Mortgage lending in Napa, CA
1,993 mortgages were originated in the Napa, CA area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. 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
- Median loan amount
- $485,000
- Median 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.
| 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% |