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Credit Union of Southern California

Anaheim Hills, CA

Credit Union of Southern California processed 1,598 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 810 loans with a 31.1% denial rate. Other was the primary loan purpose. Based in Anaheim Hills, CA. The approval rate of 50.7% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Credit Union of Southern California's 50.7% origination rate tells you how often an application turned into funded money; the 31.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Other, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,598 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,598
Applications
810
Originated
31.1%
Denial Rate
$192,810
Avg Loan Amount
Avg Interest Rate: 7.705% Avg Applicant Income: $41,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,598 810 497 $192,810

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Credit Union of Southern California (LEI: 2549005DO6VPVH5MOS59) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Other
259
Debt-to-income ratio
223
Collateral
63
Credit history
61
Unverifiable information
9
Employment history
4
Credit application incomplete
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 1,182 631 $134,772
Cash-out Refinancing 308 100 $153,474
Home Purchase 67 53 $710,373
Refinancing 39 25 $1,373,974
Home Improvement 1 0 $165,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 592 59.0% 26.9%
Asian 210 44.8% 33.3%
Black or African American 69 42.0% 42.0%
American Indian or Alaska Native * 29 65.5% 17.2%
Joint * 27 51.9% 29.6%
Native Hawaiian or Other Pacific Islander * 4 50.0% 50.0%
2 or more minority races * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Hispanic or Latino 751 47.9% 33.6%
Not Hispanic or Latino 461 54.0% 27.6%
Joint * 38 65.8% 26.3%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in CA

Other HMDA-reporting lenders in CA with similar activity. Compare any two side-by-side.

Pennymac Loan Services LLC

WESTLAKE VILLAGE, CA

384,816 apps 67,294 originated 4.7% denied

Bank of America NA

Westlake Village, CA

233,637 apps 83,165 originated 34.6% denied

AmeriHome Mortgage Company, LLC

Thousand Oaks, CA

149,937 apps 6,250 originated 0.8% denied

Loandepot.Com, LLC

IRVINE, CA

142,924 apps 79,418 originated 23.3% denied

New American Funding, LLC.

TUSTIN, CA

118,479 apps 48,639 originated 11.1% denied
Compare Credit Union of Southern California vs Pennymac Loan Services LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Credit Union of Southern California process?
Credit Union of Southern California processed 1,598 mortgage applications in the 2024 HMDA reporting year. Of these, 810 were originated (approved and funded), 161 were withdrawn by the applicant, and 497 were denied.
What is Credit Union of Southern California's mortgage approval rate?
Credit Union of Southern California has an approval (origination) rate of 50.7%, meaning 50.7% of all applications resulted in a funded mortgage. The denial rate is 31.1%.
What is the average loan amount at Credit Union of Southern California?
The average mortgage loan amount at Credit Union of Southern California is $192,810. The average interest rate is 7.705%. The average applicant income is $41,000.
What are the most common reasons for mortgage denial at Credit Union of Southern California?
The most common reasons for mortgage denial at Credit Union of Southern California are: Other, Debt-to-income ratio, Collateral. In total, 497 applications were denied out of 1,598 total applications.
What types of mortgage loans does Credit Union of Southern California offer?
Credit Union of Southern California processes Conventional loans. The most common type is Conventional with 1,598 applications and an average loan amount of $192,810.
What loan purposes does Credit Union of Southern California serve?
Credit Union of Southern California serves the following loan purposes: Other (1,182 applications), Cash-out Refinancing (308 applications), Home Purchase (67 applications), Refinancing (39 applications), Home Improvement (1 applications). Other is the most common purpose.
Where is Credit Union of Southern California located?
Credit Union of Southern California is headquartered in Anaheim Hills, CA. The lender is identified by LEI 2549005DO6VPVH5MOS59 in HMDA data.
How does Credit Union of Southern California compare in lending across racial demographics?
Credit Union of Southern California reports demographic lending data under HMDA requirements. White applicants have an approval rate of 59.0% and denial rate of 26.9%; Asian applicants have an approval rate of 44.8% and denial rate of 33.3%; Black or African American applicants have an approval rate of 42.0% and denial rate of 42.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.