Southland Credit Union has 87 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.
Shopping for a Mortgage?
Save Southland Credit Union or ask our AI assistant to explore your options.
Safe Rate's Summary
What They Do Well
- Offers rates 58.70 basis points below market average
- Lower than average lender fees
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Southland Credit Union performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Highly Competitive Rates 58.7 bps below market avg | |
Pull Through Closing strength | Near industry average Bottom 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Near industry average Bottom 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Near industry average Bottom 40% of lenders | |
Refinance | Near industry average Bottom 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Single State3 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 69 | 79.3% | -0.597%Below | $333Fees | ||||
Jumbo Loans | — | 18 | 20.7% | -0.553%Below | $306Credit |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 51 | 58.6% | -0.547%Below | $398Fees | ||||
Refinance | 36 | 41.4% | -0.656%Below | $214Credit |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
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)
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.
Looking for a different lender?
Are you the owner of Southland Credit Union?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.