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GOOGAIN, INC.
Independent Mortgage Company|SUNNYVALE, CA|Multi-Region
Loans Originated
751
Applications
832
Volume
$491 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Exceptional
Safe Rate Awards💎Conventional Champion💎Refinance Champion⭐Jumbo Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.005%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
-$754
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
90.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Report Card
GOOGAIN, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 10 metro areas · 7 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$654,601
Average Borrower Income
$284,755
Average Property Value
$1,192,204
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Exceptional | Strong | Exceptional | Exceptional | 688 | 91.6% | -0.038% | -$585 |
Jumbo Loans | Strong | Strong | Strong | Exceptional | 63 | 8.4% | +0.320% | -$2,014 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Strong | 483 | 64.3% | +0.048% | -$233 |
Refinance | Exceptional | Strong | Exceptional | Exceptional | 268 | 35.7% | -0.090% | -$1,879 |
Geographic Coverage
Metro Areas
10
States Served
7
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCAFLNCORTXWA
Top Metro Areas by Place Specialization Score
1
San Jose, CAMSA
Volume: 217Mix: 28.89%
Place Specialization
Exceptional
2
Oakland, CAMSA
Volume: 174Mix: 23.17%
Place Specialization
Exceptional
3
San Francisco, CAMSA
Volume: 62Mix: 8.26%
Place Specialization
Strong
4
Sacramento, CAMSA
Volume: 66Mix: 8.79%
Place Specialization
Strong
5
San Diego, CAMSA
Volume: 57Mix: 7.59%
Place Specialization
Strong
6
Stockton, CAMSA
Volume: 28Mix: 3.73%
Place Specialization
Sound
7
Los Angeles, CAMSA
Volume: 27Mix: 3.60%
Place Specialization
Sound
8
Anaheim, CAMSA
Volume: 21Mix: 2.80%
Place Specialization
Sound
9
Fresno, CA, CAMSA
Volume: 10Mix: 1.33%
Place Specialization
Sound
10
Riverside, CAMSA
Volume: 11Mix: 1.46%
Place Specialization
Acceptable
Top States by Place Specialization Score
1
CAState
Volume: 714Mix: 95.07%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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