Gain Federal Credit Union
Gain Federal Credit Union received 232 applications in 2025 and made 149 mortgages, in 17 counties across 6 states. The median rate its borrowers got was 4.990% on a median loan of $155,000. Of 202 decisions, 53 were denials — 26.2%, most often for other.
| Legal Entity Identifier | 549300M0SDF90SCNIY89 |
|---|---|
| Applications received | 232 |
| Mortgages made | 149 |
| Denied | 53 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -2.2 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Refinancing | 16 | 4.990% | $200,000 | 33.3% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 125 | 4.990% | $155,000 | 25.6% |
Where Gain Federal Credit Union lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 123 | 4.990% | 25.9% |
| Ventura County, CA | 9 | Under 10 loans | 10.0% |
| San Bernardino County, CA | 4 | Under 10 loans | 20.0% |
| Orange County, CA | 3 | Under 10 loans | 25.0% |
| Kern County, CA | 2 | Under 10 loans | 33.3% |
| Riverside County, CA | 2 | Under 10 loans | 33.3% |
| San Luis Obispo County, CA | 2 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 1 | Under 10 loans | 0.0% |
| Tuolumne County, CA | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | 100.0% |
| San Diego County, CA | 0 | Under 10 loans | 100.0% |
| Santa Barbara County, CA | 0 | Under 10 loans | 100.0% |
| Weld County, CO | 0 | Under 10 loans | Not published |
| Cobb County, GA | 0 | Under 10 loans | 100.0% |
| Salt Lake County, UT | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Gain Federal Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.