STOCKTON Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Stockton averaged
6.91%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.64% and
one month ago for the week of 2025-05-15, the
average rate was 6.71%.
Stockton's average rate one year ago was 6.65%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.83%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Stockton 30 Year Fixed Rate | 2025-06-18 | 6.91% |
| Stockton 30 Year Fixed Rate Refi | 2025-06-18 | 6.83% |
| Stockton 15 Year Fixed Rate | 2025-06-18 | 6.05% |
| Stockton 15 Year Fixed Rate Refi | 2025-06-18 | 6.16% |
| Stockton 30 Year FHA | 2025-06-18 | -0.13% |
| Stockton 30 Year FHA Refi | 2025-06-18 | -0.45% |
| Stockton 30 Year USDA | 2025-06-18 | 0.1% |
| Stockton 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Stockton 30 Year VA | 2025-06-18 | -0.13% |
| Stockton 30 Year VA Refi | 2025-06-18 | -0.83% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within STOCKTON, CA.
STOCKTON Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the STOCKTON, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
STOCKTON Average Closing Costs & Other Stats
STOCKTON, CA's 240 lenders originated 12,833
loans during 2024. The total origination value was $5,068,545,000, with an average loan value of
$394,962.
STOCKTON's average closing costs are $6,671.
The top STOCKTON lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
776 loans originated. Their average total fees are
$9,271, which is $2,354
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee STOCKTON lenders (with over 10 loans originated) are
Shea Mortgage Inc. ($596), PULTE MORTGAGE LLC ($1,431), Fremont Bank ($1,878), HOMEAMERICAN MORTGAGE CORPORATION ($1,915) and Zions Bank ($3,185).
The lowest rate STOCKTON lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (5.77%), Citibank (6.12%), Provident Credit Union (6.12%), LOANDEPOT.COM, LLC (6.13%) and Bank of America (6.17%).
STOCKTON, CA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $504,145,000 | $671,280,000 | 33.2% | 13.2% |
| QUICKEN LOANS, LLC | $295,525,000 | $383,050,000 | 29.6% | 7.6% |
| EAGLE HOME MORTGAGE, LLC | $151,175,000 | $333,035,000 | 120.3% | 6.6% |
| LOANDEPOT.COM, LLC | $250,740,000 | $248,585,000 | -0.9% | 4.9% |
| U.S. Bank | $136,345,000 | $168,675,000 | 23.7% | 3.3% |
| HOMEAMERICAN MORTGAGE CORPORATION | $57,785,000 | $135,400,000 | 134.3% | 2.7% |
| PULTE MORTGAGE LLC | $78,220,000 | $91,505,000 | 17.0% | 1.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $122,915,000 | $91,465,000 | -25.6% | 1.8% |
| Bank of America | $79,390,000 | $85,605,000 | 7.8% | 1.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $74,165,000 | $83,350,000 | 12.4% | 1.6% |
| Century Mortgage Company DBA Century Lending Company | $38,980,000 | $80,525,000 | 106.6% | 1.6% |
| PENNYMAC LOAN SERVICES, LLC | $30,175,000 | $72,795,000 | 141.2% | 1.4% |
| SUMMIT FUNDING, INC. | $91,800,000 | $62,985,000 | -31.4% | 1.2% |
| KBHS HOME LOANS, LLC | $58,070,000 | $60,785,000 | 4.7% | 1.2% |
| South Pacific Financial Corporation | $22,135,000 | $59,775,000 | 170.0% | 1.2% |
| Paramount Residential Mortgage Group, Inc. | $30,065,000 | $59,650,000 | 98.4% | 1.2% |
| JPMorgan Chase Bank | $35,440,000 | $59,025,000 | 66.5% | 1.2% |
| Wells Fargo Bank | $112,825,000 | $58,470,000 | -48.2% | 1.2% |
| CMG MORTGAGE, INC. | $61,240,000 | $56,205,000 | -8.2% | 1.1% |
| GUARANTEED RATE, INC. | $28,015,000 | $55,890,000 | 99.5% | 1.1% |
| DHI MORTGAGE COMPANY, LTD. | $70,395,000 | $53,220,000 | -24.4% | 1.1% |
| SAFE CREDIT UNION | $135,355,000 | $48,880,000 | -63.9% | 1.0% |
| THE GOLDEN 1 | $68,320,000 | $48,495,000 | -29.0% | 1.0% |
| Shea Mortgage Inc. | $19,460,000 | $48,435,000 | 148.9% | 1.0% |
| GUILD MORTGAGE COMPANY | $24,135,000 | $48,335,000 | 100.3% | 1.0% |
| The Loan Store, Inc. | $16,555,000 | $45,310,000 | 173.7% | 0.9% |
| Zions Bank | $7,360,000 | $44,630,000 | 506.4% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $15,585,000 | $42,650,000 | 173.7% | 0.8% |
| BMO Harris Bank | $30,635,000 | $41,980,000 | 37.0% | 0.8% |
| STAR ONE CREDIT UNION | $47,915,000 | $39,800,000 | -16.9% | 0.8% |
| NEWREZ LLC | $11,170,000 | $37,045,000 | 231.6% | 0.7% |
| Citibank | $19,515,000 | $36,875,000 | 89.0% | 0.7% |
| Sierra Pacific Mortgage Company, Inc. | $36,700,000 | $34,700,000 | -5.4% | 0.7% |
| AMERITRUST MORTGAGE CORPORATION | $1,915,000 | $34,450,000 | 1,699.0% | 0.7% |
| BROKER SOLUTIONS, INC. | $23,275,000 | $33,935,000 | 45.8% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $12,895,000 | $29,870,000 | 131.6% | 0.6% |
| PNC Bank | $23,090,000 | $29,225,000 | 26.6% | 0.6% |
| OCMBC, INC. | $18,245,000 | $28,645,000 | 57.0% | 0.6% |
| Mortgage Research Center, LLC | $15,730,000 | $28,600,000 | 81.8% | 0.6% |
| Bank of Stockton | $27,320,000 | $27,635,000 | 1.2% | 0.5% |
| WALKER & DUNLOP, LLC | $61,360,000 | $26,255,000 | -57.2% | 0.5% |
| LENDINGHOME FUNDING CORPORATION | $16,110,000 | $25,540,000 | 58.5% | 0.5% |
| SCENIC OAKS FUNDING, INC. | $18,965,000 | $24,620,000 | 29.8% | 0.5% |
| Commerce Home Mortgage, Inc. | $24,025,000 | $23,750,000 | -1.1% | 0.5% |
| PATELCO | $26,980,000 | $23,380,000 | -13.3% | 0.5% |
| Flagstar Bank, FSB | $17,990,000 | $21,855,000 | 21.5% | 0.4% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $16,450,000 | $21,540,000 | 30.9% | 0.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $21,115,000 | $20,950,000 | -0.8% | 0.4% |
| Provident Credit Union | $27,870,000 | $20,895,000 | -25.0% | 0.4% |
| NMSI, INC. | $12,570,000 | $20,455,000 | 62.7% | 0.4% |
| AMWEST FUNDING CORP. | $8,200,000 | $20,410,000 | 148.9% | 0.4% |
| AmeriHome Mortgage Company, LLC | $13,735,000 | $20,395,000 | 48.5% | 0.4% |
| Performance Financial, Inc. | $2,485,000 | $19,900,000 | 700.8% | 0.4% |
| MORTGAGEONE, INC. | $18,965,000 | n/a | 0.4% | |
| UNCLE Credit Union | $12,715,000 | $18,080,000 | 42.2% | 0.4% |
| Golden Empire Mortgage, Inc. | $22,530,000 | $18,045,000 | -19.9% | 0.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $9,775,000 | $17,690,000 | 81.0% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $29,515,000 | $17,540,000 | -40.6% | 0.3% |
| General Mortgage Capital Corporation | $5,305,000 | $16,985,000 | 220.2% | 0.3% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $25,750,000 | $16,980,000 | -34.1% | 0.3% |
| Figure Lending LLC | $6,775,000 | $16,885,000 | 149.2% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $14,050,000 | $16,290,000 | 15.9% | 0.3% |
| SUN WEST MORTGAGE COMPANY, INC. | $9,535,000 | $16,115,000 | 69.0% | 0.3% |
| Fremont Bank | $11,900,000 | $16,040,000 | 34.8% | 0.3% |
| ALLIANT CREDIT UNION | $14,350,000 | $15,985,000 | 11.4% | 0.3% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $8,735,000 | $15,690,000 | 79.6% | 0.3% |
| GOOGAIN, INC. | $5,675,000 | $14,755,000 | 160.0% | 0.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $8,050,000 | $13,990,000 | 73.8% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $17,120,000 | $12,940,000 | -24.4% | 0.3% |
| EVERETT FINANCIAL, INC. | $14,360,000 | $12,375,000 | -13.8% | 0.2% |
| NEXERA HOLDING LLC | $10,520,000 | $11,645,000 | 10.7% | 0.2% |
| NexBank | $5,260,000 | $11,625,000 | 121.0% | 0.2% |
| Watermark Capital, Inc. | $5,950,000 | $11,535,000 | 93.9% | 0.2% |
| LAND HOME FINANCIAL SERVICES, INC. | $11,990,000 | $11,170,000 | -6.8% | 0.2% |
| Farmers & Merchants Bank of Central California | $12,365,000 | $10,720,000 | -13.3% | 0.2% |
| UBank | $4,385,000 | $10,615,000 | 142.1% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $3,785,000 | $10,575,000 | 179.4% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $4,165,000 | $10,465,000 | 151.3% | 0.2% |
| Citadel Servicing Corporation | $4,830,000 | $10,450,000 | 116.4% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $5,130,000 | $10,415,000 | 103.0% | 0.2% |
| Equity Prime Mortgage LLC | $4,335,000 | $10,390,000 | 139.7% | 0.2% |
| JMAC LENDING, INC. | $9,745,000 | n/a | 0.2% | |
| Discover Bank | $7,775,000 | $9,700,000 | 24.8% | 0.2% |
| TBI MORTGAGE COMPANY | $1,000,000 | $9,695,000 | 869.5% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $8,065,000 | $9,265,000 | 14.9% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $9,165,000 | $9,095,000 | -0.8% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $7,670,000 | $8,960,000 | 16.8% | 0.2% |
| INSPIRE HOME LOANS INC. | $8,800,000 | n/a | 0.2% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $18,360,000 | $8,385,000 | -54.3% | 0.2% |
| BETTER MORTGAGE CORPORATION | $5,415,000 | $8,270,000 | 52.7% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $2,440,000 | $8,060,000 | 230.3% | 0.2% |
| AXIA FINANCIAL, LLC | $1,595,000 | $8,035,000 | 403.8% | 0.2% |
| PLANET HOME LENDING, LLC | $2,290,000 | $7,750,000 | 238.4% | 0.2% |
| S1L, Inc. | $11,880,000 | $7,670,000 | -35.4% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $5,250,000 | $7,575,000 | 44.3% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $8,425,000 | $7,240,000 | -14.1% | 0.1% |
| BAY EQUITY LLC | $4,215,000 | $6,940,000 | 64.7% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $9,275,000 | $6,850,000 | -26.1% | 0.1% |
| Home Mortgage Alliance Corp | $6,780,000 | n/a | 0.1% | |
| Coastal Community Bank | $4,200,000 | $6,585,000 | 56.8% | 0.1% |
| STANFORD Federal Credit Union | $8,975,000 | $6,430,000 | -28.4% | 0.1% |
| MLD MORTGAGE INC. | $4,830,000 | $6,380,000 | 32.1% | 0.1% |
| PACIFIC SERVICE | $2,245,000 | $6,135,000 | 173.3% | 0.1% |
| PHH Mortgage Corporation | $2,460,000 | $6,105,000 | 148.2% | 0.1% |
| Carrington Mortgage Services, LLC | $7,940,000 | $6,055,000 | -23.7% | 0.1% |
| SPRING EQ, LLC | $3,885,000 | $5,950,000 | 53.2% | 0.1% |
| ALLIED MORTGAGE GROUP, INC. | $3,995,000 | $5,915,000 | 48.1% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $1,910,000 | $5,905,000 | 209.2% | 0.1% |
| DIGITAL Federal Credit Union | $15,005,000 | $5,570,000 | -62.9% | 0.1% |
| Hometown Equity Mortgage, LLC | $5,095,000 | $5,510,000 | 8.1% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $5,550,000 | $5,425,000 | -2.3% | 0.1% |
| Merchants Mortgage & Trust Corporation | $1,485,000 | $5,300,000 | 256.9% | 0.1% |
| Lakeview Community Capital, LLC | $740,000 | $5,250,000 | 609.5% | 0.1% |
| NEW WAVE LENDING GROUP INC | $905,000 | $5,165,000 | 470.7% | 0.1% |
| Self-Help Federal Credit Union | $5,510,000 | $5,115,000 | -7.2% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $3,150,000 | $5,070,000 | 61.0% | 0.1% |
| The Federal Savings Bank | $7,095,000 | $4,990,000 | -29.7% | 0.1% |
| FIRST TECHNOLOGY | $5,590,000 | $4,860,000 | -13.1% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $1,910,000 | $4,840,000 | 153.4% | 0.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $4,010,000 | $4,765,000 | 18.8% | 0.1% |
| Morgan Stanley Private Bank | $2,755,000 | $4,660,000 | 69.1% | 0.1% |
| ARC HOME LLC | $4,000,000 | $4,625,000 | 15.6% | 0.1% |
| ENVOY MORTGAGE, LTD | $5,590,000 | $4,560,000 | -18.4% | 0.1% |
| Northpointe Bank | $1,495,000 | $4,535,000 | 203.3% | 0.1% |
| Cathay Bank | $455,000 | $4,525,000 | 894.5% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,175,000 | $4,500,000 | 283.0% | 0.1% |
| First-Citizens Bank & Trust Company | $3,265,000 | $4,450,000 | 36.3% | 0.1% |
| 1ST UNITED SERVICES CREDIT UNION | $4,555,000 | $4,365,000 | -4.2% | 0.1% |
| DIGNIFIED HOME LOANS, LLC | $3,225,000 | $4,305,000 | 33.5% | 0.1% |
| USAA Federal Savings Bank | $1,820,000 | $4,270,000 | 134.6% | 0.1% |
| CLEARPATH LENDING | $1,565,000 | $4,260,000 | 172.2% | 0.1% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $2,500,000 | $4,255,000 | 70.2% | 0.1% |
| ZILLOW HOME LOANS, LLC | $3,825,000 | $4,110,000 | 7.5% | 0.1% |
| Umpqua Bank | $5,175,000 | $4,105,000 | -20.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,740,000 | $4,070,000 | 133.9% | 0.1% |
| Franklin Loan Corporation | $1,375,000 | $4,060,000 | 195.3% | 0.1% |
| ML Mortgage Corp. | $1,705,000 | $4,050,000 | 137.5% | 0.1% |
| Greenbox Loans, Inc. | $3,900,000 | $3,885,000 | -0.4% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $3,095,000 | $3,755,000 | 21.3% | 0.1% |
| VALLEY STRONG CREDIT UNION | $7,520,000 | $3,755,000 | -50.1% | 0.1% |
| CARDINAL FINANCIAL | $17,180,000 | $3,635,000 | -78.8% | 0.1% |
| Charles Schwab Bank, SSB | $1,745,000 | $3,595,000 | 106.0% | 0.1% |
| MK LENDING CORP. | $1,015,000 | $3,565,000 | 251.2% | 0.1% |
| NBKC BANK | $3,485,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $3,200,000 | $3,340,000 | 4.4% | 0.1% |
| UNION HOME MORTGAGE CORP. | $2,110,000 | $3,325,000 | 57.6% | 0.1% |
| PROPER RATE, LLC | $3,315,000 | n/a | 0.1% | |
| Vellum Mortgage, Inc. | $985,000 | $3,265,000 | 231.5% | 0.1% |
| SANDIA LABORATORY | $1,295,000 | $3,120,000 | 140.9% | 0.1% |
| RESIDENTIAL BANCORP | $10,695,000 | $3,090,000 | -71.1% | 0.1% |
| UIF CORPORATION | $3,355,000 | $3,080,000 | -8.2% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $980,000 | $3,050,000 | 211.2% | 0.1% |
| LADERA LENDING, INC. | $2,175,000 | $2,940,000 | 35.2% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $2,380,000 | $2,930,000 | 23.1% | 0.1% |
| Plains Commerce Bank | $6,020,000 | $2,905,000 | -51.7% | 0.1% |
| 21ST MORTGAGE CORPORATION | $3,870,000 | $2,880,000 | -25.6% | 0.1% |
| NP, Inc. | $3,110,000 | $2,855,000 | -8.2% | 0.1% |
| Ameris Bank | $3,020,000 | $2,850,000 | -5.6% | 0.1% |
| SCHOOLSFIRST | $2,295,000 | $2,810,000 | 22.4% | 0.1% |
| Prosperity Home Mortgage, LLC | $2,215,000 | $2,805,000 | 26.6% | 0.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $2,740,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $3,840,000 | $2,685,000 | -30.1% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $2,005,000 | $2,670,000 | 33.2% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $1,505,000 | $2,630,000 | 74.8% | 0.1% |
| Axos Bank | $585,000 | $2,560,000 | 337.6% | 0.1% |
| GTE Federal Credit Union | $1,250,000 | $2,480,000 | 98.4% | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | $950,000 | $2,430,000 | 155.8% | 0.0% |
| 5TH STREET CAPITAL, INC. | $1,210,000 | $2,405,000 | 98.8% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $2,405,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $2,120,000 | $2,385,000 | 12.5% | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | $6,335,000 | $2,375,000 | -62.5% | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $2,335,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $695,000 | $2,305,000 | 231.7% | 0.0% |
| First National Bank of America | $3,335,000 | $2,285,000 | -31.5% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $1,215,000 | $2,275,000 | 87.2% | 0.0% |
| DIRECTIONS EQUITY, LLC | $365,000 | $2,265,000 | 520.5% | 0.0% |
| Cornerstone First Mortgage, Inc | $2,245,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $630,000 | $2,230,000 | 254.0% | 0.0% |
| TEACHERS | $85,000 | $2,215,000 | 2,505.9% | 0.0% |
| INTELLILOAN, INC. | $705,000 | $2,120,000 | 200.7% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,045,000 | $2,060,000 | 97.1% | 0.0% |
| Farm Credit Mid-America, ACA | $2,000,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $1,305,000 | $1,935,000 | 48.3% | 0.0% |
| HomeTrust Bank | $1,550,000 | $1,920,000 | 23.9% | 0.0% |
| TRAVIS CREDIT UNION | $2,625,000 | $1,915,000 | -27.0% | 0.0% |
| Mechanics Bank | $7,215,000 | $1,875,000 | -74.0% | 0.0% |
| TECHNOLOGY | $1,220,000 | $1,870,000 | 53.3% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $525,000 | $1,865,000 | 255.2% | 0.0% |
| CITIZENS EQUITY FIRST | $3,555,000 | $1,860,000 | -47.7% | 0.0% |
| SANTA CLARA COUNTY | $1,715,000 | $1,810,000 | 5.5% | 0.0% |
| Provident Savings Bank, F.S.B. | $1,520,000 | $1,795,000 | 18.1% | 0.0% |
| T2 FINANCIAL LLC | $1,790,000 | n/a | 0.0% | |
| FUNDLOANS CAPITAL | $895,000 | $1,770,000 | 97.8% | 0.0% |
| COASTAL FUNDING SLC, INC. | $1,725,000 | n/a | 0.0% | |
| LOANPAL, LLC | $1,705,000 | $1,725,000 | 1.2% | 0.0% |
| KEYPOINT | $1,680,000 | $1,710,000 | 1.8% | 0.0% |
| NFM, INC. | $6,960,000 | $1,705,000 | -75.5% | 0.0% |
| Farmers Bank & Trust | $1,090,000 | $1,635,000 | 50.0% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $890,000 | $1,610,000 | 80.9% | 0.0% |
| Lake Forest Bank & Trust | $1,600,000 | n/a | 0.0% | |
| CHEVRON | $585,000 | $1,585,000 | 170.9% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $1,825,000 | $1,575,000 | -13.7% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $1,290,000 | $1,560,000 | 20.9% | 0.0% |
| MERIWEST MORTGAGE COMPANY, LLC | $1,540,000 | $1,560,000 | 1.3% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $2,710,000 | $1,545,000 | -43.0% | 0.0% |
| East West Bank | $32,005,000 | $1,495,000 | -95.3% | 0.0% |
| Bethpage Federal Credit Union | $3,895,000 | $1,490,000 | -61.7% | 0.0% |
| SNAPFI, INC. | $1,660,000 | $1,485,000 | -10.5% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $585,000 | $1,470,000 | 151.3% | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | $1,455,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $350,000 | $1,445,000 | 312.9% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,665,000 | $1,420,000 | -14.7% | 0.0% |
| Toyota Financial Savings Bank | $1,405,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $405,000 | $1,390,000 | 243.2% | 0.0% |
| FBC MORTGAGE, LLC | $1,060,000 | $1,385,000 | 30.7% | 0.0% |
| Financial Partners Credit Union | $465,000 | $1,330,000 | 186.0% | 0.0% |
| San Mateo Credit Union | $3,350,000 | $1,320,000 | -60.6% | 0.0% |
| REDWOOD | $1,585,000 | $1,305,000 | -17.7% | 0.0% |
| ONY GLO, INC. | $2,960,000 | $1,300,000 | -56.1% | 0.0% |
| Quontic Bank | $485,000 | $1,290,000 | 166.0% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,330,000 | $1,285,000 | -3.4% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $1,270,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $1,260,000 | n/a | 0.0% | |
| THE POLICE Credit Union | $1,260,000 | $1,260,000 | 0.0% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $655,000 | $1,185,000 | 80.9% | 0.0% |
| First Bank | $1,855,000 | $1,170,000 | -36.9% | 0.0% |
| BM Real Estate Services, Inc. | $1,100,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $1,070,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $1,050,000 | n/a | 0.0% | |
| Tri Counties Bank | $10,210,000 | $1,040,000 | -89.8% | 0.0% |
| NEW DAY FINANCIAL, LLC | $1,105,000 | $1,035,000 | -6.3% | 0.0% |
| GEORGIA'S OWN | $1,045,000 | $1,000,000 | -4.3% | 0.0% |
| Comerica Bank | $1,720,000 | $945,000 | -45.1% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $1,860,000 | $940,000 | -49.5% | 0.0% |
| DAS Acquisition Company, LLC | $205,000 | $930,000 | 353.7% | 0.0% |
| Keystone Funding, Inc. | $2,080,000 | $920,000 | -55.8% | 0.0% |
| BECKAM FUNDING CORP. | $3,470,000 | $915,000 | -73.6% | 0.0% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $900,000 | n/a | 0.0% | |
| AmRes Corporation | $1,415,000 | $885,000 | -37.5% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $505,000 | $880,000 | 74.3% | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | $1,075,000 | $875,000 | -18.6% | 0.0% |
| LENDSURE MORTGAGE CORP. | $2,535,000 | $875,000 | -65.5% | 0.0% |
| Schaumburg Bank & Trust | $865,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $770,000 | $830,000 | 7.8% | 0.0% |
| SOUTHLAND CREDIT UNION | $820,000 | n/a | 0.0% | |
| Northbrook Bank & Trust | $815,000 | n/a | 0.0% | |
| Pacific Lending LLC | $800,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $795,000 | n/a | 0.0% | |
| MERIWEST | $630,000 | $780,000 | 23.8% | 0.0% |
| VISION ONE MORTGAGE, INC. | $770,000 | n/a | 0.0% | |
| AMERICAN FINANCE HOUSE LARIBA | $765,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $760,000 | n/a | 0.0% | |
| First Federal Bank | $750,000 | n/a | 0.0% | |
| EQUITY WAVE LENDING, INC. | $575,000 | $745,000 | 29.6% | 0.0% |
| PREMIER LENDING, INC. | $555,000 | $745,000 | 34.2% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $100,000 | $720,000 | 620.0% | 0.0% |
| VERITAS FUNDING, LLC | $1,120,000 | $715,000 | -36.2% | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $690,000 | n/a | 0.0% | |
| Educational Employees Credit Union | $1,935,000 | $690,000 | -64.3% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $665,000 | $685,000 | 3.0% | 0.0% |
| V.I.P. MORTGAGE, INC. | $675,000 | n/a | 0.0% | |
| SAN FRANCISCO FEDERAL CREDIT UNION | $665,000 | n/a | 0.0% | |
| North Coast Financial, Inc. | $755,000 | $655,000 | -13.2% | 0.0% |
| Ally Bank | $2,230,000 | $650,000 | -70.9% | 0.0% |
| GENEVA FINANCIAL, LLC | $1,185,000 | $650,000 | -45.1% | 0.0% |
| TOWNE MORTGAGE COMPANY | $465,000 | $650,000 | 39.8% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $700,000 | $640,000 | -8.6% | 0.0% |
| SEA WEST COAST GUARD FEDERAL CREDIT UNION | $640,000 | n/a | 0.0% | |
| Kwik Mortgage Corporation | $635,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $5,305,000 | $630,000 | -88.1% | 0.0% |
| CBC Federal Credit Union | $2,080,000 | $630,000 | -69.7% | 0.0% |
| United States Senate Federal Credit Union | $200,000 | $630,000 | 215.0% | 0.0% |
| TOWER | $355,000 | $625,000 | 76.1% | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $615,000 | n/a | 0.0% | |
| FIRST COMMUNITY MORTGAGE, INC. | $105,000 | $610,000 | 481.0% | 0.0% |
| LOANLEADERS OF AMERICA, INC. | $730,000 | $610,000 | -16.4% | 0.0% |
| LENDINGONE, LLC | $595,000 | n/a | 0.0% | |
| PURDUE FEDERAL CREDIT UNION | $585,000 | n/a | 0.0% | |
| NORTHROP GRUMMAN Federal Credit Union | $505,000 | $565,000 | 11.9% | 0.0% |
| Citizens Bank | $3,310,000 | $525,000 | -84.1% | 0.0% |
| Paramount Bank | $525,000 | n/a | 0.0% | |
| Texana Bank | $525,000 | n/a | 0.0% | |
| FRONTWAVE | $515,000 | n/a | 0.0% | |
| MACKILLIE INCORPORATED | $600,000 | $505,000 | -15.8% | 0.0% |
| MOUNTAIN WEST FINANCIAL, INC. | $660,000 | $505,000 | -23.5% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,615,000 | $495,000 | -69.3% | 0.0% |
| Bank of England | $495,000 | n/a | 0.0% | |
| Encompass Lending Group, LP | $495,000 | n/a | 0.0% | |
| FEDERATED MORTGAGE CORP. | $485,000 | $485,000 | 0.0% | 0.0% |
| Consolidated Federal Credit Union | $475,000 | n/a | 0.0% | |
| Golden Bank | $305,000 | $470,000 | 54.1% | 0.0% |
| Magnolia Bank | $720,000 | $460,000 | -36.1% | 0.0% |
| ON Q FINANCIAL, INC. | $1,125,000 | $455,000 | -59.6% | 0.0% |
| PREMIER AMERICA | $455,000 | n/a | 0.0% | |
| WESCOM CENTRAL CREDIT UNION | $440,000 | n/a | 0.0% | |
| ISERVE RESIDENTIAL LENDING, LLC | $790,000 | $435,000 | -44.9% | 0.0% |
| Logan Finance Corporation | $345,000 | $435,000 | 26.1% | 0.0% |
| San Joaquin Power Employees Credit Union | $130,000 | $435,000 | 234.6% | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | $430,000 | n/a | 0.0% | |
| SAN FRANCISCO FIRE CREDIT UNION | $540,000 | $425,000 | -21.3% | 0.0% |
| USAlliance Federal Credit Union | $550,000 | $420,000 | -23.6% | 0.0% |
| Florida Capital Bank | $405,000 | n/a | 0.0% | |
| COAST 2 COAST FUNDING GROUP, INC. | $395,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $435,000 | $395,000 | -9.2% | 0.0% |
| NASA Federal Credit Union | $395,000 | n/a | 0.0% | |
| City Lending Inc. | $380,000 | n/a | 0.0% | |
| HighTechLending Inc | $600,000 | $380,000 | -36.7% | 0.0% |
| AUGUSTA FINANCIAL, INC. | $365,000 | n/a | 0.0% | |
| FAIRWINDS CREDIT UNION | $355,000 | n/a | 0.0% | |
| FirstBank | $355,000 | n/a | 0.0% | |
| CIS Financial Services, Inc. | $125,000 | $340,000 | 172.0% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $1,085,000 | $340,000 | -68.7% | 0.0% |
| AHL FUNDING | $315,000 | $335,000 | 6.3% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $335,000 | n/a | 0.0% | |
| Nations Lending Corporation | $420,000 | $335,000 | -20.2% | 0.0% |
| Royal Business Bank | $335,000 | n/a | 0.0% | |
| CommonWealth Central Credit Union | $55,000 | $330,000 | 500.0% | 0.0% |
| ALL REVERSE MORTGAGE, INC. | $720,000 | $325,000 | -54.9% | 0.0% |
| FIRST ENTERTAINMENT | $275,000 | $325,000 | 18.2% | 0.0% |
| North American Savings Bank, F.S.B. | $325,000 | n/a | 0.0% | |
| OAKTREE FUNDING CORP. | $390,000 | $315,000 | -19.2% | 0.0% |
| PremierOne Credit Union | $805,000 | $310,000 | -61.5% | 0.0% |
| Truist | $1,835,000 | $310,000 | -83.1% | 0.0% |
| ADVANCIAL | $305,000 | n/a | 0.0% | |
| Bank Iowa | $305,000 | n/a | 0.0% | |
| Constant Investments, Inc. | $520,000 | $305,000 | -41.3% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $275,000 | n/a | 0.0% | |
| CENTRAL COAST LENDING, INC. | $265,000 | n/a | 0.0% | |
| LOGIX FEDERAL CREDIT UNION | $260,000 | n/a | 0.0% | |
| SILVER HILL FUNDING, LLC | $515,000 | $255,000 | -50.5% | 0.0% |
| KINECTA | $790,000 | $245,000 | -69.0% | 0.0% |
| PARTNERS | $230,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $215,000 | n/a | 0.0% | |
| AIR ACADEMY | $205,000 | n/a | 0.0% | |
| M&T Bank | $275,000 | $205,000 | -25.5% | 0.0% |
| UNIFY FINANCIAL Credit Union | $270,000 | $200,000 | -25.9% | 0.0% |
| Mission City Federal Credit Union | $190,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $250,000 | $175,000 | -30.0% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $525,000 | $165,000 | -68.6% | 0.0% |
| American Airlines Federal Credit Union | $145,000 | $165,000 | 13.8% | 0.0% |
| Boeing Employees Credit Union | $185,000 | $155,000 | -16.2% | 0.0% |
| California Coast Credit Union | $1,035,000 | $155,000 | -85.0% | 0.0% |
| FIRST U.S. COMMUNITY CREDIT UNION | $65,000 | $150,000 | 130.8% | 0.0% |
| HONDA Federal Credit Union | $65,000 | $145,000 | 123.1% | 0.0% |
| LANTZMAN MANAGEMENT, INC. | $125,000 | n/a | 0.0% | |
| 1ST NORTHERN CALIFORNIA | $105,000 | n/a | 0.0% | |
| Baxter Credit Union | $105,000 | n/a | 0.0% | |
| CALIFORNIA CREDIT UNION | $10,590,000 | $105,000 | -99.0% | 0.0% |
| FOOTHILL FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| Service Federal Credit Union | $485,000 | $105,000 | -78.4% | 0.0% |
| Southwest Airlines Federal Credit Union | $25,000 | $85,000 | 240.0% | 0.0% |
| DATA MORTGAGE, INC. | $75,000 | n/a | 0.0% | |
| SKYONE Federal Credit Union | $75,000 | n/a | 0.0% | |
| AMERICAN FIRST | $55,000 | n/a | 0.0% | |
| INOVA FEDERAL CREDIT UNION | $240,000 | $55,000 | -77.1% | 0.0% |
| JUSTICE Federal Credit Union | $35,000 | n/a | 0.0% | |
| River City Bank | $30,710,000 | $35,000 | -99.9% | 0.0% |
| FOUR POINTS | $15,000 | n/a | 0.0% |
STOCKTON's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 13.2% market share. In second place, with 7.6%, is QUICKEN LOANS, LLC, having originated $383,050,000 in loans. In third place, with 6.6%, is EAGLE HOME MORTGAGE, LLC, having originated $333,035,000 in loans. In fourth place, with 4.9%, is LOANDEPOT.COM, LLC, having originated $248,585,000 in loans. In fifth place, with 3.3%, is U.S. Bank, having originated $168,675,000 in loans.
STOCKTON, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 7,567 | $3,696,065,000 | $488,445 |
| Cash Out Refi | 1,759 | $453,175,000 | $257,632 |
| Refi | 1,308 | $664,130,000 | $507,745 |
| Other | 1,247 | $136,965,000 | $109,836 |
| Home Improvement | 950 | $116,940,000 | $123,095 |
| NA | 2 | $1,270,000 | $635,000 |
Stockton's most frequently cited loan purpose was Home Purchase, with 7,567 originations. The 2nd most popular reason was Cash Out Refi, with 1,759 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 5,142 | $2,451,170,000 | $476,696 |
| Over 8% | 2,746 | $402,950,000 | $146,741 |
| 5-6% | 2,235 | $1,128,815,000 | $505,063 |
| 7-8% | 1,882 | $777,960,000 | $413,369 |
| 4-5% | 355 | $217,755,000 | $613,394 |
| <2.5% | 245 | $7,915,000 | $32,306 |
| 3-4% | 29 | $17,445,000 | $601,552 |
| 2.5-3% | 9 | $2,865,000 | $318,333 |
During 2024, Stockton's most frequently originated rate bucket was 6-7%, with 5,142 originations.
Loan Sizing (STOCKTON, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 3,752 | $1,854,140,000 | $494,174 |
| $200k-400k | 3,060 | $944,730,000 | $308,735 |
| $600k-1000k | 2,435 | $1,727,275,000 | $709,353 |
| $100,000 or less | 2,005 | $109,195,000 | $54,461 |
| $100k-200k | 1,437 | $199,025,000 | $138,500 |
| $Over $1MM | 144 | $234,180,000 | $1,626,250 |
STOCKTON's loan sizing saw the bucket of loans from $400k-600k with 3,752 originations, totaling $1,854,140,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 4,722 | $2,509,300,000 | $531,406 |
| 60-80% | 3,090 | $1,639,310,000 | $530,521 |
| Under 20% | 2,445 | $181,415,000 | $74,198 |
| 20-40% | 1,107 | $212,625,000 | $192,073 |
| 40-60% | 1,049 | $362,545,000 | $345,610 |
| Over 100% | 72 | $37,270,000 | $517,639 |
STOCKTON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 4,722 originations, totaling $2,509,300,000 in origination value.