Gain Federal Credit Union mortgage approval rate & lending review
Gain Federal Credit Union decided 338 mortgage applications and funded 239 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Gain Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Gain Federal Credit Union at a glance
Approval is 5.8 points above the 66.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 62% | 16 / 26 | 94% | $355K | 15 |
| Home improvement loans | 76% | 170 / 224 | 99% | $155K | 169 |
| Refinance | 61% | 28 / 46 | 96% | $175K | 27 |
| Investment home improvement | 60% | 15 / 25 | 93% | $105K | 14 |
Gain Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 73% | $155K | 328 | 236 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Gain Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Home improvement loans | 77% | 201 | 154 |
The county markets where Gain Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Gain Federal Credit Union
What is Gain Federal Credit Union's mortgage approval rate?
Gain Federal Credit Union approved 71.9% of the 338 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.8 points above the 66.1% national rate for the same mix of loan types.
How often do borrowers take the loan Gain Federal Credit Union offers?
Borrowers accepted 98% of the loans Gain Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Gain Federal Credit Union make?
The typical home improvement loan loan Gain Federal Credit Union made was $155K; across all loan types its typical loan ran from $105K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Gain Federal Credit Union lend?
Gain Federal Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in California, Arizona and Nevada.
Can I apply to Gain Federal Credit Union directly?
Yes. Gain Federal Credit Union is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Gain Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Gain Federal Credit Union treats applications, then get a rate quote from the lender.