Mortgage lending in Napa County, California
Lenders in Napa County, California reported 3,568 mortgage applications for 2025, according to the CFPB.
3,568 mortgage applications and 1,997 loans originated in 2025; the denial rate was 22.1% of 2,760 applications decided. The median loan was about $485,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Napa, CA MSA.
- 3,568
- Applications
- 1,997
- Loans originated
- 22.1%
- Denial rate
- 610 denied of 2,760 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,568 | 1,997 |
| 2024 | 3,176 | 1,808 |
| 2023 | 2,874 | 1,602 |
| 2022 | 5,016 | 2,960 |
| 2021 | 11,353 | 7,472 |
| 2020 | 11,535 | 7,441 |
| 2019 | 7,075 | 4,371 |
| 2018 | 5,897 | 3,411 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Redwood Credit Union | 172 | 283 |
| United Wholesale Mortgage | 155 | 204 |
| Rocket Mortgage | 123 | 174 |
| Guaranteed Rate, Inc. | 79 | 142 |
| DHI Mortgage Company, LTD. | 59 | 74 |
| CMG Mortgage Inc | 57 | 98 |
| loanDepot.com LLC | 55 | 74 |
| Bank of America NA | 52 | 142 |
| US Bank, N.A. | 48 | 91 |
| American Pacific Mortgage Corporation | 40 | 51 |
| JPMorgan Chase Bank, NA | 40 | 60 |
| Pennymac Loan Services LLC | 36 | 53 |
| Crosscountry Mortgage, LLC | 35 | 52 |
| Spring Eq, LLC | 32 | 89 |
| The Golden 1 Credit Union | 31 | 66 |
| Wells Fargo Bank NA | 31 | 49 |
| Bank of Marin | 25 | 32 |
| Travis Credit Union | 24 | 29 |
| The Loan Store, Inc | 21 | 35 |
| Alameda Mortgage Corporation | 21 | 31 |
| BMO Harris Bank NA | 20 | 53 |
| STG Mortgage Inc | 20 | 30 |
| Triad Financial Services, Inc. | 19 | 59 |
| Nationstar Mortgage | 19 | 35 |
| Morgan Stanley Private Bank NA | 18 | 24 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 35 | no rate: base under 50 |
| Asian | 339 | 23.6% of 263 decided |
| Black or African American | 48 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | 16 | no rate: base under 50 |
| White | 2,158 | 20.4% of 1,717 decided |
| 2 or more minority races | withheld | |
| Joint | 116 | 16.7% of 96 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 842 | 25.1% of 601 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 520 | 29.8% of 396 decided |
| Not Hispanic or Latino | 2,196 | 20.5% of 1,750 decided |
| Joint | 109 | 14.1% of 85 decided |
| Ethnicity Not Available | 743 | 22.9% of 529 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 987 | 25.2% of 731 decided |
| Female | 736 | 27.8% of 575 decided |
| Joint | 1,489 | 17.3% of 1,211 decided |
| Sex Not Available | 356 | 23.5% of 243 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 37 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved