# STOCKTON MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/stockton-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


STOCKTON MORTGAGE CORPORATION is a independent mortgage company, headquartered in FRANKFORT, KY, serving borrowers across 25 states, with 6,970 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 73% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300QR0KFPEDZPEI42
- **Headquarters:** FRANKFORT, KY
- **Geographic Reach:** Near-National
- **States Served:** 25
- **State List:** AL, AR, CA, CO, DC, FL, GA, IA, IL, IN, KS, KY, LA, MD, MI, MS, NC, OH, OK, PA, SC, TN, TX, VA, WV
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 89%
- **Brokered/Wholesale:** 11%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.464%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,099
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 6,970
- **Dollar Volume:** $1.8 billion
- **Applications Received:** 10,672
- **Market Share:** 20.00%

## Typical Borrower Profile

- **Average Loan Amount:** $253,981
- **Average Borrower Income:** $103,312
- **Average Property Value:** $303,211

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (62%)
- ⭐ **USDA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 3,349 | +0.385% | $2,897 | Exceptional 🤩 |
| FHA | 89/100 | 2,538 | +0.710% | $3,451 | Exceptional 🤩 |
| VA | 84/100 | 606 | -0.085% | $3,320 | Exceptional 🤩 |
| Jumbo | 43/100 | 14 | +0.580% | $2,824 | Sound ☺️ |
| USDA | 95/100 | 463 | +0.515% | $2,342 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,919 loans, Score: 84/100 (Exceptional)
- Refinance: 430 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 2,269 loans, Score: 89/100 (Exceptional)
- Refinance: 269 loans, Score: 83/100 (Exceptional)

**VA:**
- Purchase: 541 loans, Score: 84/100 (Exceptional)
- Refinance: 65 loans, Score: 80/100 (Strong)

**USDA:**
- Purchase: 463 loans, Score: 95/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 87/100 | 6,205 | $1.6B | +0.480% | Exceptional 🤩 |
| Refinance | 76/100 | 765 | $180M | +0.347% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 2,284 | 4.91% | 100/100 |
| AL | 764 | 1.27% | 87/100 |
| IN | 653 | 0.72% | 78/100 |
| TN | 635 | 0.70% | 80/100 |
| GA | 532 | 0.39% | 75/100 |
| FL | 488 | 0.17% | 68/100 |
| MS | 407 | 1.63% | 80/100 |
| PA | 324 | 0.27% | 70/100 |
| OH | 243 | 0.18% | 65/100 |
| IA | 131 | 0.37% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,572 | 80/100 |
| Cincinnati, OH |  | 616 | 90/100 |
| Lexington | KY | 484 | 100/100 |
| Louisville/Jefferson County, KY | KY-IN | 438 | 87/100 |
| Pittsburgh, PA | PA | 301 | 81/100 |
| Atlanta | GA | 231 | 70/100 |
| Fort Wayne, IN | IN | 216 | 77/100 |
| Huntsville, AL | AL | 208 | 83/100 |
| Knoxville, TN | TN | 206 | 73/100 |
| Clarksville, TN | TN-KY | 152 | 78/100 |
| Birmingham, AL | AL | 148 | 77/100 |
| Memphis, TN |  | 141 | 70/100 |
| Huntington |  | 131 | 81/100 |
| Marietta, GA | GA | 101 | 68/100 |
| Des Moines | IA | 97 | 66/100 |

## Where This Lender Ranks

STOCKTON MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Clarksville, TN for USDA Loans
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Clarksville, TN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/clarksville-tn/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Des Moines for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Fort Wayne, IN for USDA Loans
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Fort Wayne, IN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Gadsden, AL for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Cincinnati, OH for USDA Loans
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Cincinnati, OH for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Huntington for USDA Loans
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Huntington for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Des Moines for USDA Loans
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Gadsden, AL for USDA Loans
  - [View Full Rankings](https://saferate.com/gadsden-al/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Memphis, TN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in Valdosta, GA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/valdosta-ga/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Pittsburgh, PA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Paducah, KY Mortgage Companies
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Paducah, KY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/paducah-ky/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Lexington for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Louisville/Jefferson County, KY for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#6** in Knoxville, TN for USDA Loans
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/usda-loans)

## Frequently Asked Questions

### What loan types does STOCKTON MORTGAGE CORPORATION offer?

STOCKTON MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does STOCKTON MORTGAGE CORPORATION offer mortgages?

STOCKTON MORTGAGE CORPORATION offers mortgages in 25 states: AL, AR, CA, CO, DC, FL, GA, IA, IL, IN, KS, KY, LA, MD, MI, MS, NC, OH, OK, PA, SC, TN, TX, VA, WV.

### How competitive are STOCKTON MORTGAGE CORPORATION's mortgage rates?

STOCKTON MORTGAGE CORPORATION has a pricing score of 27/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.464% above market average.

### What type of lender is STOCKTON MORTGAGE CORPORATION?

STOCKTON MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in FRANKFORT, KY.

### What is STOCKTON MORTGAGE CORPORATION's loan approval success rate?

STOCKTON MORTGAGE CORPORATION has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/stockton-mortgage

### How to Cite

> "STOCKTON MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/stockton-mortgage

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