A lender to existing owners
Home improvement made up 33.3% of its 291 loans in 2025 and other purposes 24.4%. Purchases and refinancing made up the rest, at 22.0% and 20.3%. Every loan was conventional.
Applications / Mortgage Analytics / Lenders / California / Southland Credit Union
Southland Credit Union
Los Alamitos, CA · Credit union · NCUA · $1.3 billion assets · 291 loans in 2025
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291
loans originated, 2025
607
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southland Credit Union is a California lender whose home lending is mostly home-improvement and other loans to people who already own homes, larger than its peers'.
Bigger loans than its peers
Its typical loan was $235,000, against $105,000 for similar lenders, credit unions making between half and twice as many loans; that is larger than about nine in ten of them. Jumbo loans, larger than the conforming limit, made up 7.9% of its lending, where most peers make none.
Lending in majority-minority areas
Of its loans, 70.8% went to majority-minority neighborhoods, against 12.8% for similar lenders. Only 9.6% went to low- and moderate-income borrowers, against 27.1%, among the lowest tenth. Its mix may explain part of this: home-improvement and other loans go to people who already own homes, who may have higher incomes than first-time buyers.
Growth by mergers
It has absorbed six credit unions since 2001, most recently Allied Healthcare Federal Credit Union in 2024. That merger is one possible source of the rise from 176 loans in 2020 to 291. Its loans grew 4% in 2025, against 7% for similar lenders. Its largest market is Los Angeles, where it ranks 201 of 757 and has lent since 1990.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
291 loans in 2025, against a peak of 626 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Southland Credit Union took 607 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
33.3% of its 2025 loans were home improvement loans; all were conventional loans.
Home improvement 33.3% · Other 24.4% · Purchase 22.0% · Refinance 20.3%
Conventional 100.0% · of 291 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
1 state, 10 metros, 16 counties
| State | Loans | Share |
|---|---|---|
| California | 291 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 171 |
| Anaheim-Santa Ana-Irvine | 46 |
| Riverside-San Bernardino-Ontario | 36 |
| San Diego-Chula Vista-Carlsbad | 19 |
| Sacramento-Roseville-Folsom | 5 |
| Oakland-Fremont-Berkeley | 3 |
| Oxnard-Thousand Oaks-Ventura | 3 |
| Stockton-Lodi | 3 |
| Visalia | 2 |
| San Jose-Sunnyvale-Santa Clara | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006YSC5JOGNPMH78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 673691 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568415 | 2000–2017 |
Established 1 January 1944. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Southland Credit Union's data.
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