BANK OF STOCKTON
BANK OF STOCKTON received 297 applications in 2025 and made 178 mortgages, in 26 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $185,000. Of 266 decisions, 83 were denials — 31.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900SRWC0U4V5XQ024 |
|---|---|
| Applications received | 297 |
| Mortgages made | 178 |
| Denied | 83 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 31 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Bank of Stockton, 21 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 23 | Not published | $505,000 | 25.0% |
| Refinancing | 40 | Not published | $210,000 | 24.1% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 115 | Not published | $125,000 | 34.1% |
Where BANK OF STOCKTON lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| San Joaquin County, CA | 82 | Not published | 30.6% |
| Stanislaus County, CA | 29 | Not published | 32.6% |
| Tuolumne County, CA | 14 | Not published | 36.4% |
| Calaveras County, CA | 9 | Under 10 loans | 25.0% |
| Contra Costa County, CA | 8 | Under 10 loans | 42.9% |
| Solano County, CA | 7 | Under 10 loans | 41.7% |
| Sacramento County, CA | 5 | Under 10 loans | 33.3% |
| Amador County, CA | 4 | Under 10 loans | 20.0% |
| Mariposa County, CA | 3 | Under 10 loans | 20.0% |
| Napa County, CA | 3 | Under 10 loans | 0.0% |
| Tulare County, CA | 3 | Under 10 loans | 0.0% |
| Monterey County, CA | 2 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 50.0% |
| Merced County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| San Mateo County, CA | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 1 | Under 10 loans | 50.0% |
| Sonoma County, CA | 1 | Under 10 loans | 0.0% |
| Flathead County, MT | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 0.0% |
| Fresno County, CA | 0 | Under 10 loans | Not published |
| Madera County, CA | 0 | Under 10 loans | 100.0% |
| Mendocino County, CA | 0 | Under 10 loans | Not published |
| Placer County, CA | 0 | Under 10 loans | 0.0% |
| Washoe County, NV | 0 | Under 10 loans | 100.0% |
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When BANK OF STOCKTON’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.