Southland Credit Union in California vs the state
31.0%Denial rate+13.55 pts vs state
38.8%Decision denial rate+16.36 pts vs state
47.9%Origination rate-8.26 pts vs state
7.50%Median rate+0.88 pts vs state
0.25Rate spread (pts)-0.02 pts vs state
$170kMedian applicant income
291Loans originated
188Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 532 | 258 | 35.3% | 8.75% | #214 |
| 2024 | 603 | 281 | 36.2% | 8.50% | #223 |
| 2025 | 607 | 291 | 31.0% | 7.50% | #232 |
What Southland Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Southland Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 398 | 171 | 149 | 37.4% |
| Orange County | 79 | 46 | 17 | 21.5% |
| Riverside County | 43 | 22 | 13 | 30.2% |
| San Diego County | 32 | 19 | 2 | 6.3% |
| San Bernardino County | 25 | 14 | 4 | 16.0% |
| San Joaquin County | 5 | 3 | 0 | 0.0% |
| Sacramento County | 4 | 3 | 0 | 0.0% |
| Ventura County | 3 | 3 | 0 | 0.0% |
| Placer County | 2 | 1 | 0 | 0.0% |
| Alameda County | 2 | 1 | 1 | 50.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 607 applications in 2025, of which 291 were originated and 188 denied.
31.0% of all applications, or 38.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Southland Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Southland Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology