Lender in California · HMDA 2025
Googain, Inc. mortgages in California
Googain, Inc.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Googain, Inc. originated 606 owner-occupied single-family loans in California from 613 completed applications.
Its median conventional purchase loan costs were $6,190 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
606
of 613 applications
Denial rate
1.1%
Purchase · CA 8.9%
Rate spread
+0.05 pts
Conv. · CA +0.09 pts
Loan amount
$775,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 284 | 280 | 1.1% | 6.625% | +0.05 pts | $6,190 | $775,000 |
| Refinance | 296 | 293 | 0.7% | 6.375% | −0.06 pts | $2,880 | $725,000 |
| Cash-out refinance | 33 | 33 | 0.0% | 6.750% | +0.31 pts | $2,990 | $485,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Googain, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Santa Clara County | 12 | 231 | 1.4% |
| Alameda County | 24 | 119 | 0.9% |
| San Mateo County | 25 | 38 | 0.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology