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2024 data HMDA 2024 disclosure official source

Napa County

3,462 mortgage applications, 18.1% denial rate. Verify FIPS 06055 with U.S. Census Bureau →

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California · FIPS 06055

Local mortgage market. Napa County, California saw 3,462 HMDA-reported mortgage applications in 2024. Lenders originated 1,806 of those loans and denied 628, producing a denial rate of 18.1% and an approval (origination) rate of 52.2%. The average loan amount was $520,465 at an average note rate of 7.44%, with applicants self-reporting average annual income of $39K. 218 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 13.3x, meaning typical borrowers took on mortgages of about 13.3 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 06055 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,462
Applications
1,806
Originated
18.1%
Denial Rate
52.2%
Approval Rate
$520,465
Avg Loan Amount
7.44%
Avg Interest Rate
$39K
Avg Applicant Income
13.3x
Loan-to-Income Ratio

Nearby Lenders in Napa County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 United Wholesale Mortgage 152 8.4%
2 Redwood Credit Union 140 7.8%
3 Rocket Mortgage 110 6.1%
4 DHI Mortgage Company, LTD. 89 4.9%
5 Guaranteed Rate, INC. 81 4.5%
Compare United Wholesale Mortgage vs Redwood Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Napa County?
In the 2024 HMDA reporting year, 3,462 mortgage applications were filed in Napa County, California. Of these, 1,806 were originated (approved and funded), while 628 were denied, resulting in a denial rate of 18.1%.
What is the mortgage denial rate in Napa County?
The mortgage denial rate in Napa County is 18.1%. The approval (origination) rate is 52.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Napa County?
The average mortgage loan amount in Napa County is $520,465. The average interest rate is 7.444%. The average applicant income is $39K.
What is the loan-to-income ratio in Napa County?
The average loan-to-income ratio in Napa County is 13.3x, meaning borrowers took on loans averaging 13.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Napa County?
The top mortgage lenders in Napa County by origination volume are United Wholesale Mortgage, Redwood Credit Union, Rocket Mortgage. In total, 218 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.