Verified · Napa
Trusted Mortgage Brokers in Napa, CA
Trust matters when you're inviting a pro into your home or business. These mortgage brokers in Napa have earned it through hundreds of verified reviews.
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 | 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 | Mortgage Solutions, Inc1775 Lincoln Ave, Napa, CA 94559, USA | 5.0★ | 25 |
| #9 | Marin Mortgage Brokers4040 Civic Center Dr Suite 200, San Rafael, CA 94903, USA | 5.0★ | 20 |
| #10 | Linda Zaiss at Rate (NMLS #8991)1455 1st St Suite 216 Office #4, Napa, CA 94559, USA | 5.0★ | 10 |
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
Shamrock Mortgage Solutions Sean Marek
1832 Soscol Ave #111, Napa, CA 94559, USA
Marin Mortgage Brokers
4040 Civic Center Dr Suite 200, San Rafael, CA 94903, USA
Linda Zaiss at Rate (NMLS #8991)
1455 1st St Suite 216 Office #4, Napa, CA 94559, 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
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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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