SOUTHLAND CREDIT UNION
SOUTHLAND CREDIT UNION received 607 applications in 2025 and made 291 mortgages, in 20 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $235,000. Of 485 decisions, 188 were denials — 38.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493006YSC5JOGNPMH78 |
|---|---|
| Applications received | 607 |
| Mortgages made | 291 |
| Denied | 188 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 122 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.25 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 | 64 | 5.500% | $590,000 | 9.9% |
| Refinancing | 45 | 5.875% | $535,000 | 25.0% |
| Cash-out refinancing | 14 | 5.688% | $275,000 | 28.6% |
| Other purposes | 168 | 8.500% | $125,000 | 48.1% |
Where SOUTHLAND CREDIT UNION lends most
The 20 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 | 171 | 8.500% | 46.0% |
| Orange County, CA | 46 | 7.250% | 26.2% |
| Riverside County, CA | 22 | 6.688% | 37.1% |
| San Diego County, CA | 19 | 5.500% | 9.5% |
| San Bernardino County, CA | 14 | 7.375% | 22.2% |
| Sacramento County, CA | 3 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 3 | Under 10 loans | 0.0% |
| Ventura County, CA | 3 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 2 | Under 10 loans | 0.0% |
| Tulare County, CA | 2 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 50.0% |
| El Dorado County, CA | 1 | Under 10 loans | 0.0% |
| Mono County, CA | 1 | Under 10 loans | 0.0% |
| Placer County, CA | 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% |
| Fresno County, CA | 0 | Under 10 loans | 100.0% |
| Kern County, CA | 0 | Under 10 loans | Not published |
| San Luis Obispo County, CA | 0 | Under 10 loans | 100.0% |
| Yolo County, CA | 0 | Under 10 loans | Not published |
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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.