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 5.79% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 6.05% and one month ago for the week of 2024-08-29, the average rate was 6.22%.

Napa's average rate one year ago was 7.18%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.52%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
Napa 30 Year Fixed Rate 2024-10-03 5.79%
Napa 30 Year Fixed Rate Refi 2024-10-03 6.52%
Napa 15 Year Fixed Rate 2024-10-03 5.35%
Napa 15 Year Fixed Rate Refi 2024-10-03 5.45%
Napa 30 Year FHA 2024-10-03 5.26%
Napa 30 Year FHA Refi 2024-10-03 6.09%
Napa 30 Year USDA 2024-10-03 5.77%
Napa 30 Year USDA Refi 2024-10-03 6.17%
Napa 30 Year VA 2024-10-03 5.5%
Napa 30 Year VA Refi 2024-10-03 5.7%
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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 79 6.71% $10,668
QUICKEN LOANS, LLC 57 6.65% $10,581
DHI MORTGAGE COMPANY, LTD. 50 5.77% $5,841
CROSSCOUNTRY MORTGAGE, LLC 48 7.03% $11,858
JPMorgan Chase Bank 34 6.38% $9,899
First Republic Bank 32 4.84% $4,583
Wells Fargo Bank 24 6.07% $20,645
CMG MORTGAGE, INC. 24 7.04% $11,701
AMERICAN PACIFIC MORTGAGE CORPORATION 19 6.73% $12,092
REDWOOD 17 6.36% $4,567
ALAMEDA MORTGAGE CORPORATION 16 7.12% $8,450
Morgan Stanley Private Bank 15 5.60% $5,503
U.S. Bank 13 6.30% $6,115
CARDINAL FINANCIAL 12 6.52% $6,537
BMO Harris Bank 10 6.13% $7,405
Flagstar Bank, FSB 9 6.49% $10,263
PRIMARY RESIDENTIAL MORTGAGE, INC. 9 6.28% $13,501
GUARANTEED RATE, INC. 8 6.54% $6,959
Bank of America 8 6.66% $7,625
TRAVIS CREDIT UNION 8 6.50% $7,958
The Loan Store, Inc. 7 6.80% $16,386
HOMEBRIDGE FINANCIAL SERVICES, INC. 7 6.45% $10,410
ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 6.77% $5,470
LOANDEPOT.COM, LLC 6 6.73% $8,392
Umpqua Bank 5 6.23% $9,526
OCMBC, INC. 5 7.77% $19,561
EVERETT FINANCIAL, INC. 5 6.98% $9,190
Charles Schwab Bank, SSB 5 5.94% $4,925
BROKER SOLUTIONS, INC. 4 7.31% $7,537
MASON MCDUFFIE MORTGAGE CORPORATION 4 6.91% $10,244
HOMEXPRESS MORTGAGE CORP. 4 7.94% $17,649
UBS Bank USA 4 6.16% $8,496
Mr. Cooper ( Nationstar Mortgage ) 4 6.65% $13,167
PNC Bank 4 6.97% $9,513
AMERISAVE MORTGAGE CORPORATION 3 6.33% $11,066
Citibank 3 5.88% $8,086
ARC HOME LLC 3 8.63% $9,385
Commerce Home Mortgage, Inc. 3 7.79% $6,171
NEXERA HOLDING LLC 3 8.17% $9,118
Sierra Pacific Mortgage Company, Inc. 3 7.00% $10,706
STAR ONE CREDIT UNION 3 6.04% $2,689
Stifel Bank and Trust 3 5.46% $5,271
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.29% $10,497
CALIBER HOME LOANS, INC. 3 6.46% $7,577
First-Citizens Bank & Trust Company 3 5.74% $7,895
Century Mortgage Company DBA Century Lending Company 3 6.96% $14,020
PROVIDENT FUNDING ASSOCIATES, L.P. 2 5.81% $10,283
Citizens Bank 2 5.88% $7,053
Provident Credit Union 2 6.44% $5,493
AmeriHome Mortgage Company, LLC 2 6.68% $7,335
PLAZA HOME MORTGAGE, INC. 2 7.25% $29,389
PENNYMAC LOAN SERVICES, LLC 2 6.31% $16,082
CHEVRON 2 6.00% $8,663
FREEDOM MORTGAGE CORPORATION 2 6.44% $15,209
General Mortgage Capital Corporation 2 7.31% $8,083
NMSI, INC. 2 6.81% $6,850
Golden Empire Mortgage, Inc. 2 7.69% $16,482
NEWREZ LLC 2 5.75% $17,520
GUARANTEED RATE AFFINITY, LLC 2 7.69% $7,044
NAVY FEDERAL CREDIT UNION 2 5.88% $7,959
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.69% $10,437
THE GOLDEN 1 2 7.38% $3,908
SUMMIT FUNDING, INC. 2 6.50% $12,392
City National Bank 2 5.70% $3,980
LOGIX FEDERAL CREDIT UNION 1 7.38% $7,012
1ST UNITED SERVICES CREDIT UNION 1 6.82% $5,626
A&D Mortgage LLC 1 7.50% $14,617
ALLIANT CREDIT UNION 1 8.63% $5,494
Ally Bank 1 6.75% $2,762
AMERICAN FINANCIAL NETWORK, INC. 1 5.63% $12,488
AMERITRUST MORTGAGE CORPORATION 1 7.88% $9,671
AXIA FINANCIAL, LLC 1 7.50% $16,520
Axos Bank 1 7.75% $63,677
Bank of the West 1 5.25% $5,999
Barrington Bank & Trust Company, N.A. 1 7.38% $4,591
BAY EQUITY LLC 1 6.49% $5,286
Bethpage Federal Credit Union 1 7.25% $2
BRIDGELOCK CAPITAL 1 7.13% $13,692
CALTECH EMPLOYEES FEDERAL CREDIT UNION 1 7.38% $6,454
CHERRY CREEK MORTGAGE, LLC 1 6.50% $687
CHURCHILL MORTGAGE CORPORATION 1 6.63% $6,618
CIBC Bank USA 1 5.63% $4,170
Comerica Bank 1 5.25% $0
CORNERSTONE HOME LENDING, INC. 1 7.88% $7,920
DEEPHAVEN MORTGAGE LLC 1 7.50% $8,948
ENVOY MORTGAGE, LTD 1 6.38% $14,169
First Bank 1 5.63% $23,747
FIRST CENTENNIAL MORTGAGE CORPORATION 1 6.63% $6,170
FIRST TECHNOLOGY 1 5.38% $34,610
FOUNDATION MORTGAGE CORPORATION 1 7.38% $63,008
Franklin Loan Corporation 1 7.13% $8,778
GENEVA FINANCIAL, LLC 1 6.88% $37,187
Goldman Sachs Bank USA 1 5.15% $22,417
LADERA LENDING, INC. 1 6.63% $12,919
LAND HOME FINANCIAL SERVICES, INC. 1 7.63% $5,389
LENDSURE MORTGAGE CORP. 1 7.88% $13,680
LOANPAL, LLC 1 5.99% $21,809
1st Security Bank of Washington 1 6.00% $14,773
Mechanics Bank 1 6.00% $7,494
MICHIGAN MUTUAL, INC. 1 7.50% $11,128
MidFirst Bank 1 5.75% $3,353
MONARCH FUNDING CORP. 1 7.38% $13,986
Operating Engineers Local Union #3 1 6.00% $3,477
Paramount Residential Mortgage Group, Inc. 1 5.99% $14,218
RESIDENTIAL BANCORP 1 8.00% $51,697
SUN WEST MORTGAGE COMPANY, INC. 1 6.88% $16,299
The Huntington National Bank 1 5.88% $9,369
The Northern Trust Company 1 5.88% $8,500
Truist 1 6.13% $5,951
Vellum Mortgage, Inc. 1 6.88% $4,501
V.I.P. MORTGAGE, INC. 1 7.38% $11,208

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
2024-04-01 $1,597,225 (-3.2%) $3,130,577 (-3.6%) 0.00 288
2024-05-01 $1,704,750 (-4.7%) $3,338,755 (2.4%) 0.00 321
2024-06-01 $1,650,000 (-2.8%) $3,171,885 (-3.4%) 0.00 352
2024-07-01 $1,574,500 (-7.2%) $2,996,797 (-6.3%) 0.00 370
2024-08-01 $1,524,000 (-7.6%) $2,902,214 (-2.2%) 0.00 392
2024-09-01 $1,528,750 (-3.9%) $2,821,387 (-10.5%) 0.00 421
NAPA's median listing price for 2024-09-01 was $1,528,750, a difference of $-61,250 (-3.9%) versus the prior year and $4,750 versus the prior month.

NAPA's median listing price comes in at 0% of the national average.

NAPA's average listing price for 2024-09-01 was $2,821,387, a difference of $-330,519 (-10.5%) versus the prior year and $-80,827 versus the prior month.

For the 2024-09-01 period, NAPA had 421 MLS listings, a difference of 29 listings (7%) versus the prior month and 110 listings (35%) 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 2,073 sqft
2024-03-01 0 days 2,099 sqft
2024-04-01 0 days 2,133 sqft
2024-05-01 0 days 2,304 sqft
2024-06-01 0 days 2,201 sqft
2024-07-01 0 days 2,174 sqft
2024-08-01 0 days 2,157 sqft
2024-09-01 0 days 2,175 sqft
NAPA's median listing age (time on market) for 2024-09-01 was 0 days.

NAPA's median square footage for active listings during the 2024-09-01 period was 2,175 sqft. One year prior, the average listing was 2,177 sqft.

NAPA, CA Average Rent (2023)

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For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
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.