NAPA Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Napa averaged
3.38%
for the week of 2021-11-24, compared to the national average of
3.1% for the same period.
The average rate for the prior week (2021-11-18) was
2.98% and
one month ago for the week of 2021-10-21, the
average rate was 3.07%.
Napa's average rate one year ago was 2.6%.
For refis of the same type during the week of 2021-11-24, the average rate
was 2.94%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2021-11-24 | 3.1% |
| Napa 30 Year Fixed Rate | 2021-11-24 | 3.38% |
| Napa 30 Year Fixed Rate Refi | 2021-11-24 | 2.94% |
| Napa 15 Year Fixed Rate | 2021-11-24 | 3.42% |
| Napa 15 Year Fixed Rate Refi | 2021-11-24 | 2.72% |
| Napa 30 Year FHA | 2021-11-24 | 3.24% |
| Napa 30 Year FHA Refi | 2021-11-24 | 3.12% |
| Napa 30 Year USDA | 2021-11-24 | 4.17% |
| Napa 30 Year VA | 2021-11-24 | 2.98% |
| Napa 30 Year VA Refi | 2021-11-24 | 2.88% |
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 lendor, 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, CA's 270 lenders originated 7,416
loans during 2020. The total origination value was $3,867,370,000, with an average loan value of
$521,490.
The top NAPA lender as defined by loan originations is QUICKEN LOANS, LLC, with
514 loans originated. Their average total fees are
$5,680, which is $406
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee NAPA lenders (with over 10 loans originated) are
IMPAC MORTGAGE CORP. ($788), CHERRY CREEK MORTGAGE, LLC ($1,359), WINNPOINTE CORPORATION ($1,643), Fremont Bank ($1,755) and EVERETT FINANCIAL, INC. ($2,543).
The lowest rate NAPA lenders (with over 10 loans originated) are
AMERISAVE MORTGAGE CORPORATION (2.80%), CLOSING MARK HOME LOANS (2.88%), BETTER MORTGAGE CORPORATION (2.89%), Citibank, National Association (2.90%) and CHERRY CREEK MORTGAGE, LLC (2.96%).
NAPA, CA Lender 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 | 2019 Loan Value | 2020 Loan Value | % Change | 2020 Market Share |
|---|---|---|---|---|
| Quicken Loans | $141,870,000 | $355,075,000 | 150.3% | 9.2% |
| FIRST REPUBLIC BANK | $182,785,000 | $337,060,000 | 84.4% | 8.7% |
| United Shore Financial Services LLC | $122,955,000 | $285,175,000 | 131.9% | 7.4% |
| Flagstar Bank | $109,630,000 | $207,295,000 | 89.1% | 5.4% |
| WELLS FARGO BANK NA | $161,825,000 | $207,230,000 | 28.1% | 5.4% |
| American Pacific Mortgage Corporation | $52,075,000 | $141,195,000 | 171.1% | 3.7% |
| HomeBridge Financial Services, Inc. | $46,900,000 | $130,630,000 | 178.5% | 3.4% |
| JPMorgan Chase Bank, NA | $81,595,000 | $129,470,000 | 58.7% | 3.3% |
| Caliber Home Loans Inc | $60,365,000 | $92,475,000 | 53.2% | 2.4% |
| Supreme Lending/ Everett Financial Inc. | $32,525,000 | $85,385,000 | 162.5% | 2.2% |
| FAIRWAY INDEPENDENT MORT CORP | $44,885,000 | $84,125,000 | 87.4% | 2.2% |
| Citibank, N.A. | $54,585,000 | $79,850,000 | 46.3% | 2.1% |
| loanDepot LLC | $38,250,000 | $73,580,000 | 92.4% | 1.9% |
| Bank of America NA | $91,045,000 | $65,675,000 | -27.9% | 1.7% |
| Ark-La-Tex Financial Services LLC | $33,405,000 | $54,400,000 | 62.8% | 1.4% |
| Freedom Mortgage Corporation | $16,740,000 | $48,365,000 | 188.9% | 1.3% |
| US BANK, N.A. | $57,205,000 | $45,050,000 | -21.2% | 1.2% |
| Umpqua Bank | $25,470,000 | $43,735,000 | 71.7% | 1.1% |
| Redwood Credit Union | $36,665,000 | $40,625,000 | 10.8% | 1.1% |
| Parkside Lending LLC | $21,420,000 | $38,515,000 | 79.8% | 1.0% |
| Home Point Financial Corporation | $7,205,000 | $36,400,000 | 405.2% | 0.9% |
| WALKER & DUNLOP, LLC | $19,800,000 | $34,815,000 | 75.8% | 0.9% |
| Nationstar Mortgage | $13,785,000 | $34,785,000 | 152.3% | 0.9% |
| Morgan Stanley Private Bank NA | $19,505,000 | $33,420,000 | 71.3% | 0.9% |
| Finance of America Mortgage LLC | $13,575,000 | $29,235,000 | 115.4% | 0.8% |
| Primary Residential Mortgage Inc. | $16,705,000 | $28,165,000 | 68.6% | 0.7% |
| Guaranteed Rate Inc. | $18,530,000 | $26,625,000 | 43.7% | 0.7% |
| Fremont Bank | $13,185,000 | $22,870,000 | 73.5% | 0.6% |
| PENNYMAC LOAN SERVICES LLC | $11,040,000 | $22,755,000 | 106.1% | 0.6% |
| BANK OF THE WEST | $30,710,000 | $21,540,000 | -29.9% | 0.6% |
| NEWREZ LLC | $4,315,000 | $21,345,000 | 394.7% | 0.6% |
| MUFG Union Bank, NA | $22,825,000 | $18,620,000 | -18.4% | 0.5% |
| Travis Credit Union | $9,545,000 | $18,310,000 | 91.8% | 0.5% |
| Stearns Lending | $20,170,000 | $18,225,000 | -9.6% | 0.5% |
| Greystone Servicing Corporation, Inc. | $17,000,000 | n/a | 0.4% | |
| Geneva Financial LLC | $3,480,000 | $16,695,000 | 379.7% | 0.4% |
| Summit Funding Inc. | $10,405,000 | $16,685,000 | 60.4% | 0.4% |
| Cardinal Financial Company LP | $5,970,000 | $16,050,000 | 168.8% | 0.4% |
| Amerisave Mortgage Corporation | $3,110,000 | $15,985,000 | 414.0% | 0.4% |
| Provident Funding Associates | $18,835,000 | $14,860,000 | -21.1% | 0.4% |
| Network Capital Funding Corporation | $3,900,000 | $14,820,000 | 280.0% | 0.4% |
| Commerce Home Mortgage Inc. | $5,705,000 | $14,815,000 | 159.7% | 0.4% |
| Charles Schwab Bank | $15,365,000 | $14,690,000 | -4.4% | 0.4% |
| Better Mortgage Corporation | $3,900,000 | $14,470,000 | 271.0% | 0.4% |
| New American Funding (dba for Broker Solutions Inc) | $6,510,000 | $13,190,000 | 102.6% | 0.3% |
| Lakeview Loan Servicing, LLC | $12,935,000 | n/a | 0.3% | |
| CMG Mortgage Inc. | $14,020,000 | $12,355,000 | -11.9% | 0.3% |
| Sierra Pacific Mortgage | $6,960,000 | $11,805,000 | 69.6% | 0.3% |
| American Financial Network Inc. | $3,390,000 | $11,340,000 | 234.5% | 0.3% |
| Axos Bank | $10,700,000 | n/a | 0.3% | |
| Guild Mortgage Company | $4,570,000 | $10,010,000 | 119.0% | 0.3% |
| AmWest Funding Corp. | $1,195,000 | $10,000,000 | 736.8% | 0.3% |
| Goldman Sachs Bank USA | $23,970,000 | $9,895,000 | -58.7% | 0.3% |
| Impac Mortgage Corp. dba CashCall Mortgage | $14,005,000 | $9,875,000 | -29.5% | 0.3% |
| LendUS LLC dba RPM Mortgage | $4,505,000 | $9,805,000 | 117.6% | 0.3% |
| The Golden 1 Credit Union | $6,110,000 | $9,455,000 | 54.7% | 0.2% |
| Mason-McDuffie Mortgage Corporation | $5,995,000 | $9,415,000 | 57.0% | 0.2% |
| Patelco Credit Union | $3,905,000 | $9,395,000 | 140.6% | 0.2% |
| FJM Private Mortgage Fund, LLC | $455,000 | $9,310,000 | 1,946.2% | 0.2% |
| Huntington National Bank | $2,485,000 | $8,710,000 | 250.5% | 0.2% |
| Synergy One Lending | $4,800,000 | $8,660,000 | 80.4% | 0.2% |
| LoanPal | $7,290,000 | $8,590,000 | 17.8% | 0.2% |
| Land Home Financial Services Inc. | $4,075,000 | $8,445,000 | 107.2% | 0.2% |
| Mechanics Bank | $9,085,000 | $8,085,000 | -11.0% | 0.2% |
| UBS Bank USA | $10,210,000 | $8,060,000 | -21.1% | 0.2% |
| Alameda Mortgage Corporation | $3,040,000 | $8,010,000 | 163.5% | 0.2% |
| The Northern Trust Company | $7,795,000 | n/a | 0.2% | |
| Silicon Valley Bank | $20,940,000 | $7,605,000 | -63.7% | 0.2% |
| City National Bank | $6,285,000 | $7,480,000 | 19.0% | 0.2% |
| Raymond James Bank National Association | $585,000 | $7,365,000 | 1,159.0% | 0.2% |
| PNC BANK NA | $3,260,000 | $7,030,000 | 115.6% | 0.2% |
| Boston Private Bank & Trust Company | $4,710,000 | $6,435,000 | 36.6% | 0.2% |
| PRIMELENDING | $4,650,000 | $6,100,000 | 31.2% | 0.2% |
| AimLoan.com | $2,360,000 | $6,090,000 | 158.1% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $2,800,000 | $5,715,000 | 104.1% | 0.1% |
| JMAC Lending Incorporated | $4,430,000 | $5,710,000 | 28.9% | 0.1% |
| Bay Equity LLC | $2,455,000 | $5,680,000 | 131.4% | 0.1% |
| COMPASS BANK | $740,000 | $5,635,000 | 661.5% | 0.1% |
| Paramount Residential Mortgage Group Inc. | $1,180,000 | $5,625,000 | 376.7% | 0.1% |
| Interactive Mortgage | $2,300,000 | $5,580,000 | 142.6% | 0.1% |
| Cherry Creek Mortgage Co. Inc. | $2,395,000 | $5,395,000 | 125.3% | 0.1% |
| TIAA, FSB | $5,890,000 | $5,190,000 | -11.9% | 0.1% |
| Clearpath Lending | $1,160,000 | $5,160,000 | 344.8% | 0.1% |
| Ladera Lending, Inc. | $1,525,000 | $5,135,000 | 236.7% | 0.1% |
| Premier Lending Inc. | $1,795,000 | $5,125,000 | 185.5% | 0.1% |
| Branch Banking And Trust Co | $1,935,000 | $4,775,000 | 146.8% | 0.1% |
| TCF National Bank | $4,445,000 | $4,770,000 | 7.3% | 0.1% |
| Finance of America Reverse LLC | $8,225,000 | $4,695,000 | -42.9% | 0.1% |
| USAA FEDERAL SAVINGS BANK | $7,530,000 | $4,680,000 | -37.8% | 0.1% |
| OGI Mortgage Bankers | $1,720,000 | $4,525,000 | 163.1% | 0.1% |
| The Federal Savings Bank | $1,840,000 | $4,525,000 | 145.9% | 0.1% |
| General Mortgage Capital Corporation | $590,000 | $4,410,000 | 647.5% | 0.1% |
| EXCHANGE BANK | $965,000 | $4,280,000 | 343.5% | 0.1% |
| Golden Empire Mortgage, Inc. | $4,225,000 | n/a | 0.1% | |
| NBKC Bank | $1,185,000 | $4,200,000 | 254.4% | 0.1% |
| Midwest Equity Mortgage LLC | $4,990,000 | $4,170,000 | -16.4% | 0.1% |
| HomeStreet Bank | $45,080,000 | $4,080,000 | -90.9% | 0.1% |
| Farmers & Merchants Bank of Ce | $3,105,000 | $4,070,000 | 31.1% | 0.1% |
| Community First Credit Union | $1,590,000 | $4,005,000 | 151.9% | 0.1% |
| Alliant Credit Union | $3,925,000 | $3,935,000 | 0.3% | 0.1% |
| CARRINGTON MORTGAGE SERVICES | $3,415,000 | $3,935,000 | 15.2% | 0.1% |
| Envoy Mortgage Ltd. | $2,035,000 | $3,545,000 | 74.2% | 0.1% |
| Prime Choice Funding, Inc. | $445,000 | $3,530,000 | 693.3% | 0.1% |
| Advancial Federal Credit Union | $725,000 | $3,505,000 | 383.4% | 0.1% |
| COMMERCE BANK | $605,000 | $3,505,000 | 479.3% | 0.1% |
| AAG | $5,000,000 | $3,455,000 | -30.9% | 0.1% |
| Provident Credit Union | $2,805,000 | $3,445,000 | 22.8% | 0.1% |
| FirstBank | $1,590,000 | $3,365,000 | 111.6% | 0.1% |
| Nations Direct Mortgage LLC | $725,000 | $3,305,000 | 355.9% | 0.1% |
| Nexera Holding LLC | $1,915,000 | $3,275,000 | 71.0% | 0.1% |
| AmeriHomeMortgageCompany,LL | $725,000 | $3,225,000 | 344.8% | 0.1% |
| Pentagon Federal Credit Union | $2,230,000 | $3,155,000 | 41.5% | 0.1% |
| Watermark Home Loans | $1,255,000 | $3,140,000 | 150.2% | 0.1% |
| Wyndham Capital Mortgage | $2,555,000 | $3,075,000 | 20.4% | 0.1% |
| Village Capital & Investment | $3,040,000 | n/a | 0.1% | |
| Guaranteed Rate Affinity LLC | $1,415,000 | $3,015,000 | 113.1% | 0.1% |
| CIBC Bank USA | $3,005,000 | n/a | 0.1% | |
| Sun West Mortgage Company Inc. | $825,000 | $2,965,000 | 259.4% | 0.1% |
| Mountain West Financial Inc. | $2,510,000 | $2,920,000 | 16.3% | 0.1% |
| Credit Human Federal Credit Union | $3,330,000 | $2,910,000 | -12.6% | 0.1% |
| LIMA ONE CAPITAL, LLC | $2,815,000 | n/a | 0.1% | |
| San Mateo Credit Union | $1,595,000 | $2,715,000 | 70.2% | 0.1% |
| Amcap Mortgage Ltd. | $1,790,000 | $2,635,000 | 47.2% | 0.1% |
| Stifel Bank and Trust | $6,200,000 | $2,615,000 | -57.8% | 0.1% |
| iServe Residential Lending LLC | $385,000 | $2,595,000 | 574.0% | 0.1% |
| LendingHome Funding Corporation | $1,580,000 | $2,445,000 | 54.7% | 0.1% |
| HSBC BANK USA, NA | $485,000 | $2,405,000 | 395.9% | 0.1% |
| COMERICA BANK | $65,000 | $2,360,000 | 3,530.8% | 0.1% |
| Mortgage Research Center LLC | $2,090,000 | $2,330,000 | 11.5% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $2,870,000 | $2,295,000 | -20.0% | 0.1% |
| Private Mortgage Advisors, LLC | $1,955,000 | $2,290,000 | 17.1% | 0.1% |
| Bay Valley Mortgage Group DBA Pacific Bay Lending Group | $2,285,000 | n/a | 0.1% | |
| SnapFi, Inc. | $425,000 | $2,245,000 | 428.2% | 0.1% |
| Googain Inc. | $1,000,000 | $2,220,000 | 122.0% | 0.1% |
| LoanSnap Inc | $495,000 | $2,185,000 | 341.4% | 0.1% |
| First Technology Credit Union | $200,000 | $2,160,000 | 980.0% | 0.1% |
| Intercontinental Capital Group, Inc. | $495,000 | $2,125,000 | 329.3% | 0.1% |
| SoFi Lending Corp | $3,230,000 | $2,115,000 | -34.5% | 0.1% |
| First Western Trust Bank | $2,105,000 | n/a | 0.1% | |
| Reverse Mortgage Funding LLC | $1,245,000 | $2,105,000 | 69.1% | 0.1% |
| Infinity Equity Group, Inc | $2,100,000 | n/a | 0.1% | |
| Alterra Group LLC dba Alterra Home Loans | $1,275,000 | $2,095,000 | 64.3% | 0.1% |
| Kaiperm Diablo Federal CU | $2,050,000 | n/a | 0.1% | |
| Chevron Federal Credit Union | $3,585,000 | $2,040,000 | -43.1% | 0.1% |
| METROPOLITAN HOME MORTGAGE | $650,000 | $2,015,000 | 210.0% | 0.1% |
| San Francisco Fire Credit Union | $2,945,000 | $2,010,000 | -31.7% | 0.1% |
| Longbridge Financial, LLC | $680,000 | $1,975,000 | 190.4% | 0.1% |
| Technology Credit Union | $605,000 | $1,940,000 | 220.7% | 0.1% |
| Coast 2 Coast Funding Group Inc. | $1,935,000 | n/a | 0.1% | |
| Merchants Bank of Indiana | $1,935,000 | n/a | 0.1% | |
| North American Savings Bank | $1,150,000 | $1,930,000 | 67.8% | 0.0% |
| First Choice Loan Services Inc. | $3,295,000 | $1,910,000 | -42.0% | 0.0% |
| ARVEST BANK | $1,035,000 | $1,905,000 | 84.1% | 0.0% |
| First Guaranty Mortgage Corporation | $1,905,000 | n/a | 0.0% | |
| Pacific Service Credit Union | $750,000 | $1,895,000 | 152.7% | 0.0% |
| Xceed Financial Credit Union | $970,000 | $1,895,000 | 95.4% | 0.0% |
| Churchill Mortgage Corporation | $405,000 | $1,890,000 | 366.7% | 0.0% |
| Lakeview Community Capital, LLC | $315,000 | $1,890,000 | 500.0% | 0.0% |
| LenderFi, Inc. | $1,040,000 | $1,865,000 | 79.3% | 0.0% |
| First Savings Bank | $1,830,000 | n/a | 0.0% | |
| Draper and Kramer Mortgage Corp. | $1,825,000 | n/a | 0.0% | |
| Triad Financial Services Inc | $1,020,000 | $1,795,000 | 76.0% | 0.0% |
| Franklin Loan Center | $1,770,000 | n/a | 0.0% | |
| ML Mortgage | $1,745,000 | n/a | 0.0% | |
| NFM, Inc. | $1,705,000 | n/a | 0.0% | |
| Angel Oak Mortgage Solutions | $1,680,000 | n/a | 0.0% | |
| Third Federal Savings and Loan | $2,025,000 | $1,670,000 | -17.5% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $1,565,000 | $1,655,000 | 5.8% | 0.0% |
| Nationwide Mortgage Bankers Inc. | $1,640,000 | n/a | 0.0% | |
| PHH MORTGAGE CORPORATION | $820,000 | $1,640,000 | 100.0% | 0.0% |
| Tri-Emerald Financial Group Inc. | $1,620,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $1,570,000 | n/a | 0.0% | |
| CIT BANK N.A. | $2,475,000 | $1,520,000 | -38.6% | 0.0% |
| Cstone Mortgage Inc | $1,520,000 | n/a | 0.0% | |
| HighTechLending Inc. | $285,000 | $1,495,000 | 424.6% | 0.0% |
| Nations Lending Corporation | $1,490,000 | n/a | 0.0% | |
| Plaza Home Mortgage Inc. | $1,475,000 | n/a | 0.0% | |
| Star One Credit Union | $1,630,000 | $1,475,000 | -9.5% | 0.0% |
| Goldwater Bank National Association | $1,445,000 | n/a | 0.0% | |
| Sovereign Lending Group, Inc | $1,615,000 | $1,420,000 | -12.1% | 0.0% |
| First Northern Bank of Dixon | $415,000 | $1,405,000 | 238.6% | 0.0% |
| LUTHER BURBANK SAVINGS | $6,595,000 | $1,400,000 | -78.8% | 0.0% |
| Alaska USA Federal Credit Union | $1,395,000 | n/a | 0.0% | |
| Cf Bank National Association | $1,630,000 | $1,385,000 | -15.0% | 0.0% |
| MK LENDING CORP | $1,345,000 | n/a | 0.0% | |
| Platinum Home Mortgage Corporation | $1,340,000 | n/a | 0.0% | |
| Citywide Home Loans A Utah Corporation | $1,890,000 | $1,335,000 | -29.4% | 0.0% |
| S.F. Police Credit Union | $1,715,000 | $1,335,000 | -22.2% | 0.0% |
| Northpointe Bank | $435,000 | $1,305,000 | 200.0% | 0.0% |
| 5th Street Capital, Inc. | $5,545,000 | $1,260,000 | -77.3% | 0.0% |
| KeyBank National Association | $725,000 | $1,250,000 | 72.4% | 0.0% |
| NewDay Financial LLC dba NewDay USA | $970,000 | $1,240,000 | 27.8% | 0.0% |
| Michigan Mutual, Inc. DBA MiMutual Mortgage | $505,000 | $1,225,000 | 142.6% | 0.0% |
| Ethos Lending LLC | $455,000 | $1,205,000 | 164.8% | 0.0% |
| FBC Mortgage LLC | $1,205,000 | n/a | 0.0% | |
| M&T Bank | $1,205,000 | n/a | 0.0% | |
| Inspire Home Loans | $1,200,000 | n/a | 0.0% | |
| Barrington Bank & Trust | $1,280,000 | $1,195,000 | -6.6% | 0.0% |
| Open Mortgage LLC | $870,000 | $1,195,000 | 37.4% | 0.0% |
| San Francisco Federal Credit Union | $1,390,000 | $1,190,000 | -14.4% | 0.0% |
| On Q Financial Inc. | $1,665,000 | $1,180,000 | -29.1% | 0.0% |
| CalCon Mutual Mortgage LLC | $505,000 | $1,160,000 | 129.7% | 0.0% |
| Stanford Federal Credit Union | $485,000 | $1,160,000 | 139.2% | 0.0% |
| SAFE Credit Union | $1,145,000 | n/a | 0.0% | |
| NMSI Inc | $1,095,000 | n/a | 0.0% | |
| Willamette Valley Bank | $1,095,000 | n/a | 0.0% | |
| Beckham Funding Corp | $1,070,000 | n/a | 0.0% | |
| Nudge Funding LLC | $1,060,000 | n/a | 0.0% | |
| Absolute Home Mortgage Corporation | $1,050,000 | n/a | 0.0% | |
| ZB, N.A. | $995,000 | $1,040,000 | 4.5% | 0.0% |
| CBNA | $2,390,000 | $1,025,000 | -57.1% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $1,010,000 | n/a | 0.0% | |
| OCMBC Inc. | $1,010,000 | n/a | 0.0% | |
| Anheuser Busch Employees Credit Union | $75,000 | $1,005,000 | 1,240.0% | 0.0% |
| Mortgage Capital Partners Inc | $1,000,000 | n/a | 0.0% | |
| Quorum Federal Credit Union | $155,000 | $995,000 | 541.9% | 0.0% |
| JMJ Financial Group Inc. | $475,000 | $970,000 | 104.2% | 0.0% |
| Peoples Mortgage Company | $1,875,000 | $970,000 | -48.3% | 0.0% |
| San Diego County Credit Union | $965,000 | n/a | 0.0% | |
| Operating Engineers Federal Credit Union | $525,000 | $960,000 | 82.9% | 0.0% |
| Semper Home Loans, Inc | $960,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $950,000 | n/a | 0.0% | |
| Callisto Group, Inc. dba Metro Lending Services | $415,000 | $940,000 | 126.5% | 0.0% |
| First State Bank Of St. Charles Missouri | $930,000 | n/a | 0.0% | |
| Mortgage 1 Incorporated | $930,000 | n/a | 0.0% | |
| BM REAL ESTATE SERVICES, INC. | $1,450,000 | $910,000 | -37.2% | 0.0% |
| Sirva Mortgage Inc. | $1,100,000 | $900,000 | -18.2% | 0.0% |
| Axia Financial LLC | $890,000 | n/a | 0.0% | |
| Low VA Rates | $840,000 | n/a | 0.0% | |
| First Home Bank | $625,000 | $820,000 | 31.2% | 0.0% |
| SchoolsFirst Federal Credit Union | $815,000 | n/a | 0.0% | |
| Embrace Home Loans, Inc. | $415,000 | $805,000 | 94.0% | 0.0% |
| Athas Capital Group | $1,575,000 | $785,000 | -50.2% | 0.0% |
| Amerifirst Financial Inc. | $365,000 | $770,000 | 111.0% | 0.0% |
| Connexus Credit Union | $110,000 | $770,000 | 600.0% | 0.0% |
| Premia Mortgage, LLC | $765,000 | n/a | 0.0% | |
| Credit Union Mortgage Association Inc. | $760,000 | n/a | 0.0% | |
| Val-Chris Investments Inc | $760,000 | n/a | 0.0% | |
| BMO Harris Bank N.A. | $755,000 | n/a | 0.0% | |
| Coastal Funding SLC Inc. | $465,000 | $755,000 | 62.4% | 0.0% |
| First Colony Mortgage Corporation | $750,000 | n/a | 0.0% | |
| WesBanco Bank, Inc. | $745,000 | n/a | 0.0% | |
| American Financial Resources Inc. | $740,000 | n/a | 0.0% | |
| Meriwest Mortgage Co. LLC | $735,000 | n/a | 0.0% | |
| 21ST MORTGAGE | $1,560,000 | $715,000 | -54.2% | 0.0% |
| Calculated Risk Analytics LLC dba Excelerate Capital | $1,450,000 | $695,000 | -52.1% | 0.0% |
| Pinnacle Bank | $680,000 | n/a | 0.0% | |
| United Northern Mortgage Bankers Limited | $675,000 | n/a | 0.0% | |
| American Financing Corporation | $660,000 | n/a | 0.0% | |
| Proponent FCU | $660,000 | n/a | 0.0% | |
| Civic Financial Services | $1,410,000 | $650,000 | -53.9% | 0.0% |
| Kwik Mortgage Corp. | $650,000 | n/a | 0.0% | |
| Flat Branch Mortgage Inc. | $640,000 | n/a | 0.0% | |
| Academy Mortgage Corporation | $505,000 | $630,000 | 24.8% | 0.0% |
| Veritas Funding LLC | $625,000 | n/a | 0.0% | |
| Directors Mortgage, Inc. | $555,000 | $605,000 | 9.0% | 0.0% |
| MLD Mortgage Inc. | $605,000 | n/a | 0.0% | |
| Self-Help Credit Union | $315,000 | $605,000 | 92.1% | 0.0% |
| Performance Financial, Inc. | $595,000 | n/a | 0.0% | |
| Lenox Financial Mortgage Corp. | $225,000 | $580,000 | 157.8% | 0.0% |
| BNY MELLON, N.A. | $1,720,000 | $575,000 | -66.6% | 0.0% |
| LeaderOne Financial Corp. | $565,000 | n/a | 0.0% | |
| Safeamerica Credit Union | $555,000 | n/a | 0.0% | |
| Wall Financial dba WinPrime Lending | $1,050,000 | $555,000 | -47.1% | 0.0% |
| Home First Mortgage Bankers | $550,000 | n/a | 0.0% | |
| UMB BANK NA | $525,000 | n/a | 0.0% | |
| American Bank & Trust | $515,000 | n/a | 0.0% | |
| AMERIS BANK | $515,000 | n/a | 0.0% | |
| Florida Capital Bank National Association | $595,000 | $515,000 | -13.4% | 0.0% |
| Home Mortgage Alliance, LLC | $515,000 | n/a | 0.0% | |
| NationsChoice Mortgage | $1,345,000 | $515,000 | -61.7% | 0.0% |
| Peoples Bank | $515,000 | n/a | 0.0% | |
| Logix Federal Credit Union | $200,000 | $510,000 | 155.0% | 0.0% |
| Congressional Federal Credit Union | $505,000 | n/a | 0.0% | |
| Mid America Mortgage Inc. | $285,000 | $505,000 | 77.2% | 0.0% |
| Family First Funding LLC | $495,000 | n/a | 0.0% | |
| MIDWEST COMMUNITY BANK | $495,000 | n/a | 0.0% | |
| V.I.P. Mortgage Inc. | $495,000 | n/a | 0.0% | |
| First Entertainment Credit Union | $485,000 | n/a | 0.0% | |
| Pike Creek Mortgage Services, Inc. | $485,000 | n/a | 0.0% | |
| Planet Home Lending LLC | $1,060,000 | $485,000 | -54.2% | 0.0% |
| 1st Northern California Credit Union | $465,000 | n/a | 0.0% | |
| Loan Simple Inc | $465,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants Inc. | $455,000 | n/a | 0.0% | |
| Bank of England | $455,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $4,800,000 | $455,000 | -90.5% | 0.0% |
| First Mortgage Solutions LLC | $840,000 | $455,000 | -45.8% | 0.0% |
| Intercap Lending Inc | $455,000 | n/a | 0.0% | |
| Provident Savings Bank F.S.B. | $455,000 | n/a | 0.0% | |
| Wall Street Mortgage Bankers LTD | $455,000 | n/a | 0.0% | |
| Advantis Credit Union | $915,000 | $445,000 | -51.4% | 0.0% |
| Bank of Hope | $445,000 | n/a | 0.0% | |
| Lending 3 Inc | $445,000 | $445,000 | 0.0% | 0.0% |
| Discover Bank | $360,000 | $440,000 | 22.2% | 0.0% |
| Capital Mortgage Services of Texas | $435,000 | n/a | 0.0% | |
| Highlands Residential Mortgage Ltd | $435,000 | n/a | 0.0% | |
| Prosperity Home Mortgage LLC | $435,000 | n/a | 0.0% | |
| Best Capital Funding | $1,140,000 | $425,000 | -62.7% | 0.0% |
| Augusta Financial Inc. | $575,000 | $415,000 | -27.8% | 0.0% |
| Mortgage 2000 Inc. | $415,000 | n/a | 0.0% | |
| Sea West Coast Guard Federal Credit Union | $55,000 | $415,000 | 654.5% | 0.0% |
| BANK OF MARIN | $2,440,000 | $405,000 | -83.4% | 0.0% |
| Financail Funding Solutions, Inc | $525,000 | $405,000 | -22.9% | 0.0% |
| KINECTA FEDERAL CREDIT UNION | $405,000 | n/a | 0.0% | |
| Texana Bank, N.A. | $405,000 | n/a | 0.0% | |
| ANGEL OAK HOME LOANS LLC | $385,000 | n/a | 0.0% | |
| CALCAP Lending, LLC | $245,000 | $385,000 | 57.1% | 0.0% |
| Paramount Bank | $385,000 | n/a | 0.0% | |
| Premier Mortgage Resources LLC | $2,900,000 | $375,000 | -87.1% | 0.0% |
| T. J. FINANCIAL, INC. | $385,000 | $375,000 | -2.6% | 0.0% |
| Homestead Funding Corp. | $365,000 | n/a | 0.0% | |
| Global Credit Union | $185,000 | $360,000 | 94.6% | 0.0% |
| BANK OF STOCKTON | $1,900,000 | $355,000 | -81.3% | 0.0% |
| Farmers Bank & Trust | $355,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $345,000 | n/a | 0.0% | |
| Essex Mortgage | $335,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $335,000 | n/a | 0.0% | |
| All Reverse Mortgage Inc | $1,190,000 | $325,000 | -72.7% | 0.0% |
| Homeside Financial LLC | $325,000 | n/a | 0.0% | |
| NEW WAVE LENDING GROUP INC | $305,000 | $315,000 | 3.3% | 0.0% |
| Firefighters First Credit Union | $565,000 | $305,000 | -46.0% | 0.0% |
| Partners Federal Credit Union | $505,000 | $275,000 | -45.5% | 0.0% |
| SPRING EQ, LLC | $325,000 | $275,000 | -15.4% | 0.0% |
| E Mortgage Management LLC | $610,000 | $265,000 | -56.6% | 0.0% |
| RANLife, Inc. | $265,000 | n/a | 0.0% | |
| Reliance First Capital LLC | $245,000 | n/a | 0.0% | |
| KeyPoint Credit Union | $285,000 | $225,000 | -21.1% | 0.0% |
| AUSTIN CAPITAL BANK SSB | $215,000 | n/a | 0.0% | |
| Boeing Employees' Credit Union (BECU) | $205,000 | n/a | 0.0% | |
| Thrivent Federal Credit Union | $205,000 | n/a | 0.0% | |
| Heartland Bank and Trust Co | $205,000 | $195,000 | -4.9% | 0.0% |
| Oceanside Mortgage Company | $185,000 | n/a | 0.0% | |
| Superior Choice Credit Union | $175,000 | n/a | 0.0% | |
| Sunstreet Mortgage LLC | $165,000 | n/a | 0.0% | |
| Keller Mortgage LLC | $950,000 | $155,000 | -83.7% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC | $155,000 | n/a | 0.0% | |
| HomeTrust Bank | $55,000 | $140,000 | 154.5% | 0.0% |
| American Residential Lending | $135,000 | n/a | 0.0% | |
| top flite financial, inc. | $495,000 | $135,000 | -72.7% | 0.0% |
| Mackillie Inc | $125,000 | n/a | 0.0% | |
| Murphy Bank | $105,000 | $120,000 | 14.3% | 0.0% |
| Clearview Federal Credit Union | $55,000 | n/a | 0.0% | |
| Northwest Federal Credit Union | $55,000 | n/a | 0.0% |
NAPA's top lender by overall market share is Quicken Loans, with 9.2% market share. In second place, with 8.7%, is FIRST REPUBLIC BANK, having originated $337,060,000 in loans. In third place, with 7.4%, is United Shore Financial Services LLC, having originated $285,175,000 in loans. In third place, with 5.4%, is Flagstar Bank, having originated $207,295,000 in loans. In third place, with 5.4%, is WELLS FARGO BANK NA, having originated $207,230,000 in loans.
NAPA, CA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Refi | 4,031 | $2,005,055,000 | $497,409 |
| Cash Out Refi | 1,587 | $737,405,000 | $464,653 |
| Home Purchase | 1,365 | $961,685,000 | $704,531 |
| Other | 230 | $118,560,000 | $515,478 |
| Home Improvement | 203 | $44,665,000 | $220,025 |
Napa's most frequently cited loan purpose was Refi, with 4,031 originations. The 2nd most popular reason was Cash Out Refi, with 1,587 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 3,223 | $1,647,235,000 | $511,087 |
| 2.5-3% | 3,001 | $1,593,385,000 | $530,951 |
| <2.5% | 642 | $385,460,000 | $600,405 |
| 4-5% | 310 | $144,470,000 | $466,032 |
| 5-6% | 102 | $29,750,000 | $291,667 |
| 6-7% | 54 | $10,550,000 | $195,370 |
| 7-8% | 23 | $5,885,000 | $255,870 |
| Over 8% | 22 | $17,560,000 | $798,182 |
During 2020, Napa's most frequently originated rate bucket was 3-4%, with 3,223 originations.
Loan Sizing (NAPA, CA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 2,889 | $1,405,295,000 | $486,430 |
| $200k-400k | 2,326 | $735,420,000 | $316,174 |
| $600k-1000k | 1,145 | $815,205,000 | $711,969 |
| $100k-200k | 452 | $68,850,000 | $152,323 |
| $Over $1MM | 382 | $830,030,000 | $2,172,853 |
| $100,000 or less | 222 | $12,570,000 | $56,622 |
NAPA's loan sizing saw the bucket of loans from $400k-600k with 2,889 originations, totaling $1,405,295,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 2,453 | $1,494,645,000 | $609,313 |
| 40-60% | 2,181 | $1,106,455,000 | $507,315 |
| 80-100% | 1,108 | $651,760,000 | $588,231 |
| 20-40% | 1,009 | $428,395,000 | $424,574 |
| Under 20% | 489 | $102,505,000 | $209,622 |
| Over 100% | 21 | $12,395,000 | $590,238 |
NAPA's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 2,453 originations, totaling $1,494,645,000 in origination value.