Googain, Inc. mortgage approval rate & lending review
Googain, Inc. decided 2,124 mortgage applications and funded 2,109 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Googain, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Googain, Inc. at a glance
Approval is 17.0 points above the 82.7% 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 | 100% | 913 / 916 | 99% | $655K | 908 |
| Cash-out refinance | 99% | 73 / 74 | 99% | $485K | 72 |
| Refinance | 99% | 441 / 444 | 100% | $725K | 440 |
| Investment property purchase | 100% | 317 / 317 | 100% | $505K | 317 |
| Investment cash-out refinance | 100% | 92 / 92 | 99% | $375K | 91 |
| Investment refinance | 100% | 281 / 281 | 100% | $515K | 281 |
Googain, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 100% | $655K | 2,037 | 2,022 |
| Washington | 100% | $425K | 21 | 21 |
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 Googain, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Santa Clara County, CA | Mortgage lenders | 100% | 295 | 293 |
| Alameda County, CA | Mortgage lenders | 100% | 201 | 200 |
| Santa Clara County, CA | Refinance | 99% | 177 | 174 |
| Alameda County, CA | Refinance | 99% | 73 | 72 |
| Santa Clara County, CA | Investment refinance | 100% | 63 | 63 |
| Santa Clara County, CA | Investment property purchase | 100% | 61 | 61 |
| San Mateo County, CA | Mortgage lenders | 100% | 57 | 56 |
| San Diego County, CA | Investment property purchase | 100% | 38 | 38 |
| San Francisco County, CA | Mortgage lenders | 100% | 36 | 36 |
| San Diego County, CA | Investment refinance | 100% | 31 | 31 |
| Alameda County, CA | Investment property purchase | 100% | 30 | 30 |
| San Mateo County, CA | Refinance | 100% | 30 | 30 |
The county markets where Googain, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Googain, Inc.
What is Googain, Inc.'s mortgage approval rate?
Googain, Inc. approved 99.7% of the 2,124 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.0 points above the 82.7% national rate for the same mix of loan types.
How often do borrowers take the loan Googain, Inc. offers?
Borrowers accepted 100% of the loans Googain, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Googain, Inc. make?
The typical home purchase mortgage loan Googain, Inc. made was $655K; across all loan types its typical loan ran from $375K to $725K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Googain, Inc. lend?
Googain, Inc. decided applications in 7 of the states Fat Boy Data covers, most of them in California, Washington and Arizona.
Can I apply to Googain, Inc. directly?
Yes. Googain, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show Googain, Inc.'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 Googain, Inc. treats applications, then get a rate quote from the lender.