Home purchase lenders in Napa County
832 home purchase mortgages were made in Napa County, California, in 2025, by 190 lenders. The median rate their borrowers got was 6.500% on a median loan of $635,000. Of 1,005 decisions, 120 were denials — 11.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 68 | 6.612% | $685,000 | 11.4% |
| DHI MORTGAGE COMPANY, LTD. | 59 | 5.625% | $675,000 | 1.6% |
| GUARANTEED RATE, INC. | 54 | 6.488% | $600,000 | 0.0% |
| Loandepot.Com, LLC | 41 | 6.125% | $715,000 | 4.7% |
| REDWOOD | 35 | 6.125% | $545,000 | 10.3% |
| Rocket Mortgage, LLC | 33 | 6.375% | $555,000 | 17.5% |
| CMG MORTGAGE, INC. | 32 | 6.750% | $680,000 | 5.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 28 | 6.750% | $610,000 | 3.5% |
| Wells Fargo Bank, National Association | 26 | 5.938% | $625,000 | 7.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 6.813% | $565,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 19 | 8.530% | $165,000 | 24.6% |
| JPMorgan Chase Bank, National Association | 19 | 6.625% | $685,000 | 5.0% |
| ALAMEDA MORTGAGE CORPORATION | 17 | 6.875% | $615,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 14 | 6.500% | $715,000 | 12.5% |
| U.S. Bank National Association | 13 | 6.125% | $925,000 | 13.3% |
| STG MORTGAGE INC | 12 | 6.625% | $680,000 | 7.7% |
| Morgan Stanley Private Bank, National Association | 12 | 5.725% | $740,000 | 0.0% |
| Charles Schwab Bank, SSB | 12 | 5.338% | $1,015,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 10 | 6.625% | $560,000 | 9.1% |
| THE LOAN STORE, INC. | 10 | 6.625% | $660,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| OriginPoint, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| INFINITY EQUITY GROUP, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Synergy One Lending, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 31.3% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| COMMUNITY FIRST CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRAVIS CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| THE GOLDEN 1 | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGEONE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NEWREZ LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bridge Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STAR ONE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BANK OF STOCKTON | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fremont Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunwest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Self-Help Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 95.2% |
| 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% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Umpqua Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Patelco Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 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% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 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% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SCHOOLSFIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VALLEY STRONG CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Vista Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE CAPITAL PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALL FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| San Mateo Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tri Counties Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC SERVICE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers & Merchants Bank of Central California | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| OAKTREE FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SECURITYNATIONAL MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| City National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 2549004XDCE3LGQW7H72 | 0 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| GOLDEN EMPIRE MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| First Northern Bank of Dixon | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Farm Credit Mid-America | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| STANFORD Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MLD MORTGAGE INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| GoPrime Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| QUORUM FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ONY GLO, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TOWNE MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Comerica Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Zions Bancorporation, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MARION AND POLK SCHOOLS CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST FLORIDA Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Pacific Premier Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Greenbox Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Get told when this changes
When the next year’s lending figures are out for Napa County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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. 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.