Purchase Originations
5,882
Ranked #79 nationally
Median Total Costs
$7,582
+13.5% vs national ($6,680)
↑ $72 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,106
Median Lender Credits
$286
Cost Rank (500+ vol.)
#410
among lenders with 500+ originations
Denial Rate
4.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,743 | 6.625% | $5,395 | $2,717 |
| fha | 2,209 | 6.625% | $10,036 | $3,686 |
| va | 499 | 6.375% | $7,689 | $2,813 |
| usda | 431 | 6.625% | $6,894 | $2,594 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Kentucky | 1,922 | 6.625% | $7,113 | #2 |
| Alabama | 858 | 6.500% | $8,159 | #14 |
| Tennessee | 552 | 6.625% | $8,905 | #31 |
| Indiana | 550 | 6.750% | $4,855 | #31 |
| Mississippi | 346 | 6.625% | $8,456 | #18 |
| Georgia | 328 | 6.500% | $9,368 | #71 |
| Florida | 231 | 6.625% | $10,067 | #149 |
| Pennsylvania | 227 | 6.625% | $7,661 | #100 |
| Ohio | 219 | 6.750% | $6,970 | #87 |
| West Virginia | 203 | 6.750% | $7,037 | #20 |
| Iowa | 122 | 6.625% | $7,678 | #54 |
| Arkansas | 109 | 6.625% | $4,882 | #65 |
| Michigan | 85 | 6.750% | $6,143 | #119 |
| Illinois | 53 | 6.750% | $8,543 | #188 |
| North Carolina | 33 | 6.625% | $7,778 | — |
| South Carolina | 21 | 6.875% | $8,262 | — |
| Texas | 10 | 6.750% | $13,917 | — |
| Virginia | 4 | 7.000% | $14,256 | — |
| Louisiana | 3 | 6.500% | $8,252 | — |
| Kansas | 2 | 6.875% | $6,376 | — |
| Maryland | 1 | 5.250% | $26,392 | — |
| Missouri | 1 | 6.625% | $3,949 | — |
| New Mexico | 1 | 6.250% | $8,043 | — |
| Oklahoma | 1 | 6.250% | $4,694 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,578 | 6.875% | — | 51 | −$4,004 | |
| 2 | $3,758 | 6.875% | — | 100 | −$3,824 | |
| 3 | $5,237 | 6.875% | — | 65 | −$2,345 | |
| 4 | $6,231 | 6.625% | — | 96 | −$1,351 | |
| 5 | $6,416 | 6.625% | — | 138 | −$1,166 | |
| 6 | $6,476 | 6.625% | — | 114 | −$1,106 | |
| 7 | $6,676 | 6.500% | — | 68 | −$906 | |
| 8 | $6,865 | 6.500% | — | 127 | −$717 | |
| 9 | $7,149 | 6.500% | — | 190 | −$433 | |
| 10 | $7,243 | 6.500% | — | 172 | −$339 | |
| 11 | $7,429 | 6.250% | — | 257 | −$153 | |
| 12 | $7,816 | 6.500% | — | 54 | +$234 | |
| 13 | $7,927 | 6.375% | — | 105 | +$345 | |
| 14 | $8,004 | 6.625% | — | 84 | +$422 | |
| 15 | $8,158 | 6.750% | — | 65 | +$576 | |
| 16 | $8,619 | 6.625% | — | 82 | +$1,037 | |
| 17 | $8,638 | 6.250% | — | 65 | +$1,056 | |
| 18 | $8,991 | 6.625% | — | 79 | +$1,409 | |
| 19 | $10,318 | 6.500% | — | 59 | +$2,736 | |
| 20 | $10,437 | 6.490% | — | 55 | +$2,855 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Stockton Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $7,582 | $7,127 | +$455 (+6.4%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.