Stockton Mortgage Corporation
We analyzed every closed loan from Stockton Mortgage Corporation — 7.0k loans across 11k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Near-National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Stockton Mortgage Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+46.4 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
3,349 loans · 0.39% above market
Exceptional
Top 20% of lenders
5/5
FHA
2,538 loans · 0.71% above market
Exceptional
Top 20% of lenders
5/5
VA
606 loans · 0.09% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
14 loans · 0.58% above market
Sound
Top 60% of lenders
3/5
USDA
463 loans · 0.52% above market
Exceptional
Top 5% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
6,205 loans · 0.48% above market
Exceptional
Top 20% of lenders
5/5
Refinance
765 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 50 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,349 | 48.0% | +0.385%Above | $2,897Fees | ||||
FHA Loans | 2,538 | 36.4% | +0.710%Above | $3,451Fees | ||||
VA Loans | 606 | 8.7% | -0.085%Below | $3,320Fees | ||||
Jumbo Loans | — | 14 | 0.2% | +0.580%Above | $2,824Fees | |||
USDA Loans | 463 | 6.6% | +0.515%Above | $2,342Fees |
Conventional
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume3,349
Mix48.0%
Spread
+0.385%Above
Fees
$2,897Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,538
Mix36.4%
Spread
+0.710%Above
Fees
$3,451Fees
VA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume606
Mix8.7%
Spread
-0.085%Below
Fees
$3,320Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume14
Mix0.2%
Spread
+0.580%Above
Fees
$2,824Fees
USDA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume463
Mix6.6%
Spread
+0.515%Above
Fees
$2,342Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 6,205 | 89.0% | +0.480%Above | $3,104Fees | ||||
Refinance | 765 | 11.0% | +0.347%Above | $3,060Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume6,205
Mix89.0%
Spread
+0.480%Above
Fees
$3,104Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume765
Mix11.0%
Spread
+0.347%Above
Fees
$3,060Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
6,970
Applications
10,672
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.464%
vs. market APOR
Avg Net Fees
$3,099
Origination − Credits
Pullthrough Rate
65.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$253,981
Avg Borrower Income
$103,312
Avg Property Value
$303,211
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
25
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
25Full-year 2024 · HMDALoans originated
< 5050–100100–200200–500500+None
Northeast1
PA
Midwest6
IAILINKSMIOH
South16
ALARDCFLGAKYLAMDMSNCOKSCTNTXVAWV
West2
CACO
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 19 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.