Gain Federal Credit Union in California vs the state
22.2%Denial rate+4.80 pts vs state
25.4%Decision denial rate+2.98 pts vs state
65.3%Origination rate+9.13 pts vs state
4.99%Median rate-1.63 pts vs state
-2.20Rate spread (pts)-2.47 pts vs state
$144kMedian applicant income
147Loans originated
50Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 260 | 124 | 30.0% | 2.99% | #308 |
| 2024 | 142 | 85 | 25.4% | 8.50% | #391 |
| 2025 | 225 | 147 | 22.2% | 4.99% | #350 |
What Gain Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Gain Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 190 | 123 | 43 | 22.6% |
| Ventura County | 10 | 9 | 1 | 10.0% |
| San Bernardino County | 8 | 4 | 1 | 12.5% |
| Orange County | 4 | 3 | 1 | 25.0% |
| Kern County | 4 | 2 | 1 | 25.0% |
| Riverside County | 3 | 2 | 1 | 33.3% |
| San Luis Obispo County | 2 | 2 | 0 | 0.0% |
| Santa Clara County | 1 | 1 | 0 | 0.0% |
| Santa Barbara County | 1 | 0 | 1 | 100.0% |
| Tuolumne County | 1 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 225 applications in 2025, of which 147 were originated and 50 denied.
22.2% of all applications, or 25.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Gain Federal Credit Union originated in California in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Gain Federal Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology