Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for San Joaquin County, California
Every institution that decided a 1–4 unit mortgage application in San Joaquin County, home to Stockton, between 2023 and 2025: 45,399 applications, 33,563 loans actually funded, across 8 kinds of borrowing.
San Joaquin County at a glance
45,399Applications decided
2023–2025
33,563Loans funded
74% of decisions
174Census tracts
27 ZIP codes
787,416People
ACS 2023
What the data shows
The typical purchase mortgage here is $465K.
Investment home improvement is the hardest money to get here: lenders approved 48% of 408 applications.
Lending by loan type in San Joaquin County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.6% | 22,783 | $465K | 96% | 418 |
| Home improvement loans | 55.2% | 5,385 | $95K | 90% | 153 |
| Cash-out refinance | 66.8% | 7,381 | $215K | 94% | 277 |
| Refinance | 71.5% | 5,106 | $505K | 90% | 293 |
| Investment property purchase | 88.8% | 2,791 | $405K | 95% | 220 |
| Investment cash-out refinance | 68.3% | 804 | $255K | 92% | 144 |
| Investment refinance | 77.9% | 741 | $425K | 95% | 140 |
| Investment home improvement | 48.3% | 408 | $105K | 89% | 65 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.