01 $434,950 (10.4%) $499,086 (8.2%) 1.39 1,654
2019-11-01 $440,000 (10.9%) $499,202 (-9.1%) 1.42 1,524
2019-12-01 $443,450 (11.1%) $506,216 (9.9%) 1.48 1,230
2020-01-01 $432,750 (9.6%) $511,329 (13.1%) 1.44 1,053
2020-02-01 $449,990 (15.5%) $533,679 (18.6%) 1.45 981
2020-03-01 $442,475 (8.0%) $520,924 (10.5%) 1.38 972
2020-04-01 $439,900 (3.5%) $515,410 (6.4%) 1.37 1,056
2020-05-01 $439,995 (3.5%) $532,882 (7.9%) 1.33 1,045
2020-06-01 $459,000 (6.7%) $560,691 (11.8%) 1.34 857
2020-07-01 $459,900 (5.1%) $588,103 (-21.1%) 1.32 706
2020-08-01 $450,000 (3.3%) $565,700 (-37.7%) 1.29 621
2020-09-01 $467,425 (8.8%) $591,802 (19.4%) 1.34 611
2020-10-01 $450,000 (3.5%) $571,447 (14.5%) 1.29 597
2020-11-01 $457,500 (4.0%) $590,754 (18.3%) 1.31 531
2020-12-01 $461,750 (4.1%) $595,847 (17.7%) 1.35 421
2021-01-01 $460,000 (6.3%) $631,902 (23.6%) 1.35 341
2021-02-01 $459,000 (2.0%) $619,568 (16.1%) 1.32 322
2021-03-01 $454,950 (2.8%) $594,776 (14.2%) 1.28 378
2021-04-01 $490,244 (11.4%) $621,079 (20.5%) 1.32 398
2021-05-01 $495,000 (12.5%) $619,205 (16.2%) 1.30 431
2021-06-01 $522,000 (13.7%) $634,923 (13.2%) 1.36 550
2021-07-01 $540,000 (17.4%) $637,900 (8.5%) 1.40 653
2021-08-01 $537,500 (19.4%) $643,995 (13.8%) 1.41 774
2021-09-01 $542,000 (16.0%) $638,894 (8.0%) 1.43 814
2021-10-01 $535,990 (19.1%) $627,247 (9.8%) 1.41 799
2021-11-01 $530,000 (15.9%) $622,394 (5.4%) 1.40 634
2021-12-01 $539,950 (16.9%) $641,007 (7.6%) 1.44 478
2022-01-01 $543,835 (18.2%) $649,407 (2.8%) 1.45 370
2022-02-01 $562,500 (22.6%) $685,202 (10.6%) 1.43 375
2022-03-01 $594,444 (30.7%) $722,848 (21.5%) 1.47 425
2022-04-01 $599,000 (22.2%) $727,050 (17.1%) 1.41 542
Stockton's median listing price for 2022-04-01 was $599,000, a difference of $108,756 (22.2%) versus the prior year and $4,556 versus the prior month.

Stockton's median listing price comes in at 141% of the national average.

Stockton's average listing price for 2022-04-01 was $727,050, a difference of $105,971 (17.1%) versus the prior year and $4,202 versus the prior month.

For the 2022-04-01 period, Stockton had 542 MLS listings, a difference of 117 listings (28%) versus the prior month and 144 listings (36%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Stockton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 53 days 1,916 sqft
2018-02-01 38 days 1,850 sqft
2018-03-01 33 days 1,795 sqft
2018-04-01 31 days 1,808 sqft
2018-05-01 29 days 1,811 sqft
2018-06-01 35 days 1,849 sqft
2018-07-01 36 days 1,835 sqft
2018-08-01 36 days 1,800 sqft
2018-09-01 36 days 1,830 sqft
2018-10-01 43 days 1,831 sqft
2018-11-01 45 days 1,819 sqft
2018-12-01 53 days 1,818 sqft
2019-01-01 61 days 1,811 sqft
2019-02-01 47 days 1,820 sqft
2019-03-01 41 days 1,867 sqft
2019-04-01 35 days 1,915 sqft
2019-05-01 35 days 1,974 sqft
2019-06-01 36 days 1,954 sqft
2019-07-01 41 days 1,962 sqft
2019-08-01 44 days 1,947 sqft
2019-09-01 43 days 1,916 sqft
2019-10-01 39 days 1,921 sqft
2019-11-01 44 days 1,948 sqft
2019-12-01 56 days 1,941 sqft
2020-01-01 60 days 1,901 sqft
2020-02-01 32 days 1,981 sqft
2020-03-01 35 days 1,937 sqft
2020-04-01 39 days 1,888 sqft
2020-05-01 47 days 1,919 sqft
2020-06-01 44 days 1,959 sqft
2020-07-01 40 days 1,947 sqft
2020-08-01 39 days 1,900 sqft
2020-09-01 35 days 1,906 sqft
2020-10-01 34 days 1,859 sqft
2020-11-01 38 days 1,838 sqft
2020-12-01 46 days 1,800 sqft
2021-01-01 44 days 1,796 sqft
2021-02-01 31 days 1,699 sqft
2021-03-01 28 days 1,662 sqft
2021-04-01 25 days 1,723 sqft
2021-05-01 25 days 1,751 sqft
2021-06-01 22 days 1,827 sqft
2021-07-01 24 days 1,815 sqft
2021-08-01 26 days 1,851 sqft
2021-09-01 29 days 1,831 sqft
2021-10-01 34 days 1,830 sqft
2021-11-01 39 days 1,821 sqft
2021-12-01 45 days 1,800 sqft
2022-01-01 39 days 1,750 sqft
2022-02-01 28 days 1,746 sqft
2022-03-01 27 days 1,822 sqft
2022-04-01 24 days 1,885 sqft
Stockton's median listing age (time on market) for 2022-04-01 was 24 days. This is -2% shorter than the same period one year ago.

Stockton's median square footage for active listings during the 2022-04-01 period was 1,885 sqft. One year prior, the average listing was 1,723 sqft.

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).