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We analyzed every closed loan from Stockton Mortgage — 7.0k loans across 11k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
Near-National · 49 mkts
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Safe Rate's 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
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +46.4 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Industry Standard Top 60% of lenders | |
USDA | Market Leader Top 5% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Near-National50 markets | |
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 |
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 |
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
States Served
25
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Lexington, KYMSA
Volume: 484Mix: 6.94%of portfolio
Place
Exceptional2
Cincinnati, OHMSA
Volume: 616Mix: 8.84%of portfolio
Place
Exceptional3
Louisville/Jefferson County, KY, KY-INMSA
Volume: 438Mix: 6.28%of portfolio
Place
Exceptional4
Huntsville, AL, ALMSA
Volume: 208Mix: 2.98%of portfolio
Place
Exceptional5
HuntingtonMSA
Volume: 131Mix: 1.88%of portfolio
Place
Exceptional6
Pittsburgh, PA, PAMSA
Volume: 301Mix: 4.32%of portfolio
Place
Exceptional7
Clarksville, TN, TN-KYMSA
Volume: 152Mix: 2.18%of portfolio
Place
Strong8
Fort Wayne, IN, INMSA
Volume: 216Mix: 3.10%of portfolio
Place
Strong9
Birmingham, AL, ALMSA
Volume: 148Mix: 2.12%of portfolio
Place
Strong10
Gadsden, AL, ALMSA
Volume: 41Mix: 0.59%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
KYState
Volume: 2,284Mix: 32.77%of portfolio
Place
Exceptional2
ALState
Volume: 764Mix: 10.96%of portfolio
Place
Exceptional3
TNState
Volume: 635Mix: 9.11%of portfolio
Place
Strong4
MSState
Volume: 407Mix: 5.84%of portfolio
Place
Strong5
INState
Volume: 653Mix: 9.37%of portfolio
Place
Strong6
GAState
Volume: 532Mix: 7.63%of portfolio
Place
Strong7
PAState
Volume: 324Mix: 4.65%of portfolio
Place
Strong8
FLState
Volume: 488Mix: 7.00%of portfolio
Place
Strong9
OHState
Volume: 243Mix: 3.49%of portfolio
Place
Strong10
WVState
Volume: 77Mix: 1.10%of portfolio
Place
StrongShowing 10 of 19 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.