LEI 5493006YSC5JOGNPMH78 · LOS ALAMITOS, CA
Southland Credit Uniom
Denial sits in the upper fleet tercile at 34.0% across 644 HMDA applications, a stricter underwriting book than most reporters.
Denial tercile vs fleet
Southland Credit Uniom posts a 34.0% denial rate, above the fleet's upper tercile (~13.79%) - across 644 applications with 281 originations. Leading cited denial reason: debt-to-income ratio. Volume rank is still not origination-share rank.
- n/a
- Below 1,000-app share board
- 43.6%
- Origination share
- 281
- Originated
- 34.0%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
644 reported applications
Where Southland Credit Uniom sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
281 Top 35% higher than 65% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Southland Credit Uniom
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · Southland Credit Uniom
Lender-reported HMDA denial-reason counts (top reasons shown).
Mid-volume reporter. Southland Credit Uniom's 43.6% origination rate and 34.0% denial rate sit on a mid-tercile originated book (281 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Most-cited denial codes: Debt-to-income ratio, Credit application incomplete, Collateral. Program weight concentrates in Conventional (644 applications).
How to read Southland Credit Uniom. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Southland Credit Uniom
Southland Credit Uniom filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 644 | 281 | 219 | $368,991 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Southland Credit Uniom (LEI: 5493006YSC5JOGNPMH78) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Improvement | 264 | 99 | $206,894 |
| Other | 169 | 81 | $160,444 |
| Home Purchase | 125 | 58 | $831,800 |
| Refinancing | 44 | 26 | $613,864 |
| Cash-out Refinancing | 42 | 17 | $593,095 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 286 | 44.4% | 36.7% |
| Asian | 126 | 52.4% | 18.3% |
| Black or African American | 72 | 40.3% | 45.8% |
| Joint * | 16 | 37.5% | 31.3% |
| Native Hawaiian or Other Pacific Islander * | 5 | 40.0% | 60.0% |
| 2 or more minority races * | 3 | 66.7% | 0.0% |
| American Indian or Alaska Native * | 3 | 0.0% | 33.3% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 299 | 51.5% | 26.8% |
| Hispanic or Latino | 216 | 37.0% | 40.7% |
| Joint * | 19 | 42.1% | 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.
One of 316 other HMDA-reporting lenders in CA, 5 are shown here.
Pennymac Loan Services LLC
WESTLAKE VILLAGE, CA
Bank of America NA
Westlake Village, CA
AmeriHome Mortgage Company, LLC
Thousand Oaks, CA
Loandepot.Com, LLC
IRVINE, CA
New American Funding, LLC.
TUSTIN, CA
Read with Southland Credit Uniom
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Southland Credit Uniom (LEI 5493006YSC5JOGNPMH78), from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024). See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.