NAPA Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Napa averaged
6.97%
for the week of 2024-04-18, compared to the national average of
7.1% for the same period.
The average rate for the prior week (2024-04-11) was
6.45% and
one month ago for the week of 2024-03-14, the
average rate was 6.31%.
Napa's average rate one year ago was 5.94%.
For refis of the same type during the week of 2024-04-18, the average rate
was 7.5%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-04-18 | 7.1% |
| Napa 30 Year Fixed Rate | 2024-04-18 | 6.97% |
| Napa 30 Year Fixed Rate Refi | 2024-04-18 | 7.5% |
| Napa 15 Year Fixed Rate | 2024-04-18 | 6.19% |
| Napa 15 Year Fixed Rate Refi | 2024-04-18 | 6.49% |
| Napa 30 Year FHA | 2024-04-18 | 6.43% |
| Napa 30 Year FHA Refi | 2024-04-18 | 6.96% |
| Napa 30 Year USDA | 2024-04-18 | 6.86% |
| Napa 30 Year USDA Refi | 2024-04-18 | 6.66% |
| Napa 30 Year VA | 2024-04-18 | 6.86% |
| Napa 30 Year VA Refi | 2024-04-18 | 6.76% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within NAPA, CA.
NAPA Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the NAPA, CA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
NAPA Average Closing Costs & Other Stats
NAPA, CA's 111 lenders originated 1,584
loans during 2023. The total origination value was $851,960,000, with an average loan value of
$537,854.
NAPA's average closing costs are $6,504.
The top NAPA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
79 loans originated. Their average total fees are
$10,668, which is $87
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee NAPA lenders (with over 10 loans originated) are
REDWOOD ($4,567), First Republic Bank ($4,583), Morgan Stanley Private Bank ($5,503), DHI MORTGAGE COMPANY, LTD. ($5,841) and U.S. Bank ($6,115).
The lowest rate NAPA lenders (with over 10 loans originated) are
First Republic Bank (4.84%), Morgan Stanley Private Bank (5.60%), DHI MORTGAGE COMPANY, LTD. (5.77%), Wells Fargo Bank (6.07%) and BMO Harris Bank (6.13%).
NAPA, CA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $103,075,000 | $69,415,000 | -32.7% | 8.1% |
| JPMorgan Chase Bank | $70,380,000 | $53,565,000 | -23.9% | 6.3% |
| DHI MORTGAGE COMPANY, LTD. | $48,195,000 | n/a | 5.7% | |
| QUICKEN LOANS, LLC | $73,165,000 | $41,385,000 | -43.4% | 4.9% |
| First Republic Bank | $297,025,000 | $39,240,000 | -86.8% | 4.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $19,940,000 | $37,355,000 | 87.3% | 4.4% |
| Wells Fargo Bank | $75,200,000 | $32,550,000 | -56.7% | 3.8% |
| REDWOOD | $42,215,000 | $32,485,000 | -23.0% | 3.8% |
| Morgan Stanley Private Bank | $23,750,000 | $25,000,000 | 5.3% | 2.9% |
| Bank of America | $61,970,000 | $23,240,000 | -62.5% | 2.7% |
| U.S. Bank | $51,345,000 | $18,025,000 | -64.9% | 2.1% |
| CMG MORTGAGE, INC. | $7,160,000 | $16,300,000 | 127.7% | 1.9% |
| BMO Harris Bank | $3,005,000 | $15,830,000 | 426.8% | 1.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $32,205,000 | $15,490,000 | -51.9% | 1.8% |
| GUARANTEED RATE, INC. | $15,770,000 | $12,505,000 | -20.7% | 1.5% |
| UBS Bank USA | $17,725,000 | $11,530,000 | -35.0% | 1.4% |
| Mechanics Bank | $13,380,000 | $11,490,000 | -14.1% | 1.3% |
| Citibank | $43,705,000 | $10,615,000 | -75.7% | 1.2% |
| ALAMEDA MORTGAGE CORPORATION | $525,000 | $10,565,000 | 1,912.4% | 1.2% |
| Umpqua Bank | $47,655,000 | $8,835,000 | -81.5% | 1.0% |
| CARDINAL FINANCIAL | $7,550,000 | $8,655,000 | 14.6% | 1.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $38,990,000 | $8,370,000 | -78.5% | 1.0% |
| Flagstar Bank, FSB | $67,475,000 | $8,165,000 | -87.9% | 1.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $7,045,000 | $6,935,000 | -1.6% | 0.8% |
| TRAVIS CREDIT UNION | $7,930,000 | $6,850,000 | -13.6% | 0.8% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $10,655,000 | $6,240,000 | -41.4% | 0.7% |
| Commerce Home Mortgage, Inc. | $30,485,000 | $6,200,000 | -79.7% | 0.7% |
| Stifel Bank and Trust | $3,340,000 | $6,035,000 | 80.7% | 0.7% |
| PNC Bank | $16,065,000 | $5,610,000 | -65.1% | 0.7% |
| FINANCE OF AMERICA REVERSE LLC | $21,405,000 | $5,130,000 | -76.0% | 0.6% |
| Goldman Sachs Bank USA | $12,110,000 | $5,005,000 | -58.7% | 0.6% |
| LOANDEPOT.COM, LLC | $28,315,000 | $4,790,000 | -83.1% | 0.6% |
| HOMEXPRESS MORTGAGE CORP. | $8,055,000 | $4,690,000 | -41.8% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $11,390,000 | $4,620,000 | -59.4% | 0.5% |
| First-Citizens Bank & Trust Company | $555,000 | $4,605,000 | 729.7% | 0.5% |
| The Loan Store, Inc. | $4,530,000 | n/a | 0.5% | |
| Charles Schwab Bank, SSB | $26,835,000 | $4,495,000 | -83.2% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $2,830,000 | $4,455,000 | 57.4% | 0.5% |
| LENDINGHOME FUNDING CORPORATION | $5,345,000 | $4,375,000 | -18.1% | 0.5% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $3,530,000 | $4,365,000 | 23.7% | 0.5% |
| Axos Bank | $3,310,000 | $4,305,000 | 30.1% | 0.5% |
| CHEVRON | $3,395,000 | $4,295,000 | 26.5% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $9,295,000 | $4,230,000 | -54.5% | 0.5% |
| OCMBC, INC. | $4,160,000 | n/a | 0.5% | |
| TRIAD FINANCIAL SERVICES, INC. | $2,505,000 | $4,055,000 | 61.9% | 0.5% |
| The Huntington National Bank | $3,615,000 | $4,005,000 | 10.8% | 0.5% |
| Comerica Bank | $1,945,000 | $3,415,000 | 75.6% | 0.4% |
| BROKER SOLUTIONS, INC. | $3,635,000 | $3,355,000 | -7.7% | 0.4% |
| EVERETT FINANCIAL, INC. | $20,150,000 | $3,295,000 | -83.6% | 0.4% |
| LONGBRIDGE FINANCIAL, LLC | $1,625,000 | $3,245,000 | 99.7% | 0.4% |
| The Northern Trust Company | $8,465,000 | $3,235,000 | -61.8% | 0.4% |
| City National Bank | $2,915,000 | $3,030,000 | 3.9% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $8,995,000 | $2,950,000 | -67.2% | 0.3% |
| Mortgage Research Center, LLC | $4,805,000 | $2,895,000 | -39.8% | 0.3% |
| RESIDENTIAL BANCORP | $950,000 | $2,805,000 | 195.3% | 0.3% |
| ALLIANT CREDIT UNION | $2,760,000 | $2,700,000 | -2.2% | 0.3% |
| Bank of the West | $26,635,000 | $2,685,000 | -89.9% | 0.3% |
| SUN WEST MORTGAGE COMPANY, INC. | $635,000 | $2,625,000 | 313.4% | 0.3% |
| Bank of Marin | $8,635,000 | $2,600,000 | -69.9% | 0.3% |
| Golden Empire Mortgage, Inc. | $855,000 | $2,570,000 | 200.6% | 0.3% |
| ARC HOME LLC | $2,485,000 | n/a | 0.3% | |
| DEEPHAVEN MORTGAGE LLC | $2,475,000 | n/a | 0.3% | |
| MidFirst Bank | $505,000 | $2,475,000 | 390.1% | 0.3% |
| River City Bank | $2,405,000 | n/a | 0.3% | |
| THE GOLDEN 1 | $7,640,000 | $2,380,000 | -68.8% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $1,500,000 | $2,360,000 | 57.3% | 0.3% |
| 21ST MORTGAGE CORPORATION | $2,425,000 | $2,350,000 | -3.1% | 0.3% |
| First Bank | $1,280,000 | $2,285,000 | 78.5% | 0.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,820,000 | $2,160,000 | 18.7% | 0.3% |
| FREEDOM MORTGAGE CORPORATION | $4,075,000 | $2,060,000 | -49.4% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $25,555,000 | $2,050,000 | -92.0% | 0.2% |
| Merchants Mortgage & Trust Corporation | $335,000 | $2,050,000 | 511.9% | 0.2% |
| FOUNDATION MORTGAGE CORPORATION | $1,965,000 | n/a | 0.2% | |
| Sierra Pacific Mortgage Company, Inc. | $2,755,000 | $1,945,000 | -29.4% | 0.2% |
| AmeriHome Mortgage Company, LLC | $525,000 | $1,930,000 | 267.6% | 0.2% |
| AMWEST FUNDING CORP. | $2,745,000 | $1,855,000 | -32.4% | 0.2% |
| GENEVA FINANCIAL, LLC | $3,690,000 | $1,830,000 | -50.4% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $2,835,000 | $1,790,000 | -36.9% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $3,060,000 | $1,650,000 | -46.1% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $3,095,000 | $1,650,000 | -46.7% | 0.2% |
| SUMMIT FUNDING, INC. | $4,985,000 | $1,595,000 | -68.0% | 0.2% |
| Bethpage Federal Credit Union | $1,695,000 | $1,555,000 | -8.3% | 0.2% |
| CALIBER HOME LOANS, INC. | $16,870,000 | $1,465,000 | -91.3% | 0.2% |
| LAND HOME FINANCIAL SERVICES, INC. | $295,000 | $1,465,000 | 396.6% | 0.2% |
| CIBC Bank USA | $1,445,000 | n/a | 0.2% | |
| A&D Mortgage LLC | $305,000 | $1,390,000 | 355.7% | 0.2% |
| NMSI, INC. | $1,620,000 | $1,390,000 | -14.2% | 0.2% |
| GUILD MORTGAGE COMPANY | $2,990,000 | $1,370,000 | -54.2% | 0.2% |
| GREAT LAKES | $1,345,000 | n/a | 0.2% | |
| Tri Counties Bank | $975,000 | $1,330,000 | 36.4% | 0.2% |
| STAR ONE CREDIT UNION | $1,480,000 | $1,300,000 | -12.2% | 0.2% |
| Citizens Bank | $3,640,000 | $1,285,000 | -64.7% | 0.2% |
| LENDSURE MORTGAGE CORP. | $945,000 | $1,280,000 | 35.4% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $9,500,000 | $1,240,000 | -86.9% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $1,280,000 | $1,235,000 | -3.5% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $1,220,000 | n/a | 0.1% | |
| Truist | $1,705,000 | $1,205,000 | -29.3% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $1,675,000 | $1,200,000 | -28.4% | 0.1% |
| FIRST TECHNOLOGY | $770,000 | $1,185,000 | 53.9% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $3,335,000 | $1,180,000 | -64.6% | 0.1% |
| LADERA LENDING, INC. | $1,985,000 | $1,140,000 | -42.6% | 0.1% |
| General Mortgage Capital Corporation | $1,915,000 | $1,120,000 | -41.5% | 0.1% |
| Vellum Mortgage, Inc. | $1,110,000 | n/a | 0.1% | |
| NEWREZ LLC | $9,265,000 | $1,020,000 | -89.0% | 0.1% |
| Provident Credit Union | $1,910,000 | $1,020,000 | -46.6% | 0.1% |
| MICHIGAN MUTUAL, INC. | $415,000 | $1,015,000 | 144.6% | 0.1% |
| Fremont Bank | $13,800,000 | $1,010,000 | -92.7% | 0.1% |
| LOANPAL, LLC | $1,300,000 | $995,000 | -23.5% | 0.1% |
| Figure Lending LLC | $1,990,000 | $980,000 | -50.8% | 0.1% |
| Discover Bank | $775,000 | $940,000 | 21.3% | 0.1% |
| AXIA FINANCIAL, LLC | $545,000 | $935,000 | 71.6% | 0.1% |
| SILVER HILL FUNDING, LLC | $885,000 | n/a | 0.1% | |
| COMMUNITY FIRST CREDIT UNION | $1,775,000 | $865,000 | -51.3% | 0.1% |
| SPRING EQ, LLC | $2,870,000 | $845,000 | -70.6% | 0.1% |
| GEORGIA'S OWN | $1,995,000 | $800,000 | -59.9% | 0.1% |
| Exchange Bank | $2,510,000 | $785,000 | -68.7% | 0.1% |
| Carrington Mortgage Services, LLC | $425,000 | $780,000 | 83.5% | 0.1% |
| ADVANCIAL | $1,070,000 | $765,000 | -28.5% | 0.1% |
| FUNDLOANS CAPITAL | $4,205,000 | $755,000 | -82.0% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $620,000 | $750,000 | 21.0% | 0.1% |
| STANFORD Federal Credit Union | $1,635,000 | $745,000 | -54.4% | 0.1% |
| LOGIX FEDERAL CREDIT UNION | $1,005,000 | $725,000 | -27.9% | 0.1% |
| ST FIN CORP | $725,000 | n/a | 0.1% | |
| 1st Security Bank of Washington | $2,585,000 | $715,000 | -72.3% | 0.1% |
| CALTECH EMPLOYEES FEDERAL CREDIT UNION | $665,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $2,935,000 | $660,000 | -77.5% | 0.1% |
| Ally Bank | $920,000 | $655,000 | -28.8% | 0.1% |
| BAY EQUITY LLC | $635,000 | $655,000 | 3.1% | 0.1% |
| Hometown Equity Mortgage, LLC | $655,000 | n/a | 0.1% | |
| AHL FUNDING | $345,000 | $645,000 | 87.0% | 0.1% |
| MACKILLIE INCORPORATED | $645,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $1,015,000 | $645,000 | -36.5% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $1,160,000 | $635,000 | -45.3% | 0.1% |
| PATELCO | $3,430,000 | $630,000 | -81.6% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $615,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $605,000 | n/a | 0.1% | |
| North Coast Financial, Inc. | $595,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $1,150,000 | $585,000 | -49.1% | 0.1% |
| Equity Prime Mortgage LLC | $555,000 | n/a | 0.1% | |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $555,000 | n/a | 0.1% | |
| Franklin Loan Corporation | $1,600,000 | $545,000 | -65.9% | 0.1% |
| MONARCH FUNDING CORP. | $535,000 | n/a | 0.1% | |
| SEA WEST COAST GUARD FEDERAL CREDIT UNION | $1,565,000 | $535,000 | -65.8% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $525,000 | n/a | 0.1% | |
| HomeTrust Bank | $155,000 | $490,000 | 216.1% | 0.1% |
| Coastal Community Bank | $455,000 | n/a | 0.1% | |
| CIS Financial Services, Inc. | $430,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $615,000 | $425,000 | -30.9% | 0.0% |
| American Airlines Federal Credit Union | $405,000 | n/a | 0.0% | |
| EQUITY WAVE LENDING, INC. | $405,000 | n/a | 0.0% | |
| Luther Burbank Savings | $1,005,000 | $395,000 | -60.7% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $425,000 | $355,000 | -16.5% | 0.0% |
| PHH Mortgage Corporation | $1,545,000 | $355,000 | -77.0% | 0.0% |
| V.I.P. MORTGAGE, INC. | $1,040,000 | $355,000 | -65.9% | 0.0% |
| ON Q FINANCIAL, INC. | $335,000 | n/a | 0.0% | |
| Operating Engineers Local Union #3 | $570,000 | $335,000 | -41.2% | 0.0% |
| 1ST UNITED SERVICES CREDIT UNION | $210,000 | $325,000 | 54.8% | 0.0% |
| PACIFIC SERVICE | $935,000 | $320,000 | -65.8% | 0.0% |
| MERIWEST | $315,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $315,000 | n/a | 0.0% | |
| HomeStreet Bank | $2,025,000 | $310,000 | -84.7% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $275,000 | $305,000 | 10.9% | 0.0% |
| USAlliance Federal Credit Union | $305,000 | n/a | 0.0% | |
| CORNERSTONE HOME LENDING, INC. | $285,000 | n/a | 0.0% | |
| Alaska USA Federal Credit Union | $655,000 | $270,000 | -58.8% | 0.0% |
| BRIDGELOCK CAPITAL | $255,000 | n/a | 0.0% | |
| SAN FRANCISCO FIRE CREDIT UNION | $940,000 | $255,000 | -72.9% | 0.0% |
| KINECTA | $195,000 | $245,000 | 25.6% | 0.0% |
| SCHOOLSFIRST | $1,405,000 | $240,000 | -82.9% | 0.0% |
| Firefighters First Federal Credit Union | $105,000 | $220,000 | 109.5% | 0.0% |
| Zions Bank | $6,965,000 | $215,000 | -96.9% | 0.0% |
| CITIZENS EQUITY FIRST | $210,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $370,000 | $195,000 | -47.3% | 0.0% |
| TECHNOLOGY | $1,395,000 | $180,000 | -87.1% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $3,480,000 | $160,000 | -95.4% | 0.0% |
| Connexus Credit Union | $95,000 | n/a | 0.0% | |
| JMJ FINANCIAL GROUP | $605,000 | $95,000 | -84.3% | 0.0% |
| FIRST U.S. COMMUNITY CREDIT UNION | $505,000 | $75,000 | -85.1% | 0.0% |
| INTELLILOAN, INC. | $55,000 | $75,000 | 36.4% | 0.0% |
| Prosperity Home Mortgage, LLC | $75,000 | n/a | 0.0% | |
| SAFE CREDIT UNION | $835,000 | $75,000 | -91.0% | 0.0% |
| COMMUNITY MORTGAGE FUNDING, LLC | $65,000 | n/a | 0.0% | |
| UNCLE Credit Union | $55,000 | n/a | 0.0% | |
| LOS ANGELES POLICE Federal Credit Union | $45,000 | n/a | 0.0% | |
| WESCOM CENTRAL CREDIT UNION | $45,000 | n/a | 0.0% |
NAPA's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 8.1% market share. In second place, with 6.3%, is JPMorgan Chase Bank, having originated $53,565,000 in loans. In third place, with 5.7%, is DHI MORTGAGE COMPANY, LTD., having originated $48,195,000 in loans. In fourth place, with 4.9%, is QUICKEN LOANS, LLC, having originated $41,385,000 in loans. In fifth place, with 4.6%, is First Republic Bank, having originated $39,240,000 in loans.
NAPA Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - NAPA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $844,000 (-5.9%) | $1,886,352 (6.0%) | 0.00 | 200 |
| 2018-02-01 | $849,500 (-6.4%) | $1,913,916 (5.9%) | 0.00 | 191 |
| 2018-03-01 | $850,000 (-10.1%) | $1,991,263 (1.9%) | 0.00 | 236 |
| 2018-04-01 | $990,162 (10.6%) | $2,127,186 (6.5%) | 0.00 | 262 |
| 2018-05-01 | $999,975 (11.7%) | $2,159,162 (9.7%) | 0.00 | 320 |
| 2018-06-01 | $1,047,000 (18.6%) | $2,174,341 (4.8%) | 0.00 | 364 |
| 2018-07-01 | $975,000 (8.5%) | $2,129,334 (1.9%) | 0.00 | 387 |
| 2018-08-01 | $912,250 (-0.3%) | $2,076,468 (7.5%) | 0.00 | 380 |
| 2018-09-01 | $925,000 (0.1%) | $2,043,682 (1.0%) | 0.00 | 409 |
| 2018-10-01 | $942,000 (6.2%) | $2,121,273 (1.5%) | 0.00 | 409 |
| 2018-11-01 | $915,375 (7.7%) | $2,018,274 (-2.8%) | 0.00 | 384 |
| 2018-12-01 | $895,000 (5.3%) | $1,847,420 (-8.0%) | 0.00 | 316 |
| 2019-01-01 | $857,000 (1.5%) | $1,705,471 (-9.6%) | 0.00 | 283 |
| 2019-02-01 | $849,713 (0.0%) | $1,667,051 (-12.9%) | 0.00 | 293 |
| 2019-03-01 | $883,186 (3.9%) | $1,788,017 (-10.2%) | 0.00 | 332 |
| 2019-04-01 | $944,750 (-4.6%) | $2,109,283 (-0.8%) | 0.00 | 363 |
| 2019-05-01 | $1,022,500 (2.3%) | $2,216,608 (2.7%) | 0.00 | 439 |
| 2019-06-01 | $998,250 (-4.7%) | $2,239,144 (3.0%) | 0.00 | 465 |
| 2019-07-01 | $970,000 (-0.5%) | $2,169,653 (1.9%) | 0.00 | 475 |
| 2019-08-01 | $949,000 (4.0%) | $2,182,085 (5.1%) | 0.00 | 475 |
| 2019-09-01 | $949,000 (2.6%) | $2,208,080 (8.0%) | 0.00 | 478 |
| 2019-10-01 | $949,000 (0.7%) | $2,251,477 (6.1%) | 0.00 | 477 |
| 2019-11-01 | $973,000 (6.3%) | $2,406,471 (19.2%) | 0.00 | 414 |
| 2019-12-01 | $948,944 (6.0%) | $2,368,169 (28.2%) | 0.00 | 312 |
| 2020-01-01 | $995,000 (16.1%) | $2,287,673 (34.1%) | 0.00 | 243 |
| 2020-02-01 | $995,000 (17.1%) | $2,234,091 (34.0%) | 0.00 | 284 |
| 2020-03-01 | $1,066,750 (20.8%) | $2,279,116 (27.5%) | 0.00 | 333 |
| 2020-04-01 | $987,000 (4.5%) | $2,181,249 (3.4%) | 0.00 | 301 |
| 2020-05-01 | $989,900 (-3.2%) | $2,114,283 (-4.6%) | 0.00 | 392 |
| 2020-06-01 | $1,091,250 (9.3%) | $2,227,204 (-0.5%) | 0.00 | 382 |
| 2020-07-01 | $1,153,750 (18.9%) | $2,313,455 (6.6%) | 0.00 | 376 |
| 2020-08-01 | $1,260,000 (32.8%) | $2,409,199 (10.4%) | 0.00 | 322 |
| 2020-09-01 | $1,296,000 (36.6%) | $2,693,072 (22.0%) | 0.00 | 310 |
| 2020-10-01 | $1,300,000 (37.0%) | $2,620,806 (16.4%) | 0.00 | 306 |
| 2020-11-01 | $1,323,500 (36.0%) | $2,795,898 (16.2%) | 0.00 | 298 |
| 2020-12-01 | $1,347,250 (42.0%) | $2,771,920 (17.1%) | 0.00 | 238 |
| 2021-01-01 | $1,295,000 (30.2%) | $2,704,442 (18.2%) | 0.00 | 218 |
| 2021-02-01 | $1,296,250 (30.3%) | $2,912,672 (30.4%) | 0.00 | 213 |
| 2021-03-01 | $1,359,750 (27.5%) | $2,902,895 (27.4%) | 0.00 | 220 |
| 2021-04-01 | $1,310,000 (32.7%) | $2,956,612 (35.6%) | 0.00 | 226 |
| 2021-05-01 | $1,395,000 (40.9%) | $3,138,336 (48.4%) | 0.00 | 239 |
| 2021-06-01 | $1,364,750 (25.1%) | $3,105,959 (39.5%) | 0.00 | 276 |
| 2021-07-01 | $1,295,000 (12.2%) | $3,118,514 (34.8%) | 0.00 | 282 |
| 2021-08-01 | $1,250,000 (-0.8%) | $3,004,202 (24.7%) | 0.00 | 274 |
| 2021-09-01 | $1,299,000 (0.2%) | $3,022,437 (12.2%) | 0.00 | 272 |
| 2021-10-01 | $1,250,000 (-3.9%) | $2,973,927 (13.5%) | 0.00 | 269 |
| 2021-11-01 | $1,342,000 (1.4%) | $3,342,329 (19.5%) | 0.00 | 207 |
| 2021-12-01 | $1,490,000 (10.6%) | $3,434,267 (23.9%) | 0.00 | 158 |
| 2022-01-01 | $1,499,500 (15.8%) | $3,122,800 (15.5%) | 0.00 | 129 |
| 2022-02-01 | $1,499,250 (15.7%) | $3,124,545 (7.3%) | 0.00 | 144 |
| 2022-03-01 | $1,695,500 (24.7%) | $3,483,337 (20.0%) | 0.00 | 168 |
| 2022-04-01 | $1,599,000 (22.1%) | $3,420,415 (15.7%) | 0.00 | 194 |
| 2022-05-01 | $1,642,000 (17.7%) | $3,447,090 (9.8%) | 0.00 | 215 |
| 2022-06-01 | $1,572,500 (15.2%) | $3,540,751 (14.0%) | 0.00 | 217 |
| 2022-07-01 | $1,489,500 (15.0%) | $3,357,098 (7.7%) | 0.00 | 246 |
| 2022-08-01 | $1,497,250 (19.8%) | $3,399,639 (13.2%) | 0.00 | 273 |
| 2022-09-01 | $1,382,500 (6.4%) | $3,266,821 (8.1%) | 0.00 | 285 |
| 2022-10-01 | $1,345,000 (7.6%) | $3,277,188 (10.2%) | 0.00 | 293 |
| 2022-11-01 | $1,395,000 (4.0%) | $3,104,419 (-7.1%) | 0.00 | 272 |
| 2022-12-01 | $1,341,525 (-10.0%) | $2,946,809 (-14.2%) | 0.00 | 213 |
| 2023-01-01 | $1,225,000 (-18.3%) | $2,979,610 (-4.6%) | 0.00 | 173 |
| 2023-02-01 | $1,409,250 (-6.0%) | $3,028,674 (-3.1%) | 0.00 | 182 |
| 2023-03-01 | $1,485,500 (-12.4%) | $3,207,923 (-7.9%) | 0.00 | 186 |
| 2023-04-01 | $1,650,000 (3.2%) | $3,248,354 (-5.0%) | 0.00 | 211 |
| 2023-05-01 | $1,788,500 (8.9%) | $3,260,522 (-5.4%) | 0.00 | 245 |
| 2023-06-01 | $1,697,500 (8.0%) | $3,283,085 (-7.3%) | 0.00 | 264 |
| 2023-07-01 | $1,697,000 (13.9%) | $3,196,750 (-4.8%) | 0.00 | 275 |
| 2023-08-01 | $1,650,000 (10.2%) | $2,968,384 (-12.7%) | 0.00 | 269 |
| 2023-09-01 | $1,590,000 (15.0%) | $3,151,906 (-3.5%) | 0.00 | 311 |
| 2023-10-01 | $1,566,250 (16.5%) | $3,118,966 (-4.8%) | 0.00 | 319 |
| 2023-11-01 | $1,512,500 (8.4%) | $3,156,117 (1.7%) | 0.00 | 297 |
| 2023-12-01 | $1,499,000 (11.7%) | $3,100,087 (5.2%) | 0.00 | 222 |
| 2024-01-01 | $1,425,000 (16.3%) | $3,089,103 (3.7%) | 0.00 | 193 |
| 2024-02-01 | $1,449,500 (2.9%) | $3,014,527 (-0.5%) | 0.00 | 190 |
| 2024-03-01 | $1,562,000 (5.2%) | $3,022,193 (-5.8%) | 0.00 | 219 |
NAPA's median listing price for 2024-03-01 was $1,562,000, a difference of
$76,500
(5.2%) versus the prior year and
$112,500 versus the prior month.
NAPA's median listing price comes in at 0% of the national average.
NAPA's average listing price for 2024-03-01 was $3,022,193, a difference of $-185,730 (-5.8%) versus the prior year and $7,666 versus the prior month.
For the 2024-03-01 period, NAPA had 219 MLS listings, a difference of 29 listings (15%) versus the prior month and 33 listings (18%) versus the prior year.
NAPA's median listing price comes in at 0% of the national average.
NAPA's average listing price for 2024-03-01 was $3,022,193, a difference of $-185,730 (-5.8%) versus the prior year and $7,666 versus the prior month.
For the 2024-03-01 period, NAPA had 219 MLS listings, a difference of 29 listings (15%) versus the prior month and 33 listings (18%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - NAPA (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,934 sqft |
| 2018-02-01 | 0 days | 1,895 sqft |
| 2018-03-01 | 0 days | 1,953 sqft |
| 2018-04-01 | 0 days | 2,063 sqft |
| 2018-05-01 | 0 days | 2,062 sqft |
| 2018-06-01 | 0 days | 2,104 sqft |
| 2018-07-01 | 0 days | 2,034 sqft |
| 2018-08-01 | 0 days | 2,016 sqft |
| 2018-09-01 | 0 days | 2,044 sqft |
| 2018-10-01 | 0 days | 2,063 sqft |
| 2018-11-01 | 0 days | 1,967 sqft |
| 2018-12-01 | 0 days | 1,949 sqft |
| 2019-01-01 | 0 days | 1,897 sqft |
| 2019-02-01 | 0 days | 1,899 sqft |
| 2019-03-01 | 0 days | 1,965 sqft |
| 2019-04-01 | 0 days | 2,089 sqft |
| 2019-05-01 | 0 days | 2,126 sqft |
| 2019-06-01 | 0 days | 2,116 sqft |
| 2019-07-01 | 0 days | 2,016 sqft |
| 2019-08-01 | 0 days | 1,989 sqft |
| 2019-09-01 | 0 days | 1,975 sqft |
| 2019-10-01 | 0 days | 1,958 sqft |
| 2019-11-01 | 0 days | 2,024 sqft |
| 2019-12-01 | 0 days | 2,034 sqft |
| 2020-01-01 | 0 days | 2,088 sqft |
| 2020-02-01 | 0 days | 2,054 sqft |
| 2020-03-01 | 0 days | 2,074 sqft |
| 2020-04-01 | 0 days | 2,047 sqft |
| 2020-05-01 | 0 days | 2,000 sqft |
| 2020-06-01 | 0 days | 2,086 sqft |
| 2020-07-01 | 0 days | 2,115 sqft |
| 2020-08-01 | 0 days | 2,159 sqft |
| 2020-09-01 | 0 days | 2,168 sqft |
| 2020-10-01 | 0 days | 2,138 sqft |
| 2020-11-01 | 0 days | 2,180 sqft |
| 2020-12-01 | 0 days | 2,073 sqft |
| 2021-01-01 | 0 days | 2,112 sqft |
| 2021-02-01 | 0 days | 2,018 sqft |
| 2021-03-01 | 0 days | 2,114 sqft |
| 2021-04-01 | 0 days | 2,128 sqft |
| 2021-05-01 | 0 days | 2,036 sqft |
| 2021-06-01 | 0 days | 2,038 sqft |
| 2021-07-01 | 0 days | 2,016 sqft |
| 2021-08-01 | 0 days | 2,113 sqft |
| 2021-09-01 | 0 days | 2,149 sqft |
| 2021-10-01 | 0 days | 2,037 sqft |
| 2021-11-01 | 0 days | 2,129 sqft |
| 2021-12-01 | 0 days | 2,087 sqft |
| 2022-01-01 | 0 days | 2,092 sqft |
| 2022-02-01 | 0 days | 2,112 sqft |
| 2022-03-01 | 0 days | 2,224 sqft |
| 2022-04-01 | 0 days | 2,166 sqft |
| 2022-05-01 | 0 days | 2,141 sqft |
| 2022-06-01 | 0 days | 2,099 sqft |
| 2022-07-01 | 0 days | 2,068 sqft |
| 2022-08-01 | 0 days | 2,137 sqft |
| 2022-09-01 | 0 days | 2,080 sqft |
| 2022-10-01 | 0 days | 2,026 sqft |
| 2022-11-01 | 0 days | 2,088 sqft |
| 2022-12-01 | 0 days | 2,067 sqft |
| 2023-01-01 | 0 days | 2,071 sqft |
| 2023-02-01 | 0 days | 2,119 sqft |
| 2023-03-01 | 0 days | 2,190 sqft |
| 2023-04-01 | 0 days | 2,276 sqft |
| 2023-05-01 | 0 days | 2,371 sqft |
| 2023-06-01 | 0 days | 2,345 sqft |
| 2023-07-01 | 0 days | 2,354 sqft |
| 2023-08-01 | 0 days | 2,310 sqft |
| 2023-09-01 | 0 days | 2,177 sqft |
| 2023-10-01 | 0 days | 2,206 sqft |
| 2023-11-01 | 0 days | 2,200 sqft |
| 2023-12-01 | 0 days | 2,090 sqft |
| 2024-01-01 | 0 days | 2,012 sqft |
| 2024-02-01 | 0 days | 2,063 sqft |
| 2024-03-01 | 0 days | 2,099 sqft |
NAPA's median listing age (time on market) for 2024-03-01 was 0 days.
NAPA's median square footage for active listings during the 2024-03-01 period was 2,099 sqft. One year prior, the average listing was 2,190 sqft.
NAPA's median square footage for active listings during the 2024-03-01 period was 2,099 sqft. One year prior, the average listing was 2,190 sqft.
NAPA, CA Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 94503 | Napa, CA MSA | $1,720 | $1,950 | $2,570 | $3,540 | $3,590 |
| 94508 | Napa, CA MSA | $1,520 | $1,730 | $2,280 | $3,140 | $3,180 |
| 94515 | Napa, CA MSA | $1,330 | $1,510 | $1,990 | $2,740 | $2,850 |
| 94534 | Napa, CA MSA | $1,930 | $2,190 | $2,650 | $3,770 | $4,410 |
| 94558 | Napa, CA MSA | $1,640 | $1,860 | $2,450 | $3,370 | $3,420 |
| 94559 | Napa, CA MSA | $1,520 | $1,720 | $2,270 | $3,130 | $3,170 |
| 94562 | Napa, CA MSA | $1,600 | $1,820 | $2,390 | $3,290 | $3,330 |
| 94567 | Napa, CA MSA | $1,540 | $1,750 | $2,300 | $3,170 | $3,210 |
| 94573 | Napa, CA MSA | $1,620 | $1,840 | $2,420 | $3,340 | $3,380 |
| 94574 | Napa, CA MSA | $1,600 | $1,820 | $2,390 | $3,290 | $3,330 |
| 94576 | Napa, CA MSA | $1,600 | $1,820 | $2,390 | $3,290 | $3,330 |
| 94581 | Napa, CA MSA | $1,600 | $1,820 | $2,390 | $3,290 | $3,330 |
| 94589 | Napa, CA MSA | $1,430 | $1,630 | $1,970 | $2,800 | $3,280 |
| 94591 | Napa, CA MSA | $1,380 | $1,560 | $1,950 | $2,690 | $3,140 |
| 94599 | Napa, CA MSA | $1,750 | $1,990 | $2,620 | $3,610 | $3,660 |
| 95461 | Napa, CA MSA | $1,570 | $1,780 | $2,340 | $3,230 | $3,340 |
| 95476 | Napa, CA MSA | $1,460 | $1,640 | $2,160 | $2,970 | $3,220 |
2022 Average & Median Rent Data Statistics
NAPA, CA average 1BR rent: $1,790, median: $1,820
NAPA, CA average 2BR rent: $2,325, median: $2,390
NAPA, CA average 3BR rent: $3,215, median: $3,290
NAPA, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 781 | $537,805,000 | $688,611 |
| Home Improvement | 251 | $46,745,000 | $186,235 |
| Other | 218 | $83,440,000 | $382,752 |
| Cash Out Refi | 210 | $102,430,000 | $487,762 |
| Refi | 124 | $81,540,000 | $657,581 |
Napa's most frequently cited loan purpose was Home Purchase, with 781 originations. The 2nd most popular reason was Home Improvement, with 251 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 469 | $258,725,000 | $551,652 |
| Over 8% | 426 | $118,450,000 | $278,052 |
| 7-8% | 320 | $153,580,000 | $479,938 |
| 5-6% | 284 | $251,400,000 | $885,211 |
| 4-5% | 40 | $50,410,000 | $1,260,250 |
| <2.5% | 13 | $1,795,000 | $138,077 |
| 3-4% | 11 | $11,185,000 | $1,016,818 |
During 2023, Napa's most frequently originated rate bucket was 6-7%, with 469 originations.
Loan Sizing (NAPA, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $600k-1000k | 376 | $273,710,000 | $727,952 |
| $400k-600k | 304 | $152,900,000 | $502,961 |
| $200k-400k | 270 | $75,210,000 | $278,556 |
| $100k-200k | 253 | $34,585,000 | $136,700 |
| $100,000 or less | 218 | $13,470,000 | $61,789 |
| $Over $1MM | 163 | $302,085,000 | $1,853,282 |
NAPA's loan sizing saw the bucket of loans from $600k-1000k with 376 originations, totaling $273,710,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| Under 20% | 443 | $59,435,000 | $134,165 |
| 80-100% | 386 | $274,560,000 | $711,295 |
| 60-80% | 331 | $281,165,000 | $849,441 |
| 20-40% | 231 | $100,895,000 | $436,775 |
| 40-60% | 161 | $120,675,000 | $749,534 |
| Over 100% | 5 | $5,035,000 | $1,007,000 |
NAPA's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 443 originations, totaling $59,435,000 in origination value.