# SOUTHLAND CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/southland-credit-union


> **📋 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


SOUTHLAND CREDIT UNION is a credit union, headquartered in Los Alamitos, CA, with 87 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 65% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493006YSC5JOGNPMH78
- **Headquarters:** Los Alamitos, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.587%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $176
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 87
- **Dollar Volume:** $76 million
- **Applications Received:** 135
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $878,333
- **Average Borrower Income:** $330,207
- **Average Property Value:** $1,254,080

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 26/100 | 69 | -0.597% | $333 | Acceptable 🙂 |
| Jumbo | 63/100 | 18 | -0.553% | $-306 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 39 loans, Score: 23/100 (Acceptable)
- Refinance: 30 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 26/100 | 51 | $47M | -0.547% | Acceptable 🙂 |
| Refinance | 39/100 | 36 | $29M | -0.656% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 87 | 0.03% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 45 | 64/100 |
| Anaheim | CA | 19 | 56/100 |
| San Diego | CA | 10 | 46/100 |

## Frequently Asked Questions

### What loan types does SOUTHLAND CREDIT UNION offer?

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

### Where does SOUTHLAND CREDIT UNION offer mortgages?

SOUTHLAND CREDIT UNION offers mortgages in 1 states: CA.

### How competitive are SOUTHLAND CREDIT UNION's mortgage rates?

SOUTHLAND CREDIT UNION has a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.587% below market average.

### What type of lender is SOUTHLAND CREDIT UNION?

SOUTHLAND CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Los Alamitos, CA.

### What is SOUTHLAND CREDIT UNION's loan approval success rate?

SOUTHLAND CREDIT UNION has a pull-through score of 35/100 (Acceptable). 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/southland-credit-union

### How to Cite

> "SOUTHLAND CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/southland-credit-union

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