Mortgage lending in Napa County
1,993 mortgages were originated in Napa County, California, in 2025.
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
- 1,993
- Median rate
- 6.875%
- Median lender fees
- $6,809
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
- $485,000
- Above the going rate (spread over APOR)
- 0.400
- Paid discount points
- 29.8%
- Received lender credits
- 23.3%
- Purchases / refinances
- 41.7% / 36.7%
- Conventional / FHA / VA
- 91.3% / 6.6% / 2.1%
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 63.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,017,750
- FHA limit
- $1,017,750
- Median home price
- $850,000
- That home, 20% down
- $680,000
A median-priced home with 20% down leaves $337,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Napa County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Redwood | 172 | $1,815 | 8.000% |
| United Shore Financial Services, LLC | 155 | $8,686 | 6.583% |
| Rocket Mortgage, LLC | 123 | $3,895 | 6.750% |
| Guaranteed Rate, Inc. | 79 | $6,861 | 6.600% |
| DHI Mortgage Company, Ltd. | 59 | $5,451 | 5.625% |
| Loandepot.Com, LLC | 55 | — | 6.375% |
| CMG Mortgage, Inc. | 53 | — | 6.750% |
| Bank of America, National Association | 52 | — | 6.240% |
What lenders charged here
Lender fees on a $485,000 loan, based on what was actually charged in Napa County — not a rule of thumb.
From 1,259 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers