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
7.02%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.28% and
one month ago for the week of 2026-10-01, the
average rate was 7.22%.
Napa's average rate one year ago was 6.31%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.58%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Napa 30 Year Fixed Rate | 2026-11-05 | 7.02% |
| Napa 30 Year Fixed Rate Refi | 2026-11-05 | 7.58% |
| Napa 15 Year Fixed Rate | 2026-11-05 | 6.67% |
| Napa 15 Year Fixed Rate Refi | 2026-11-05 | 6.97% |
| Napa 30 Year FHA | 2026-11-05 | 6.67% |
| Napa 30 Year FHA Refi | 2026-11-05 | 6.83% |
| Napa 30 Year USDA | 2026-11-05 | 7.1% |
| Napa 30 Year USDA Refi | 2026-11-05 | 6.8% |
| Napa 30 Year VA | 2026-11-05 | 6.76% |
| Napa 30 Year VA Refi | 2026-11-05 | 6.66% |
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 128 lenders originated 1,997
loans during 2025. The total origination value was $1,507,145,000, with an average loan value of
$754,705.
NAPA's average closing costs are $6,905.
The top NAPA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
95 loans originated. Their average total fees are
$9,289, which is $1,306
higher than the next largest lender,
GUARANTEED RATE, INC..
The lowest fee NAPA lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($5,326), JPMorgan Chase Bank ($6,363), Morgan Stanley Private Bank ($6,589), Charles Schwab Bank, SSB ($6,674) and U.S. Bank ($7,334).
The lowest rate NAPA lenders (with over 10 loans originated) are
Charles Schwab Bank, SSB (5.46%), Morgan Stanley Private Bank (5.70%), DHI MORTGAGE COMPANY, LTD. (5.84%), Wells Fargo Bank (6.00%) and U.S. Bank (6.10%).
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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| Metropolitan Life Insurance Co | $135,505,000 | n/a | 9.0% | |
| UNITED WHOLESALE MORTGAGE, LLC | $96,740,000 | $95,405,000 | -1.4% | 6.3% |
| Wells Fargo Bank | $23,615,000 | $73,755,000 | 212.3% | 4.9% |
| JPMorgan Chase Bank | $93,765,000 | $55,860,000 | -40.4% | 3.7% |
| BMO Harris Bank | $8,955,000 | $55,140,000 | 515.7% | 3.7% |
| QUICKEN LOANS, LLC | $48,150,000 | $54,245,000 | 12.7% | 3.6% |
| BERKELEY POINT CAPITAL LLC | $52,775,000 | n/a | 3.5% | |
| REDWOOD | $27,620,000 | $48,560,000 | 75.8% | 3.2% |
| Citibank | $7,845,000 | $47,070,000 | 500.0% | 3.1% |
| CMG MORTGAGE, INC. | $23,785,000 | $45,275,000 | 90.4% | 3.0% |
| GUARANTEED RATE, INC. | $50,415,000 | $44,005,000 | -12.7% | 2.9% |
| U.S. Bank | $29,375,000 | $43,000,000 | 46.4% | 2.9% |
| DHI MORTGAGE COMPANY, LTD. | $58,455,000 | $37,975,000 | -35.0% | 2.5% |
| Morgan Stanley Private Bank | $18,045,000 | $36,230,000 | 100.8% | 2.4% |
| LOANDEPOT.COM, LLC | $8,870,000 | $35,175,000 | 296.6% | 2.3% |
| Bank of America | $49,085,000 | $25,790,000 | -47.5% | 1.7% |
| Charles Schwab Bank, SSB | $14,710,000 | $24,260,000 | 64.9% | 1.6% |
| LIMA ONE CAPITAL, LLC | $23,795,000 | n/a | 1.6% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $19,730,000 | $23,710,000 | 20.2% | 1.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $23,130,000 | $21,535,000 | -6.9% | 1.4% |
| PENNYMAC LOAN SERVICES, LLC | $10,885,000 | $20,760,000 | 90.7% | 1.4% |
| The Lincoln National Life Insurance Company | $13,505,000 | n/a | 0.9% | |
| ALAMEDA MORTGAGE CORPORATION | $17,800,000 | $12,115,000 | -31.9% | 0.8% |
| The Loan Store, Inc. | $9,040,000 | $11,475,000 | 26.9% | 0.8% |
| HOMEXPRESS MORTGAGE CORP. | $2,795,000 | $9,835,000 | 251.9% | 0.7% |
| UBS Bank USA | $1,410,000 | $9,340,000 | 562.4% | 0.6% |
| Commerce Home Mortgage, Inc. | $830,000 | $9,115,000 | 998.2% | 0.6% |
| Bank of Marin | $7,070,000 | $8,555,000 | 21.0% | 0.6% |
| EVERETT FINANCIAL, INC. | $6,305,000 | $7,980,000 | 26.6% | 0.5% |
| TRAVIS CREDIT UNION | $5,140,000 | $7,780,000 | 51.4% | 0.5% |
| THE GOLDEN 1 | $3,795,000 | $7,465,000 | 96.7% | 0.5% |
| Mechanics Bank | $815,000 | $6,360,000 | 680.4% | 0.4% |
| BROKER SOLUTIONS, INC. | $6,110,000 | $6,265,000 | 2.5% | 0.4% |
| NEWREZ LLC | $8,830,000 | $6,210,000 | -29.7% | 0.4% |
| Century Mortgage Company DBA Century Lending Company | $9,880,000 | $6,000,000 | -39.3% | 0.4% |
| GUILD MORTGAGE COMPANY | $5,290,000 | $5,930,000 | 12.1% | 0.4% |
| SPRING EQ, LLC | $1,150,000 | $5,810,000 | 405.2% | 0.4% |
| DEEPHAVEN MORTGAGE LLC | $6,950,000 | $5,775,000 | -16.9% | 0.4% |
| Flagstar Bank, FSB | $5,710,000 | $5,720,000 | 0.2% | 0.4% |
| INFINITY EQUITY GROUP, INC. | $5,690,000 | n/a | 0.4% | |
| LENDSURE MORTGAGE CORP. | $3,210,000 | $5,605,000 | 74.6% | 0.4% |
| FINANCE OF AMERICA REVERSE LLC | $7,215,000 | $5,550,000 | -23.1% | 0.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $6,200,000 | $5,450,000 | -12.1% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $5,335,000 | $5,275,000 | -1.1% | 0.3% |
| Citizens Bank | $785,000 | $5,135,000 | 554.1% | 0.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $2,320,000 | $5,110,000 | 120.3% | 0.3% |
| ENVOY MORTGAGE, LTD | $2,410,000 | $4,965,000 | 106.0% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $6,515,000 | $4,850,000 | -25.6% | 0.3% |
| Umpqua Bank | $14,735,000 | $4,830,000 | -67.2% | 0.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $4,750,000 | n/a | 0.3% | |
| BETTER MORTGAGE CORPORATION | $2,150,000 | $4,715,000 | 119.3% | 0.3% |
| Franklin Loan Corporation | $4,700,000 | n/a | 0.3% | |
| OCMBC, INC. | $1,725,000 | $4,695,000 | 172.2% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,850,000 | $4,455,000 | 15.7% | 0.3% |
| Comerica Bank | $10,855,000 | $4,420,000 | -59.3% | 0.3% |
| Fremont Bank | $3,080,000 | $4,415,000 | 43.3% | 0.3% |
| S1L, Inc. | $4,330,000 | n/a | 0.3% | |
| Mr. Cooper ( Nationstar Mortgage ) | $3,115,000 | $4,135,000 | 32.7% | 0.3% |
| LENDINGHOME FUNDING CORPORATION | $6,260,000 | $3,990,000 | -36.3% | 0.3% |
| Tri Counties Bank | $915,000 | $3,990,000 | 336.1% | 0.3% |
| NEXERA HOLDING LLC | $3,675,000 | $3,965,000 | 7.9% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $945,000 | $3,910,000 | 313.8% | 0.3% |
| AMWEST FUNDING CORP. | $3,150,000 | $3,805,000 | 20.8% | 0.3% |
| Greenbox Loans, Inc. | $3,755,000 | n/a | 0.2% | |
| Citadel Servicing Corporation | $1,705,000 | $3,580,000 | 110.0% | 0.2% |
| QUORUM FEDERAL CREDIT UNION | $410,000 | $3,510,000 | 756.1% | 0.2% |
| Vista Bank | $3,505,000 | n/a | 0.2% | |
| PATELCO | $1,710,000 | $3,490,000 | 104.1% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $1,900,000 | $3,360,000 | 76.8% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $3,745,000 | $3,215,000 | -14.2% | 0.2% |
| Figure Lending LLC | $1,760,000 | $3,195,000 | 81.5% | 0.2% |
| FUNDLOANS CAPITAL | $2,765,000 | $3,195,000 | 15.6% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $2,900,000 | n/a | 0.2% | |
| LAKEVIEW LOAN SERVICING, LLC | $1,430,000 | $2,765,000 | 93.4% | 0.2% |
| ARC HOME LLC | $3,465,000 | $2,625,000 | -24.2% | 0.2% |
| PHH Mortgage Corporation | $880,000 | $2,590,000 | 194.3% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $2,040,000 | $2,440,000 | 19.6% | 0.2% |
| Ameris Bank | $1,990,000 | $2,430,000 | 22.1% | 0.2% |
| STAR ONE CREDIT UNION | $505,000 | $2,355,000 | 366.3% | 0.2% |
| Mortgage Research Center, LLC | $2,105,000 | $2,305,000 | 9.5% | 0.2% |
| Northpointe Bank | $2,300,000 | n/a | 0.2% | |
| PLANET HOME LENDING, LLC | $2,290,000 | n/a | 0.2% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,930,000 | $2,280,000 | 18.1% | 0.2% |
| SCHOOLSFIRST | $1,025,000 | $2,265,000 | 121.0% | 0.2% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $485,000 | $2,215,000 | 356.7% | 0.1% |
| The Northern Trust Company | $2,215,000 | n/a | 0.1% | |
| KeyBank | $765,000 | $2,135,000 | 179.1% | 0.1% |
| General Mortgage Capital Corporation | $2,595,000 | $2,120,000 | -18.3% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $255,000 | $2,105,000 | 725.5% | 0.1% |
| ALLIANT CREDIT UNION | $1,540,000 | $2,075,000 | 34.7% | 0.1% |
| Merchants Mortgage & Trust Corporation | $3,295,000 | $2,015,000 | -38.8% | 0.1% |
| MORTGAGEONE, INC. | $2,220,000 | $1,995,000 | -10.1% | 0.1% |
| Raymond James Bank | $1,960,000 | n/a | 0.1% | |
| PACIFIC SERVICE | $1,710,000 | $1,925,000 | 12.6% | 0.1% |
| A&D Mortgage LLC | $1,920,000 | n/a | 0.1% | |
| LANTZMAN MANAGEMENT, INC. | $1,890,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $1,875,000 | n/a | 0.1% | |
| VALLEY STRONG CREDIT UNION | $1,870,000 | n/a | 0.1% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $1,350,000 | $1,845,000 | 36.7% | 0.1% |
| NexBank | $3,260,000 | $1,735,000 | -46.8% | 0.1% |
| Goldman Sachs Bank USA | $11,740,000 | $1,705,000 | -85.5% | 0.1% |
| BNY Mellon | $1,685,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,980,000 | $1,680,000 | -15.2% | 0.1% |
| Paramount Bank | $1,655,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $2,230,000 | $1,650,000 | -26.0% | 0.1% |
| USAlliance Federal Credit Union | $1,625,000 | n/a | 0.1% | |
| AMERICAN INTERNET MORTGAGE, INC. | $255,000 | $1,615,000 | 533.3% | 0.1% |
| Flanagan State Bank | $1,605,000 | n/a | 0.1% | |
| HomeTrust Bank | $440,000 | $1,595,000 | 262.5% | 0.1% |
| RBC Bank, (Georgia) | $1,595,000 | n/a | 0.1% | |
| COMMUNITY FIRST CREDIT UNION | $875,000 | $1,575,000 | 80.0% | 0.1% |
| Vellum Mortgage, Inc. | $2,640,000 | $1,540,000 | -41.7% | 0.1% |
| Cornerstone First Mortgage, Inc | $1,520,000 | n/a | 0.1% | |
| GOOGAIN, INC. | $1,925,000 | $1,500,000 | -22.1% | 0.1% |
| HighTechLending Inc | $1,500,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $1,860,000 | $1,495,000 | -19.6% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $1,325,000 | $1,415,000 | 6.8% | 0.1% |
| BM Real Estate Services, Inc. | $1,390,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $1,240,000 | $1,380,000 | 11.3% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $2,500,000 | $1,295,000 | -48.2% | 0.1% |
| Provident Credit Union | $205,000 | $1,295,000 | 531.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,325,000 | $1,285,000 | -3.0% | 0.1% |
| UNION HOME MORTGAGE CORP. | $2,135,000 | $1,210,000 | -43.3% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $3,065,000 | $1,190,000 | -61.2% | 0.1% |
| Bank of Stockton | $1,260,000 | $1,175,000 | -6.7% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,475,000 | $1,165,000 | -21.0% | 0.1% |
| University Bank | $1,120,000 | n/a | 0.1% | |
| SAN FRANCISCO FIRE CREDIT UNION | $265,000 | $1,070,000 | 303.8% | 0.1% |
| PNC Bank | $12,830,000 | $1,030,000 | -92.0% | 0.1% |
| KINECTA | $1,020,000 | n/a | 0.1% | |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $115,000 | $1,015,000 | 782.6% | 0.1% |
| Carrington Mortgage Services, LLC | $135,000 | $1,010,000 | 648.1% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $550,000 | $1,010,000 | 83.6% | 0.1% |
| Farmers & Merchants Bank of Central California | $495,000 | $1,005,000 | 103.0% | 0.1% |
| NMSI, INC. | $1,855,000 | $980,000 | -47.2% | 0.1% |
| 5TH STREET CAPITAL, INC. | $965,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $955,000 | n/a | 0.1% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $525,000 | $935,000 | 78.1% | 0.1% |
| Firefighters First Federal Credit Union | $55,000 | $930,000 | 1,590.9% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $1,415,000 | $880,000 | -37.8% | 0.1% |
| MORTGAGE CAPITAL PARTNERS, INC. | $865,000 | n/a | 0.1% | |
| MACKILLIE INCORPORATED | $850,000 | n/a | 0.1% | |
| Coastal Community Bank | $820,000 | $830,000 | 1.2% | 0.1% |
| City National Bank | $805,000 | n/a | 0.1% | |
| First-Citizens Bank & Trust Company | $5,540,000 | $755,000 | -86.4% | 0.1% |
| Bethpage Federal Credit Union | $905,000 | $745,000 | -17.7% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $600,000 | $725,000 | 20.8% | 0.0% |
| FAY SERVICING, LLC | $725,000 | n/a | 0.0% | |
| NEW WAVE LENDING GROUP INC | $715,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $2,030,000 | $710,000 | -65.0% | 0.0% |
| Logan Finance Corporation | $1,555,000 | $695,000 | -55.3% | 0.0% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | $695,000 | n/a | 0.0% | |
| Luxury Mortgage Corp. | $795,000 | $675,000 | -15.1% | 0.0% |
| NP, Inc. | $2,995,000 | $675,000 | -77.5% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $665,000 | n/a | 0.0% | |
| Self-Help Federal Credit Union | $650,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $2,035,000 | $635,000 | -68.8% | 0.0% |
| Axos Bank | $2,155,000 | $625,000 | -71.0% | 0.0% |
| DIRECTORS MORTGAGE, INC. | $665,000 | $610,000 | -8.3% | 0.0% |
| GENEVA FINANCIAL, LLC | $1,385,000 | $605,000 | -56.3% | 0.0% |
| JMAC LENDING, INC. | $325,000 | $605,000 | 86.2% | 0.0% |
| GTE Federal Credit Union | $145,000 | $600,000 | 313.8% | 0.0% |
| Sunflower Bank | $565,000 | n/a | 0.0% | |
| WALL FINANCIAL, INC. | $565,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $605,000 | $555,000 | -8.3% | 0.0% |
| ML Mortgage Corp. | $555,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $3,040,000 | $535,000 | -82.4% | 0.0% |
| 21ST MORTGAGE CORPORATION | $1,125,000 | $525,000 | -53.3% | 0.0% |
| AMERISAVE MORTGAGE CORPORATION | $1,250,000 | $510,000 | -59.2% | 0.0% |
| Boeing Employees Credit Union | $230,000 | $505,000 | 119.6% | 0.0% |
| RESIDENTIAL BANCORP | $1,160,000 | $485,000 | -58.2% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $465,000 | n/a | 0.0% | |
| 1ST UNITED SERVICES CREDIT UNION | $805,000 | $460,000 | -42.9% | 0.0% |
| NBKC BANK | $425,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $420,000 | n/a | 0.0% | |
| KEYPOINT | $410,000 | n/a | 0.0% | |
| HomeStreet Bank | $405,000 | n/a | 0.0% | |
| San Mateo Credit Union | $405,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $385,000 | n/a | 0.0% | |
| Home Mortgage Alliance Corp | $1,370,000 | $355,000 | -74.1% | 0.0% |
| STANFORD Federal Credit Union | $405,000 | $350,000 | -13.6% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $355,000 | $325,000 | -8.5% | 0.0% |
| North American Savings Bank, F.S.B. | $325,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $315,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $280,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $335,000 | $275,000 | -17.9% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $470,000 | $270,000 | -42.6% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $265,000 | n/a | 0.0% | |
| MERIWEST | $265,000 | n/a | 0.0% | |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $255,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $165,000 | $255,000 | 54.5% | 0.0% |
| LOANPAL, LLC | $235,000 | n/a | 0.0% | |
| TOWER | $235,000 | n/a | 0.0% | |
| COMMUNITYAMERICA | $205,000 | n/a | 0.0% | |
| NASA Federal Credit Union | $205,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $205,000 | n/a | 0.0% | |
| Zions Bank | $5,400,000 | $205,000 | -96.2% | 0.0% |
| THE POLICE Credit Union | $165,000 | n/a | 0.0% | |
| TECHNOLOGY | $160,000 | n/a | 0.0% | |
| CHEVRON | $875,000 | $105,000 | -88.0% | 0.0% |
| SANTA CLARA COUNTY | $105,000 | n/a | 0.0% | |
| Truist | $105,000 | n/a | 0.0% | |
| Discover Bank | $520,000 | $90,000 | -82.7% | 0.0% |
| Financial Partners Credit Union | $45,000 | n/a | 0.0% |
NAPA's top lender by overall market share is Metropolitan Life Insurance Co, with 9.0% market share. In second place, with 6.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $95,405,000 in loans. In third place, with 4.9%, is Wells Fargo Bank, having originated $73,755,000 in loans. In fourth place, with 3.7%, is JPMorgan Chase Bank, having originated $55,860,000 in loans. In fifth place, with 3.7%, is BMO Harris Bank, having originated $55,140,000 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 (-9.8%) | $1,991,263 (3.4%) | 0.00 | 236 |
| 2018-04-01 | $990,162 (10.6%) | $2,127,186 (7.9%) | 0.00 | 262 |
| 2018-05-01 | $999,975 (11.8%) | $2,159,162 (11.1%) | 0.00 | 320 |
| 2018-06-01 | $1,047,000 (18.6%) | $2,174,341 (5.9%) | 0.00 | 364 |
| 2018-07-01 | $975,000 (8.5%) | $2,129,334 (2.9%) | 0.00 | 387 |
| 2018-08-01 | $912,250 (0.0%) | $2,076,468 (8.7%) | 0.00 | 380 |
| 2018-09-01 | $925,000 (1.5%) | $2,043,682 (2.1%) | 0.00 | 409 |
| 2018-10-01 | $942,000 (6.4%) | $2,121,273 (2.6%) | 0.00 | 409 |
| 2018-11-01 | $915,375 (7.7%) | $2,018,274 (-1.7%) | 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%) | $2,617,771 (16.3%) | 0.00 | 307 |
| 2020-11-01 | $1,337,000 (37.4%) | $2,792,349 (16.0%) | 0.00 | 299 |
| 2020-12-01 | $1,347,725 (42.0%) | $2,767,792 (16.9%) | 0.00 | 239 |
| 2021-01-01 | $1,295,000 (30.2%) | $2,700,022 (18.0%) | 0.00 | 219 |
| 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%) | $3,113,646 (34.6%) | 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 (13.6%) | 0.00 | 269 |
| 2021-11-01 | $1,342,000 (0.4%) | $3,342,329 (19.7%) | 0.00 | 207 |
| 2021-12-01 | $1,490,000 (10.6%) | $3,434,267 (24.1%) | 0.00 | 158 |
| 2022-01-01 | $1,499,500 (15.8%) | $3,122,800 (15.7%) | 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 (7.8%) | 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 | $1,396,500 (-6.9%) | $3,016,870 (-3.5%) | 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%) | $3,278,735 (-7.4%) | 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 (3.8%) | $3,014,527 (-0.1%) | 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 | $1,697,000 (-5.1%) | $3,249,999 (-0.3%) | 0.00 | 321 |
| 2024-06-01 | $1,599,500 (-5.8%) | $3,090,503 (-5.7%) | 0.00 | 353 |
| 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 | $1,526,000 (-4.0%) | $2,803,268 (-11.1%) | 0.00 | 423 |
| 2024-10-01 | $1,506,000 (-3.9%) | $2,738,306 (-12.2%) | 0.00 | 437 |
| 2024-11-01 | $1,499,000 (-0.9%) | $2,861,204 (-9.3%) | 0.00 | 419 |
| 2024-12-01 | $1,448,000 (-3.4%) | $2,980,991 (-3.8%) | 0.00 | 299 |
| 2025-01-01 | $1,410,750 (-1.0%) | $2,836,695 (-8.2%) | 0.00 | 253 |
| 2025-02-01 | $1,497,000 (3.3%) | $2,948,508 (-2.2%) | 0.00 | 316 |
| 2025-03-01 | $1,499,000 (-4.0%) | $2,839,713 (-6.0%) | 0.00 | 375 |
| 2025-04-01 | $1,497,000 (-6.3%) | $2,745,338 (-12.3%) | 0.00 | 474 |
| 2025-05-01 | $1,495,000 (-11.9%) | $2,714,727 (-16.5%) | 0.00 | 551 |
| 2025-06-01 | $1,447,000 (-9.5%) | $2,639,247 (-14.6%) | 0.00 | 577 |
| 2025-07-01 | $1,450,000 (-7.9%) | $2,627,517 (-12.3%) | 0.00 | 557 |
| 2025-08-01 | $1,398,500 (-8.2%) | $2,551,597 (-12.1%) | 0.00 | 549 |
| 2025-09-01 | $1,414,975 (-7.3%) | $2,660,217 (-5.1%) | 0.00 | 569 |
| 2025-10-01 | $1,395,000 (-7.4%) | $2,556,751 (-6.6%) | 0.00 | 554 |
| 2025-11-01 | $1,350,000 (-9.9%) | $2,513,211 (-12.2%) | 0.00 | 494 |
| 2025-12-01 | $1,304,500 (-9.9%) | $2,476,472 (-16.9%) | 0.00 | 391 |
| 2026-01-01 | $1,209,500 (-14.3%) | $2,328,776 (-17.9%) | 0.00 | 317 |
| 2026-02-01 | $1,249,500 (-16.5%) | $2,298,295 (-22.1%) | 0.00 | 340 |
| 2026-03-01 | $1,292,500 (-13.8%) | $2,331,136 (-17.9%) | 0.00 | 400 |
| 2026-04-01 | $1,395,000 (-6.8%) | $2,529,506 (-7.9%) | 0.00 | 480 |
| 2026-05-01 | $1,395,000 (-6.7%) | $2,626,840 (-3.2%) | 0.00 | 531 |
| 2026-06-01 | $1,397,000 (-3.5%) | $2,804,445 (6.3%) | 0.00 | 567 |
| 2026-07-01 | $1,366,250 (-5.8%) | $2,690,419 (2.4%) | 0.00 | 545 |
| 2026-08-01 | $1,349,000 (-3.5%) | $2,649,924 (3.9%) | 0.00 | 533 |
| 2026-09-01 | $1,272,500 (-10.1%) | $2,698,224 (1.4%) | 0.00 | 572 |
| 2026-10-01 | $1,249,500 (-10.4%) | $2,782,012 (8.8%) | 0.00 | 553 |
NAPA's median listing price for 2026-10-01 was $1,249,500, a difference of
$-145,500
(-10.4%) versus the prior year and
$-23,000 versus the prior month.
NAPA's median listing price comes in at 0% of the national average.
NAPA's average listing price for 2026-10-01 was $2,782,012, a difference of $225,261 (8.8%) versus the prior year and $83,788 versus the prior month.
For the 2026-10-01 period, NAPA had 553 MLS listings, a difference of -19 listings (-3%) versus the prior month and -1 listings (0%) versus the prior year.
NAPA's median listing price comes in at 0% of the national average.
NAPA's average listing price for 2026-10-01 was $2,782,012, a difference of $225,261 (8.8%) versus the prior year and $83,788 versus the prior month.
For the 2026-10-01 period, NAPA had 553 MLS listings, a difference of -19 listings (-3%) versus the prior month and -1 listings (0%) 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 | 1,950 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 | 1,948 sqft |
| 2019-01-01 | 0 days | 1,895 sqft |
| 2019-02-01 | 0 days | 1,896 sqft |
| 2019-03-01 | 0 days | 1,960 sqft |
| 2019-04-01 | 0 days | 2,082 sqft |
| 2019-05-01 | 0 days | 2,122 sqft |
| 2019-06-01 | 0 days | 2,108 sqft |
| 2019-07-01 | 0 days | 2,011 sqft |
| 2019-08-01 | 0 days | 1,985 sqft |
| 2019-09-01 | 0 days | 1,973 sqft |
| 2019-10-01 | 0 days | 1,955 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 | 2,158 sqft |
| 2020-09-01 | 0 days | 2,164 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 | 2,099 sqft |
| 2021-02-01 | 0 days | 2,018 sqft |
| 2021-03-01 | 0 days | 2,114 sqft |
| 2021-04-01 | 0 days | 2,131 sqft |
| 2021-05-01 | 0 days | 2,042 sqft |
| 2021-06-01 | 0 days | 2,039 sqft |
| 2021-07-01 | 0 days | 2,022 sqft |
| 2021-08-01 | 0 days | 2,117 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 | 2,110 sqft |
| 2022-03-01 | 0 days | 2,212 sqft |
| 2022-04-01 | 0 days | 2,163 sqft |
| 2022-05-01 | 0 days | 2,132 sqft |
| 2022-06-01 | 0 days | 2,099 sqft |
| 2022-07-01 | 0 days | 2,060 sqft |
| 2022-08-01 | 0 days | 2,133 sqft |
| 2022-09-01 | 0 days | 2,075 sqft |
| 2022-10-01 | 0 days | 2,026 sqft |
| 2022-11-01 | 0 days | 2,084 sqft |
| 2022-12-01 | 0 days | 2,055 sqft |
| 2023-01-01 | 0 days | 2,071 sqft |
| 2023-02-01 | 0 days | 2,117 sqft |
| 2023-03-01 | 0 days | 2,190 sqft |
| 2023-04-01 | 0 days | 2,276 sqft |
| 2023-05-01 | 0 days | 2,369 sqft |
| 2023-06-01 | 0 days | 2,340 sqft |
| 2023-07-01 | 0 days | 2,349 sqft |
| 2023-08-01 | 0 days | 2,307 sqft |
| 2023-09-01 | 0 days | 2,178 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 | 2,019 sqft |
| 2024-02-01 | 0 days | 2,076 sqft |
| 2024-03-01 | 0 days | 2,099 sqft |
| 2024-04-01 | 0 days | 2,133 sqft |
| 2024-05-01 | 0 days | 2,248 sqft |
| 2024-06-01 | 0 days | 2,179 sqft |
| 2024-07-01 | 0 days | 2,173 sqft |
| 2024-08-01 | 0 days | 2,157 sqft |
| 2024-09-01 | 0 days | 2,174 sqft |
| 2024-10-01 | 0 days | 2,130 sqft |
| 2024-11-01 | 0 days | 2,131 sqft |
| 2024-12-01 | 0 days | 2,043 sqft |
| 2025-01-01 | 0 days | 2,034 sqft |
| 2025-02-01 | 0 days | 2,109 sqft |
| 2025-03-01 | 0 days | 2,110 sqft |
| 2025-04-01 | 0 days | 2,051 sqft |
| 2025-05-01 | 0 days | 2,077 sqft |
| 2025-06-01 | 0 days | 2,032 sqft |
| 2025-07-01 | 0 days | 2,050 sqft |
| 2025-08-01 | 0 days | 2,077 sqft |
| 2025-09-01 | 0 days | 2,108 sqft |
| 2025-10-01 | 0 days | 2,068 sqft |
| 2025-11-01 | 0 days | 2,030 sqft |
| 2025-12-01 | 0 days | 2,014 sqft |
| 2026-01-01 | 0 days | 1,900 sqft |
| 2026-02-01 | 0 days | 1,930 sqft |
| 2026-03-01 | 0 days | 2,014 sqft |
| 2026-04-01 | 0 days | 2,116 sqft |
| 2026-05-01 | 0 days | 2,100 sqft |
| 2026-06-01 | 0 days | 2,102 sqft |
| 2026-07-01 | 0 days | 2,099 sqft |
| 2026-08-01 | 0 days | 2,078 sqft |
| 2026-09-01 | 0 days | 2,036 sqft |
| 2026-10-01 | 0 days | 2,078 sqft |
NAPA's median listing age (time on market) for 2026-10-01 was 0 days.
NAPA's median square footage for active listings during the 2026-10-01 period was 2,078 sqft. One year prior, the average listing was 2,068 sqft.
NAPA's median square footage for active listings during the 2026-10-01 period was 2,078 sqft. One year prior, the average listing was 2,068 sqft.
NAPA, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 836 | $739,970,000 | $885,132 |
| Cash Out Refi | 413 | $204,415,000 | $494,952 |
| Refi | 318 | $460,030,000 | $1,446,635 |
| Home Improvement | 223 | $36,055,000 | $161,682 |
| Other | 206 | $64,900,000 | $315,049 |
| NA | 1 | $1,775,000 | $1,775,000 |
Napa's most frequently cited loan purpose was Home Purchase, with 836 originations. The 2nd most popular reason was Cash Out Refi, with 413 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 711 | $586,025,000 | $824,226 |
| Over 8% | 465 | $165,725,000 | $356,398 |
| 5-6% | 381 | $499,935,000 | $1,312,165 |
| 7-8% | 368 | $171,750,000 | $466,712 |
| 4-5% | 19 | $23,695,000 | $1,247,105 |
| <2.5% | 10 | $40,160,000 | $4,016,000 |
| 3-4% | 2 | $760,000 | $380,000 |
| 2.5-3% | 1 | $335,000 | $335,000 |
During 2025, Napa's most frequently originated rate bucket was 6-7%, with 711 originations.
Loan Sizing (NAPA, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $600k-1000k | 530 | $390,020,000 | $735,887 |
| $400k-600k | 387 | $193,435,000 | $499,832 |
| $200k-400k | 343 | $98,075,000 | $285,933 |
| $100k-200k | 291 | $39,575,000 | $135,997 |
| $Over $1MM | 228 | $772,540,000 | $3,388,333 |
| $100,000 or less | 218 | $13,500,000 | $61,927 |
NAPA's loan sizing saw the bucket of loans from $600k-1000k with 530 originations, totaling $390,020,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| Under 20% | 496 | $116,460,000 | $234,798 |
| 60-80% | 489 | $578,435,000 | $1,182,894 |
| 80-100% | 417 | $318,345,000 | $763,417 |
| 20-40% | 291 | $121,745,000 | $418,368 |
| 40-60% | 241 | $333,955,000 | $1,385,705 |
| Over 100% | 2 | $1,810,000 | $905,000 |
NAPA's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 496 originations, totaling $116,460,000 in origination value.