Googain at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
96th0.5% deniedPricingmedian rate spread over APOR, weight 30%
82nd0.00 ptsProcesswithdrawn + incomplete share, weight 15%
37th14.5%Closing coststotal loan costs ÷ loan amount, weight 10%
94th0.55% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 446 | 366 | 0.5% | 0.5% | 6.75% | $213M |
| 2024 | 872 | 783 | 0.0% | 0.0% | 6.63% | $509M |
| 2025 | 1,140 | 968 | 0.4% | 0.5% | 6.49% | $717M |
What Googain lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 389 investment properties.
Why Googain denies applications
Primary reason reported for each of the 5 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Googain
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 38 | 32 | 0.0% |
| $100k – $150k | 91 | 73 | 1.4% |
| $150k – $250k | 337 | 283 | 1.1% |
| Over $250k | 598 | 516 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 258 | 215 | 0.9% |
| 35–44 | 362 | 302 | 0.7% |
| 45–54 | 348 | 306 | 0.0% |
| 55–64 | 146 | 123 | 0.0% |
Where Googain lends
7 states and 50 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 1,101 | 933 | 0.5% | 6.49% | #161 |
| Washington | 11 | 10 | 0.0% | 6.50% | #449 |
| Texas | 10 | 8 | 0.0% | 6.63% | #961 |
| Arizona | 8 | 8 | 0.0% | 6.56% | #541 |
| Florida | 7 | 6 | 0.0% | 7.13% | #1,004 |
Frequently asked questions
Googain denied 0.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 96th percentile of small mortgage lenders.
The most common reason Googain gave in 2025 was "other", cited on 60.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Googain originated in 2025 was 6.49%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 42% of its applications were for home purchases, 58% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.