Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Napa County, California
Every institution that decided a 1–4 unit mortgage application in Napa County between 2023 and 2025: 6,383 applications, 4,762 loans actually funded, across 8 kinds of borrowing.
Napa County at a glance
6,383Applications decided
2023–2025
4,762Loans funded
75% of decisions
40Census tracts
6 ZIP codes
136,070People
ACS 2023
What the data shows
The typical purchase mortgage here is $645K.
Investment home improvement is the hardest money to get here: lenders approved 68% of 110 applications.
Lending by loan type in Napa County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.3% | 2,514 | $645K | 92% | 217 |
| Home improvement loans | 68.7% | 1,063 | $105K | 91% | 88 |
| Cash-out refinance | 72.4% | 1,150 | $175K | 94% | 154 |
| Refinance | 78.4% | 726 | $555K | 94% | 138 |
| Investment property purchase | 89.5% | 447 | $595K | 95% | 125 |
| Investment cash-out refinance | 75.8% | 219 | $485K | 95% | 84 |
| Investment refinance | 79.2% | 154 | $675K | 93% | 66 |
| Investment home improvement | 68.2% | 110 | $155K | 96% | 36 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.