Mortgage lending in Napa, CA

1,993 mortgages were originated in the Napa, CA area in 2025, and here is what they cost.

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.

Who lent here

Lenders with at least 50 loans in the Napa, CA area, ranked by volume.