Investment property improvement lenders in Napa County, California
Fat Boy Data analyzed investment home improvement loan activity in Napa County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 110 applications were decided by 36 lenders between 2023 and 2025.
Napa County at a glance
How Napa County compares
What the data shows
Redwood made the most investment home improvement loans in Napa County, CA, 20 of them.
That is 28% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
Redwood approved the highest share of applications among lenders with at least 20 decisions here, 71% of 28.
Lenders approved 68.2% of investment home improvement loan applications in Napa County, CA, 15.7 percentage points above the California rate of 52.5%.
The typical investment home improvement loan here is $155K, 15% larger than the California typical of $135K.
No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Investment property improvement lenders in Napa County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Redwood | 71% | 20 / 28 | 100% | $125K | 20 |
| 2 | BMO Bank National AssociationLimited sample | 25% | 2 / 8 | 100% | $25K | 2 |
| 3 | Spring Eq, LLCLimited sample | 38% | 3 / 8 | 100% | $305K | 3 |
| 4 | Figure Lending LLCLimited sample | 100% | 6 / 6 | 83% | $155K | 5 |
| 5 | Bank of America, National AssociationLimited sample | 0% | 0 / 5 | — | — | 0 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 31 more lenders.
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You are seeing the 5 largest investment home improvement loan lenders in Napa County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
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