What loan types does Southland Credit Union offer?

Southland Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Southland Credit Union offer mortgages?

Southland Credit Union offers mortgages in 1 states: CA.

How competitive are Southland Credit Union's mortgage rates?

Southland Credit Union has an overall pricing score of 77.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Southland Credit Union?

Southland Credit Union is a Credit Union headquartered in Los Alamitos, CA.

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Southland Credit Union

Credit Union•Los Alamitos, CAHQ•Direct•Reviews near you on Google

Southland Credit Union has 87 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Sound

3/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 58.70 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Southland Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 58.7 bps below market avg

4/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

69 loans · 0.60% below market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

18 loans · 0.55% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

51 loans · 0.55% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

36 loans · 0.66% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Acceptable	69	79.3%	-0.597%Below	$333Fees
Jumbo Loans	Strong	Strong	—	Strong	18	20.7%	-0.553%Below	$306Credit

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume69

Mix79.3%

Spread

-0.597%Below

Fees

$333Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume18

Mix20.7%

Spread

-0.553%Below

Fees

$306Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Acceptable	51	58.6%	-0.547%Below	$398Fees
Refinance	Sound	Acceptable	Exceptional	Acceptable	36	41.4%	-0.656%Below	$214Credit

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume51

Mix58.6%

Spread

-0.547%Below

Fees

$398Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume36

Mix41.4%

Spread

-0.656%Below

Fees

$214Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

135

Volume

$76 million

Pricing & Closing

Avg Rate Spread

-0.587%

vs. market APOR

Avg Net Fees

$176

Origination − Credits

Pullthrough Rate

64.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$878,333

Avg Borrower Income

$330,207

Avg Property Value

$1,254,080

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Los Angeles, CAMetro

Volume 45Mix 51.72% of portfolio

64/100

Strong

Anaheim, CAMetro

Volume 19Mix 21.84% of portfolio

56/100

Sound

San Diego, CAMetro

Volume 10Mix 11.49% of portfolio

46/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 87Mix 100.00% of portfolio

64/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.