Licensed · Napa
Licensed & Insured Mortgage Brokers in Napa, CA
Every mortgage brokers listed here carries proper licensing and insurance in CA. Protect yourself — always verify credentials before work begins.
As of July 2026, RatingsNearMe ranks 17 mortgage brokers in Napa, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Solcosta Home Loans with a 5.0-star rating from 213 Google reviews and an RNM Score of 99/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Solcosta Home Loans
Solcosta Home Loans stands out as the top-ranked mortgage broker in Napa due to its strong reputation for personalized service and local expertise.
Most Reviewed
Solcosta Home Loans
Having the most reviews indicates a high volume of client experience and trust, which can help you gauge service consistency and reliability.
When choosing a mortgage broker in Napa, compare loan options and fees from multiple brokers, and prioritize those with strong local knowledge and transparent communication to ensure a smooth home financing process.
Local Market Snapshot
17
Businesses listed
5★
Avg rating
28
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Napa mortgage broker with a perfect 5.0-star rating from over 200 reviews.
1030 Seminary St Suite A2, Napa, CA 94559, USATop-rated Napa mortgage broker with a perfect 5.0 rating from 45 reviews.
1300 1st St Suite 368, Napa, CA 94559, USA5.0-star rating from 43 reviews, reflecting exceptional client satisfaction.
1775 Lincoln Ave, Napa, CA 94558, USAMortgage 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 | Mortgage Solutions, Inc1775 Lincoln Ave, Napa, CA 94559, USA | 5.0★ | 25 |
| #5 | Shamrock Mortgage Solutions Sean Marek1832 Soscol Ave #111, Napa, CA 94559, USA | 4.8★ | 23 |
| #6 | Napa Mortgage1290 Jefferson St Unit D, Napa, CA 94559, USA | 5.0★ | 7 |
| #7 | Napa Valley Lending5230 Country Ln, Napa, CA 94558, USA | 5.0★ | 2 |
| #8 | Legacy Mortgage Capital powered by AHL - Stacey Larson, Senior Loan Officer1878 El Centro Ave, Napa, CA 94558, USA | 5.0★ | 19 |
| #9 | Primary Residential Mortgage, Inc.2015 Redwood Rd #4, Napa, CA 94558, USA | 5.0★ | 11 |
| #10 | Thomas Coakley | Fairway Independent Mortgage Corporation Loan Officer2045 Jefferson St Suite I, Napa, CA 94559, USA | 5.0★ | 4 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Napa
5.0★ from 25 reviews, earning top marks from local clients.
1775 Lincoln Ave, Napa, CA 94559, USA
Trusted by clients with a 4.8-star rating from over 20 reviews.
1832 Soscol Ave #111, Napa, CA 94559, USA
Napa mortgage broker with a 5.0-star rating from 7 reviews.
1290 Jefferson St Unit D, Napa, CA 94559, USA
Exceptional 5.0-star rating based on 2 Google reviews.
5230 Country Ln, Napa, CA 94558, USA
5.0-star rating from 19 Google reviews in Napa.
1878 El Centro Ave, Napa, CA 94558, USA
Napa mortgage broker with a flawless 5.0-star rating from 11 Google reviews.
2015 Redwood Rd #4, Napa, CA 94558, USA
5.0 stars from 4 reviews, reflecting exceptional client satisfaction in Napa.
2045 Jefferson St Suite I, Napa, CA 94559, USA
Napa mortgage broker with 0 Google reviews and no customer rating yet.
5 Financial Plaza Ste 104, Napa, CA 94558, USA
5.0-star rating from 11 Google reviews reflects exceptional client satisfaction.
5 Financial Plaza Ste 104, Napa, CA 94558, USA
5.0-star rating from 3 reviews, reflecting exceptional client satisfaction.
3860 Broadway #103, American Canyon, CA 94503, USA
Rated 5.0 stars from 20 Google reviews, this Napa broker is highly trusted.
4040 Civic Center Dr Suite 200, San Rafael, CA 94903, USA
5.0-star rating from 17 Google reviews reflects exceptional client service.
5 Financial Plaza Ste 104, Napa, CA 94558, USA
Top-rated mortgage broker in Napa with a perfect 5.0-star rating from 10 Google reviews.
1455 1st St Suite 216 Office #4, Napa, CA 94559, USA
Holds a perfect 5.0-star rating from early customer reviews in Napa.
5 Financial Plaza Suite 227, Napa, CA 94558, USA
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Mortgage Brokers in Napa, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Solcosta Home Loans | 99/100 | 5.0 ★ | 213 |
| 2 | Custom Lending Group | 91/100 | 5.0 ★ | 45 |
| 3 | Hilda Hensley-Hensley Mortgage Group | 91/100 | 5.0 ★ | 43 |
| 4 | Mortgage Solutions, Inc | 88/100 | 5.0 ★ | 25 |
| 5 | Shamrock Mortgage Solutions Sean Marek | 84/100 | 4.8 ★ | 23 |
| 6 | Napa Mortgage | 73/100 | 5.0 ★ | 7 |
| 7 | Napa Valley Lending | 76/100 | 5.0 ★ | 2 |
| 8 | Legacy Mortgage Capital powered by AHL - Stacey Larson, Senior Loan Officer | 75/100 | 5.0 ★ | 19 |
| 9 | Primary Residential Mortgage, Inc. | 72/100 | 5.0 ★ | 11 |
| 10 | Thomas Coakley | Fairway Independent Mortgage Corporation Loan Officer | 67/100 | 5.0 ★ | 4 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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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: July 4, 2026.
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