Southland Credit Union mortgage approval rate & lending review
Southland Credit Union decided 1,007 mortgage applications and funded 603 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Southland Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Southland Credit Union at a glance
Approval is 7.3 points below the 68.7% 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 | 83% | 142 / 171 | 97% | $625K | 138 |
| Home improvement loans | 52% | 291 / 557 | 97% | $115K | 282 |
| Cash-out refinance | 71% | 37 / 52 | 97% | $305K | 36 |
| Refinance | 72% | 53 / 74 | 98% | $365K | 52 |
| Investment property purchase | 88% | 28 / 32 | 100% | $585K | 28 |
| Investment refinance | 85% | 23 / 27 | 100% | $465K | 23 |
| Investment home improvement | 41% | 31 / 76 | 97% | $165K | 30 |
Southland Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 61% | $165K | 1,007 | 603 |
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 Southland Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Home improvement loans | 50% | 432 | 208 |
| Orange County, CA | Home improvement loans | 64% | 83 | 51 |
| Los Angeles County, CA | Investment home improvement | 39% | 59 | 23 |
The county markets where Southland Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Southland Credit Union
What is Southland Credit Union's mortgage approval rate?
Southland Credit Union approved 61.5% of the 1,007 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.3 points below the 68.7% national rate for the same mix of loan types.
How often do borrowers take the loan Southland Credit Union offers?
Borrowers accepted 97% of the loans Southland Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Southland Credit Union make?
The typical home improvement loan loan Southland Credit Union made was $115K; across all loan types its typical loan ran from $115K to $625K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Southland Credit Union lend?
Southland Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Southland Credit Union directly?
Yes. Southland Credit Union is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Southland Credit Union'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 Southland Credit Union treats applications, then get a rate quote from the lender.