Best Value · Napa
Affordable Mortgage Brokers in Napa, CA
Find quality mortgage brokers that fit your budget. Compare prices, read reviews, and request free quotes — no obligation.
As of May 2026, RatingsNearMe ranks 17 mortgage brokers in Napa, CA by verified customer ratings and review volume. The highest-rated is Solcosta Home Loans with a 5.0-star rating from 213 verified reviews. Also in the top tier: Custom Lending Group and Hilda Hensley-Hensley Mortgage Group. The average rating across all listed mortgage brokers in Napa is 5 stars from 28 reviews per business on average.
Mortgage brokers in Napa: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
17
Businesses listed
5★
Avg rating
28
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Solcosta Home Loans
1030 Seminary St Suite A2, Napa, CA 94559, USA
Hilda Hensley-Hensley Mortgage Group
1775 Lincoln Ave, Napa, CA 94558, USA
Mortgage Brokers Rankings in Napa, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Solcosta Home Loans1030 Seminary St Suite A2, Napa, CA 94559, USA | 5.0★ | 213 |
| #2 | Custom Lending Group1300 1st St Suite 368, Napa, CA 94559, USA | 5.0★ | 45 |
| #3 | Hilda Hensley-Hensley Mortgage Group1775 Lincoln Ave, Napa, CA 94558, USA | 5.0★ | 43 |
| #4 | Reina Perkins at Rate (NMLS #856071)5 Financial Plaza Ste 104, Napa, CA 94558, USA | 5.0★ | 17 |
| #5 | Legacy Mortgage Capital powered by AHL - Stacey Larson, Senior Loan Officer1878 El Centro Ave, Napa, CA 94558, USA | 5.0★ | 19 |
| #6 | Primary Residential Mortgage, Inc.2015 Redwood Rd #4, Napa, CA 94558, USA | 5.0★ | 11 |
| #7 | Thomas Coakley | Fairway Independent Mortgage Corporation Loan Officer2045 Jefferson St Suite I, Napa, CA 94559, USA | 5.0★ | 4 |
| #8 | Rate5 Financial Plaza Ste 104, Napa, CA 94558, USA | — | — |
| #9 | Judy Bickell at Guaranteed Rate5 Financial Plaza Ste 104, Napa, CA 94558, USA | 5.0★ | 11 |
| #10 | Martha PedrozaRamos5 Financial Plaza Suite 227, Napa, CA 94558, USA | 5.0★ | 1 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Napa
Reina Perkins at Rate (NMLS #856071)
5 Financial Plaza Ste 104, Napa, CA 94558, USA
Legacy Mortgage Capital powered by AHL - Stacey Larson, Senior Loan Officer
1878 El Centro Ave, Napa, CA 94558, USA
Primary Residential Mortgage, Inc.
2015 Redwood Rd #4, Napa, CA 94558, USA
Thomas Coakley | Fairway Independent Mortgage Corporation Loan Officer
2045 Jefferson St Suite I, Napa, CA 94559, USA
Martha PedrozaRamos
5 Financial Plaza Suite 227, Napa, CA 94558, USA
Marin Mortgage Brokers
4040 Civic Center Dr Suite 200, San Rafael, CA 94903, USA
Shamrock Mortgage Solutions Sean Marek
1832 Soscol Ave #111, Napa, CA 94559, USA
Linda Zaiss at Rate (NMLS #8991)
1455 1st St Suite 216 Office #4, Napa, CA 94559, USA
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Frequently Asked Questions — Mortgage Brokers in Napa
What does a mortgage broker do differently than going directly to a bank in Napa?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Napa?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in CA?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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