Home state: California
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    Lends in 8 states

    GAIN mortgage rates

    GAIN's lowest publicly advertised 30-year fixed rate today is 7.361% APR — the national average is 7.147%. We read GAIN's rates every weekday, starting around 11 a.m. Central.

    We last read GAIN's rates page on Nov 2, 2026. GAIN dates its published rate sheet Oct 15, 2026.

    Today's rates from GAIN

    ProductRateAPRPointsWe readSource
    30 Year Fixed7.25%7.361%0Nov 2, 2026
    Lender's sheet dated Oct 15, 2026
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    20 Year Fixed7%7.14%0Nov 2, 2026
    Lender's sheet dated Oct 15, 2026
    Visit
    15 Year Fixed6.75%6.92%0Nov 2, 2026
    Lender's sheet dated Oct 15, 2026
    Visit
    10 Year Fixed6.5%6.733%0Nov 2, 2026
    Lender's sheet dated Oct 15, 2026
    Visit
    5 Year ARM6.5%6.6%2Nov 2, 2026
    Lender's sheet dated Oct 15, 2026
    Visit
    30 Year Fixed Super Conforming7.75%8.056%0Nov 2, 2026
    Lender's sheet dated Oct 15, 2026
    Visit

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join GAIN

    Gain Federal Credit union is open to anyone in the United States who joins a community partner organization such as the Community Impact Fund. Residents of Southern California and employees or members of specific Burbank-based organizations are also eligible.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Employer
    City of Burbank, CA, Burbank City Employees Association, FotoKem Film and Video, Burbank Community YMCA, Handy Market Burbank, Deluxe Laboratories Entertainment Services Group Inc.
    Association / SEG
    International Alliance of Theatrical Stage Employees IATSE Local 33, Friends of the Burbank Public Library, Burbank Historical Society, Community Impact Fund, Burbank Association of Realtors

    Where GAIN writes mortgages

    GAIN publishes mortgage lending in 8 states.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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