Grade C · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$7,379
median across reports
vs. National Average
120%
above national avg
Avg Origination Charge
$3,796
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $3,796 | $1,553 | 🔺 High |
| discount_points | $2,549 | $2,425 | 🟡 Average |
| lender_credits | $1,604 | $443 | 🔺 High |
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Based on 7,099 homebuyer-submitted Closing Disclosures, Stockton Mortgage Corporation's median total closing costs are $7,379. This is about 120% above the $3,356 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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Average Closing Costs by State
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Aggregates from Stockton Mortgage Corporation's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
5,882
Ranked #79 nationally
Median Total Costs
$7,582
+13.5% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
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 |
| This lender | Kentucky median | National median | |
|---|---|---|---|
| Total Closing Costs | $7,113 | $5,007 | $6,680 |
| Interest Rate | 6.625% | 6.500% | 6.490% |
| Originations in state | 1,922 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |
Popular Refinance Pages
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 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 | — |