# GOOGAIN, INC.

> **Canonical URL:** https://saferate.com/lenders/googain


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GOOGAIN, INC. is a independent mortgage company, headquartered in SUNNYVALE, CA, serving borrowers across 7 states, with 751 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 17% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300JOD3S8ZGZLHP53
- **Headquarters:** SUNNYVALE, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AZ, CA, FL, NC, OR, TX, WA
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.005%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-754
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 751
- **Dollar Volume:** $492 million
- **Applications Received:** 832
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $654,601
- **Average Borrower Income:** $284,755
- **Average Property Value:** $1,192,204

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- 💎 **Refinance Diamond Champion** (84%)
- ⭐ **Jumbo Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 688 | -0.038% | $-585 | Strong 😀 |
| Jumbo | 74/100 | 63 | +0.320% | $-2,014 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 430 loans, Score: 61/100 (Strong)
- Refinance: 258 loans, Score: 71/100 (Strong)

**Jumbo:**
- Purchase: 53 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 483 | $341M | +0.048% | Strong 😀 |
| Refinance | 70/100 | 268 | $151M | -0.090% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 714 | 0.25% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Jose | CA | 217 | 84/100 |
| Oakland | CA | 174 | 80/100 |
| Sacramento | CA | 66 | 63/100 |
| San Francisco | CA | 62 | 71/100 |
| San Diego | CA | 57 | 61/100 |
| Stockton | CA | 28 | 58/100 |
| Los Angeles | CA | 27 | 50/100 |
| Anaheim | CA | 21 | 50/100 |
| Riverside | CA | 11 | 40/100 |
| Fresno, CA | CA | 10 | 41/100 |

## Where This Lender Ranks

GOOGAIN, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in California
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders)
- 🥇 **#1** in California Mortgage Companies
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in California for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in San Jose
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders)
- 🥇 **#1** in San Jose Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in San Jose for Conventional Loans
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in San Jose for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in San Jose for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Oakland
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders)
- 🥇 **#1** in Oakland Mortgage Companies
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Oakland for Conventional Loans
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Oakland for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Oakland for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Sacramento
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders)
- 🥇 **#1** in Sacramento Mortgage Companies
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Sacramento for Conventional Loans
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Sacramento for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sacramento/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in San Francisco
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders)
- 🥇 **#1** in San Francisco Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in San Francisco for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does GOOGAIN, INC. offer?

GOOGAIN, INC. offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GOOGAIN, INC. offer mortgages?

GOOGAIN, INC. offers mortgages in 7 states: AZ, CA, FL, NC, OR, TX, WA.

### How competitive are GOOGAIN, INC.'s mortgage rates?

GOOGAIN, INC. has a pricing score of 83/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.005% above market average.

### What type of lender is GOOGAIN, INC.?

GOOGAIN, INC. is a non-depository lender that specializes in mortgage origination, headquartered in SUNNYVALE, CA.

### What is GOOGAIN, INC.'s loan approval success rate?

GOOGAIN, INC. has a pull-through score of 82/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/googain

### How to Cite

> "GOOGAIN, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/googain

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