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 score and performance metrics.

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 an overall pricing score of 26.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Stockton Mortgage Corporation?

Stockton Mortgage Corporation is a Independent Mortgage Company headquartered in FRANKFORT, KY.

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Stockton Mortgage Corporation

Independent Mortgage Company•Frankfort, KYHQ•Direct•Reviews near you on Google

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

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

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Sound

Top 60% of lenders

USDA

Exceptional

Top 5% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Exceptional	Acceptable	Strong	3,349	48.0%	+0.385%Above	$2,897Fees
FHA Loans	Strong	Exceptional	Acceptable	Strong	2,538	36.4%	+0.710%Above	$3,451Fees
VA Loans	Sound	Exceptional	Acceptable	Strong	606	8.7%	-0.085%Below	$3,320Fees
Jumbo Loans	Acceptable	Sound	—	Mediocre	14	0.2%	+0.580%Above	$2,824Fees
USDA Loans	Strong	Exceptional	Acceptable	Strong	463	6.6%	+0.515%Above	$2,342Fees

Conventional

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume3,349

Mix48.0%

Spread

+0.385%Above

Fees

$2,897Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume2,538

Mix36.4%

Spread

+0.710%Above

Fees

$3,451Fees

VA Loans

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume606

Mix8.7%

Spread

-0.085%Below

Fees

$3,320Fees

Jumbo Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Mediocre

Volume14

Mix0.2%

Spread

+0.580%Above

Fees

$2,824Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

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	Strong	Exceptional	Acceptable	Strong	6,205	89.0%	+0.480%Above	$3,104Fees
Refinance	Sound	Strong	Acceptable	Sound	765	11.0%	+0.347%Above	$3,060Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume6,205

Mix89.0%

Spread

+0.480%Above

Fees

$3,104Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast1

Midwest6

IAILINKSMIOH

South16

ALARDCFLGAKYLAMDMSNCOKSCTNTXVAWV

West2

CACO

Top Metro Areas by Place Specialization Score

1© J654567 · CC BY-SA 3.0

Lexington, KYMetro

Volume 484Mix 6.94% of portfolio

100/100

Exceptional

2© Warren LeMay from Cincinnati, OH, United States · CC0

Cincinnati, OHMetro

Volume 616Mix 8.84% of portfolio

90/100

Exceptional

3© Ken Lund · CC BY-SA 2.0

Louisville/Jefferson County, KY, KY-INMetro

Volume 438Mix 6.28% of portfolio

87/100

Exceptional

Huntsville, ALMetro

Volume 208Mix 2.98% of portfolio

83/100

Exceptional

HuntingtonMetro

Volume 131Mix 1.88% of portfolio

81/100

Exceptional

Pittsburgh, PAMetro

Volume 301Mix 4.32% of portfolio

81/100

Exceptional

Clarksville, TN, TN-KYMetro

Volume 152Mix 2.18% of portfolio

78/100

Strong

Fort Wayne, INMetro

Volume 216Mix 3.10% of portfolio

77/100

Strong

Birmingham, ALMetro

Volume 148Mix 2.12% of portfolio

77/100

Strong

Gadsden, ALMetro

Volume 41Mix 0.59% of portfolio

77/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

KentuckyState

Volume 2,284Mix 32.77% of portfolio

100/100

Exceptional

AlabamaState

Volume 764Mix 10.96% of portfolio

87/100

Exceptional

TennesseeState

Volume 635Mix 9.11% of portfolio

80/100

Strong

MississippiState

Volume 407Mix 5.84% of portfolio

80/100

Strong

IndianaState

Volume 653Mix 9.37% of portfolio

78/100

Strong

GeorgiaState

Volume 532Mix 7.63% of portfolio

75/100

Strong

PennsylvaniaState

Volume 324Mix 4.65% of portfolio

70/100

Strong

FloridaState

Volume 488Mix 7.00% of portfolio

68/100

Strong

OhioState

Volume 243Mix 3.49% of portfolio

65/100

Strong

West VirginiaState

Volume 77Mix 1.10% of portfolio

64/100

Strong

Showing 10 of 19 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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 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.