Largest lenders in Napa County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Redwood | C | 283 | 172 | 14.8% | 8.00% |
| 2 | United Shore Financial Services | B | 204 | 155 | 9.8% | 6.58% |
| 3 | Rocket Mortgage | C | 174 | 123 | 19.0% | 6.75% |
| 4 | Bank of America | F | 142 | 52 | 28.2% | 6.24% |
| 5 | Guaranteed Rate | B | 142 | 79 | 7.0% | 6.60% |
| 6 | CMG Mortgage | A | 98 | 57 | 3.1% | 6.75% |
| 7 | U.S. Bank | D | 91 | 48 | 23.1% | 6.49% |
| 8 | Spring Eq | D | 89 | 32 | 50.6% | 9.46% |
| 9 | Loandepot.Com | D | 74 | 55 | 14.9% | 6.38% |
| 10 | Dhi Mortgage Company | B | 74 | 59 | 1.4% | 5.63% |
| 11 | The Golden 1 | D | 66 | 31 | 39.4% | 7.75% |
| 12 | JPMorgan Chase Bank | B | 60 | 40 | 10.0% | 6.63% |
| 13 | Triad Financial Services | D | 59 | 19 | 23.7% | 8.53% |
| 14 | Pennymac Loan Services | C | 53 | 36 | 9.4% | 6.56% |
| 15 | Coastal Community Bank | C | 53 | 6 | 0.0% | 8.99% |
| 16 | BMO Bank | F | 53 | 20 | 41.5% | 7.89% |
| 17 | Crosscountry Mortgage | B | 52 | 35 | 3.9% | 6.88% |
| 18 | American Pacific Mortgage | C | 51 | 40 | 3.9% | 6.88% |
| 19 | Newrez | D | 50 | 16 | 14.0% | 6.88% |
| 20 | Wells Fargo Bank | B | 49 | 31 | 16.3% | 5.88% |
| 21 | 21st Mortgage | F | 49 | 3 | 44.9% | 8.97% |
| 22 | Sofi Bank | D | 38 | 11 | 5.3% | 7.49% |
| 23 | Umpqua Bank | C | 37 | 18 | 29.7% | 8.25% |
| 24 | Figure Lending | C | 37 | 17 | 37.8% | 9.60% |
| 25 | Nationstar Mortgage | C | 35 | 19 | 25.7% | 8.50% |
Best approval odds in Napa County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Dhi Mortgage Company | 61 | 1.6% |
| 2 | CMG Mortgage | 72 | 4.2% |
| 3 | Guaranteed Rate | 94 | 10.6% |
| 4 | United Shore Financial Services | 179 | 11.2% |
| 5 | Loandepot.Com | 68 | 16.2% |
| 6 | Redwood | 223 | 18.8% |
| 7 | Rocket Mortgage | 163 | 20.3% |
| 8 | Triad Financial Services | 59 | 23.7% |
| 9 | U.S. Bank | 72 | 29.2% |
| 10 | The Golden 1 | 60 | 43.3% |
What Napa County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Napa County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,874 | 1,602 | 18.4% | 7.00% | $305,000 |
| 2024 | 3,176 | 1,808 | 19.8% | 7.00% | $355,000 |
| 2025 | 3,568 | 1,997 | 17.1% | 6.88% | $405,000 |
Frequently asked questions
17.1% of applications in Napa County were denied in 2025, against 17.4% statewide in California.
Redwood, with 283 applications in 2025 and a denial rate of 14.8%.
The median mortgage application in Napa County in 2025 was for $405,000; the median property value on originated loans was $895,000.