Mortgage lending in Stockton-Lodi, CA
13,657 mortgages were originated in the Stockton-Lodi, CA area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 13,657
- Median rate
- 6.556%
- Median lender fees
- $6,825
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $395,000
- Above the going rate (spread over APOR)
- 0.259
- Paid discount points
- 42.7%
- Received lender credits
- 26.3%
- Purchases / refinances
- 53.6% / 30.3%
- Conventional / FHA / VA
- 80.2% / 15.6% / 4.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Stockton-Lodi, CA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,686 | $10,496 | 6.375% |
| Rocket Mortgage, LLC | 1,145 | $4,345 | 6.750% |
| Lennar Mortgage, LLC | 727 | $6,882 | 4.990% |
| Loandepot.Com, LLC | 544 | $7,068 | 6.250% |
| The Loan Store, Inc. | 302 | $5,554 | 6.625% |
| Pennymac Loan Services, LLC | 275 | $5,754 | 6.490% |
| U.S. Bank National Association | 258 | $4,609 | 6.750% |
| The Golden 1 | 242 | $3,917 | 7.750% |
| Bank of America, National Association | 225 | $4,937 | 6.240% |
| Crosscountry Mortgage, Inc. | 215 | $9,521 | 6.750% |