Credit Union of Southern California mortgage approval rate & lending review
Credit Union of Southern California decided 1,441 mortgage applications and funded 790 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Credit Union of Southern California reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Credit Union of Southern California at a glance
Approval is 16.3 points below the 71.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 133 / 136 | 99% | $615K | 132 |
| Cash-out refinance | 45% | 506 / 1,113 | 99% | $155K | 502 |
| Refinance | 89% | 42 / 47 | 100% | $675K | 42 |
| Investment property purchase | 98% | 52 / 53 | 100% | $845K | 52 |
| Investment cash-out refinance | 54% | 14 / 26 | 93% | $275K | 13 |
| Investment refinance | 78% | 49 / 63 | 100% | $1.33M | 49 |
Credit Union of Southern California lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 55% | $155K | 1,420 | 775 |
| Arizona | 76% | $55K | 21 | 15 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Credit Union of Southern California lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Cash-out refinance | 47% | 618 | 291 |
| Orange County, CA | Cash-out refinance | 44% | 176 | 78 |
| San Bernardino County, CA | Cash-out refinance | 46% | 160 | 71 |
| Riverside County, CA | Cash-out refinance | 34% | 116 | 40 |
| Los Angeles County, CA | Investment refinance | 79% | 38 | 30 |
The county markets where Credit Union of Southern California made the most loans. Each link opens that market with every lender ranked.
Questions about Credit Union of Southern California
What is Credit Union of Southern California's mortgage approval rate?
Credit Union of Southern California approved 55.2% of the 1,441 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.3 points below the 71.5% national rate for the same mix of loan types.
How often do borrowers take the loan Credit Union of Southern California offers?
Borrowers accepted 99% of the loans Credit Union of Southern California approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Credit Union of Southern California make?
The typical cash-out refinance loan Credit Union of Southern California made was $155K; across all loan types its typical loan ran from $155K to $1.33M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Credit Union of Southern California lend?
Credit Union of Southern California decided applications in 2 of the states Fat Boy Data covers, most of them in California and Arizona.
Can I apply to Credit Union of Southern California directly?
Yes. Credit Union of Southern California reports as a direct lender that takes applications from borrowers.
Does this page show Credit Union of Southern California's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Credit Union of Southern California treats applications, then get a rate quote from the lender.