Mortgage lenders in Napa County
1,993 mortgages were made in Napa County, California, in 2025, by 282 lenders. The median rate their borrowers got was 6.875% on a median loan of $475,000. Of 2,756 decisions, 610 were denials — 22.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| REDWOOD | 172 | 8.000% | $135,000 | 18.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 155 | 6.583% | $605,000 | 11.2% |
| Rocket Mortgage, LLC | 123 | 6.750% | $385,000 | 20.3% |
| GUARANTEED RATE, INC. | 79 | 6.600% | $555,000 | 10.6% |
| DHI MORTGAGE COMPANY, LTD. | 59 | 5.625% | $675,000 | 1.6% |
| Loandepot.Com, LLC | 55 | 6.375% | $685,000 | 16.2% |
| CMG MORTGAGE, INC. | 53 | 6.750% | $615,000 | 4.4% |
| Bank of America, National Association | 52 | 6.240% | $165,000 | 43.5% |
| U.S. Bank National Association | 48 | 6.490% | $540,000 | 29.2% |
| JPMorgan Chase Bank, National Association | 40 | 6.625% | $585,000 | 13.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 40 | 6.875% | $590,000 | 4.8% |
| PENNYMAC LOAN SERVICES, LLC | 36 | 6.562% | $560,000 | 12.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 35 | 6.875% | $525,000 | 5.4% |
| SPRING EQ, LLC | 32 | 9.463% | $150,000 | 57.7% |
| THE GOLDEN 1 | 31 | 7.750% | $205,000 | 43.3% |
| Wells Fargo Bank, National Association | 31 | 5.875% | $640,000 | 20.5% |
| Bank of Marin | 25 | Not published | $255,000 | 16.1% |
| TRAVIS CREDIT UNION | 24 | 7.240% | $105,000 | 7.7% |
| THE LOAN STORE, INC. | 21 | 6.625% | $545,000 | 21.2% |
| ALAMEDA MORTGAGE CORPORATION | 21 | 6.625% | $605,000 | 4.6% |
| BMO Bank National Association | 20 | 7.893% | $355,000 | 52.4% |
| STG MORTGAGE INC | 20 | 6.625% | $650,000 | 12.5% |
| TRIAD FINANCIAL SERVICES, INC. | 19 | 8.530% | $165,000 | 23.7% |
| NATIONSTAR MORTGAGE LLC | 19 | 8.500% | $105,000 | 32.1% |
| Umpqua Bank | 18 | 8.250% | $195,000 | 37.9% |
| Morgan Stanley Private Bank, National Association | 18 | 5.600% | $1,245,000 | 9.5% |
| Charles Schwab Bank, SSB | 18 | 5.438% | $1,015,000 | 10.0% |
| FIGURE LENDING LLC | 17 | 9.600% | $145,000 | 41.2% |
| NEWREZ LLC | 16 | 6.875% | $415,000 | 29.2% |
| Patelco Credit Union | 16 | 8.000% | $170,000 | 11.1% |
| QUORUM FEDERAL CREDIT UNION | 16 | 8.125% | $120,000 | 24.0% |
| Broker Solutions, Inc. | 13 | 6.875% | $605,000 | 13.3% |
| BETTER MORTGAGE CORPORATION | 13 | 7.125% | $385,000 | 17.7% |
| Commerce Home Mortgage, Inc. | 13 | 7.125% | $655,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 13 | 7.250% | $645,000 | 23.5% |
| EVERETT FINANCIAL, INC. | 12 | 6.938% | $545,000 | 7.7% |
| GUILD MORTGAGE COMPANY | 12 | 6.625% | $560,000 | 7.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 7.490% | $105,000 | 15.4% |
| OriginPoint, LLC | 11 | 7.000% | $625,000 | 14.3% |
| Fremont Bank | 11 | 8.250% | $255,000 | 26.7% |
| COMMUNITY FIRST CREDIT UNION | 11 | 7.500% | $155,000 | 0.0% |
| Navy Federal Credit Union | 10 | 8.000% | $255,000 | 37.5% |
| Mechanics Bank | 10 | 7.188% | $645,000 | 28.6% |
| INFINITY EQUITY GROUP, LLC. | 10 | 6.870% | $575,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 10 | 6.688% | $650,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 10 | 6.750% | $435,000 | 8.3% |
| Third Federal Savings and Loan Association of Cleveland | 9 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 33.3% |
| ENVOY MORTGAGE, LTD | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 63.6% |
| PACIFIC SERVICE CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Citibank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Synergy One Lending, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UBS Bank USA | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 36.8% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| USALLIANCE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FRANKLIN LOAN CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FIRE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 88.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 62.5% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 3 | Under 10 loans | Under 10 loans | 33.3% |
| FUNDLOANS CAPITAL | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGEONE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BANK OF STOCKTON | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 55.6% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 85.7% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 77.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 77.8% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Comerica Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY STRONG CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TECHNOLOGY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LANTZMAN MANAGEMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MACKILLIE INCORPORATED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunwest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Self-Help Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeStreet Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| City National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flanagan State Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Partners Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Boeing Employees Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5TH STREET CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Abundance 99, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LINKED HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 82 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Napa County
32 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Westamerica Bank | 6 | $272.7 million |
| Wells Fargo Bank, National Association | 4 | $770.3 million |
| BMO Bank National Association | 4 | $288.0 million |
| JPMorgan Chase Bank, National Association | 3 | $785.1 million |
| Bank of America, National Association | 3 | $746.9 million |
| Columbia Bank | 3 | $396.6 million |
| Bank of Marin | 2 | $345.6 million |
| Mechanics Bank | 2 | $205.7 million |
| Poppy Bank | 1 | $204.8 million |
| U.S. Bank National Association | 1 | $193.1 million |
| Farmers & Merchants Bank of Central California | 1 | $57.7 million |
| Bank of Stockton | 1 | $54.1 million |
| First-Citizens Bank & Trust Company | 1 | $20.2 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.