Bank of Stockton in California vs the state
28.0%Denial rate+10.57 pts vs state
31.3%Decision denial rate+8.90 pts vs state
59.7%Origination rate+3.53 pts vs state
—Median rate
—Rate spread (pts)
$120kMedian applicant income
175Loans originated
82Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 253 | 158 | 31.6% | — | #313 |
| 2024 | 304 | 193 | 28.6% | — | #303 |
| 2025 | 293 | 175 | 28.0% | — | #319 |
What Bank of Stockton lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Bank of Stockton applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Joaquin County | 137 | 82 | 37 | 27.0% |
| Stanislaus County | 45 | 29 | 14 | 31.1% |
| Tuolumne County | 24 | 14 | 8 | 33.3% |
| Contra Costa County | 16 | 8 | 6 | 37.5% |
| Solano County | 14 | 7 | 5 | 35.7% |
| Calaveras County | 14 | 9 | 3 | 21.4% |
| Sacramento County | 11 | 5 | 3 | 27.3% |
| Amador County | 6 | 4 | 1 | 16.7% |
| Mariposa County | 5 | 3 | 1 | 20.0% |
| Napa County | 3 | 3 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 293 applications in 2025, of which 175 were originated and 82 denied.
28.0% of all applications, or 31.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Bank of Stockton's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology