Applications / Mortgage Analytics / Lenders / California / Bank of Stockton
Stockton, CA · State non-member bank · FDIC · $4.8 billion assets · 178 loans in 2025
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178
loans originated, 2025
297
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Stockton is mainly a home-improvement lender, with 48.9% of its loans for home improvement, and lends far more in majority-minority neighbourhoods than similar lenders.
Home improvement made up 48.9% of its loans and other purposes 15.7%, while home purchase made up 12.9%, so it works more like a home-equity lender than a purchase lender. Similar lenders are state non-member banks making between half and twice as many loans. It had too few first-lien purchase or refinance applications to give a denial rate for them.
46.1% of its loans were in majority-minority tracts, against 6.2% for similar lenders, higher than about nineteen in twenty of them. Its home markets, Stockton-Lodi and Modesto, may hold many such tracts, which could explain much of the gap. Its share to LMI (low- and moderate-income) borrowers, 15.5%, is lower than the peers' 27.7% but up from 6.8%; local home prices may limit LMI buyers.
Originations fell 8% to 178, while similar lenders grew 10%, lower growth than more than four in five of them. It made 304 in 2020. Its $61.4 million in loans is still more than about three in four similar lenders made.
It ranks 46 of 323 in Modesto after its share rose 0.2 points to 0.4%, and 55 of 401 in Stockton-Lodi, where its share eased 0.1 points to 0.4%. It has served both since before 1990.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Stockton took 297 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 48.9% · Refinance 22.5% · Other 15.7% · Purchase 12.9%
Conventional 100.0% · of 178 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 175 | 98.3% |
| Montana | 1 | 0.6% |
| North Carolina | 1 | 0.6% |
| Nevada | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Stockton-Lodi | 82 |
| Modesto | 29 |
| Oakland-Fremont-Berkeley | 9 |
| Vallejo | 7 |
| Sacramento-Roseville-Folsom | 5 |
| Napa | 3 |
| Visalia | 3 |
| Salinas | 2 |
| San Francisco-San Mateo-Redwood City | 2 |
| Las Vegas-Henderson-North Las Vegas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900SRWC0U4V5XQ024 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 479268 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31536 | 1990–2017 |
Established 12 August 1867. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of Stockton's data.
Bank of Stockton's data
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Bank of Stockton and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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