Bank of Stockton mortgage approval rate & lending review
Bank of Stockton decided 510 mortgage applications and funded 354 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank of Stockton reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank of Stockton at a glance
Approval is 1.2 points above the 69.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 71% | 29 / 41 | 93% | $625K | 27 |
| Home improvement loans | 71% | 197 / 279 | 99% | $115K | 196 |
| Refinance | 62% | 58 / 94 | 98% | $185K | 57 |
| Investment property purchase | 83% | 30 / 36 | 100% | $295K | 30 |
| Investment home improvement | 73% | 24 / 33 | 100% | $165K | 24 |
Bank of Stockton lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 70% | $115K | 504 | 349 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bank of Stockton lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Joaquin County, CA | Home improvement loans | 72% | 178 | 128 |
| San Joaquin County, CA | Refinance | 68% | 53 | 36 |
| Stanislaus County, CA | Home improvement loans | 67% | 49 | 33 |
| Stanislaus County, CA | Refinance | 38% | 21 | 8 |
The county markets where Bank of Stockton made the most loans. Each link opens that market with every lender ranked.
Questions about Bank of Stockton
What is Bank of Stockton's mortgage approval rate?
Bank of Stockton approved 70.2% of the 510 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.2 points above the 69.0% national rate for the same mix of loan types.
How often do borrowers take the loan Bank of Stockton offers?
Borrowers accepted 99% of the loans Bank of Stockton approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bank of Stockton make?
The typical home improvement loan loan Bank of Stockton made was $115K; across all loan types its typical loan ran from $115K to $625K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank of Stockton lend?
Bank of Stockton decided applications in 5 of the states Fat Boy Data covers, most of them in California, Nevada and Montana.
Can I apply to Bank of Stockton directly?
Yes. Bank of Stockton is a bank or credit union with 21 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank of Stockton's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bank of Stockton treats applications, then get a rate quote from the lender.