# Self-Help Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/self-help-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Self-Help Federal Credit Union is a credit union, headquartered in Durham, NC, serving borrowers across 4 states, with 421 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300UHEEV73TKCZY62
- **Headquarters:** Durham, NC
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** CA, IL, WA, WI
- **Markets (MSAs):** 11
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 421
- **Dollar Volume:** $110 million
- **Applications Received:** 609
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $260,748
- **Average Borrower Income:** $79,663
- **Average Property Value:** $302,102

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 421 | - | - | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 414 loans, Score: 60/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 56/100 | 414 | $109M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 192 | 0.15% | 72/100 |
| CA | 172 | 0.06% | 66/100 |
| WA | 29 | 0.03% | 52/100 |
| WI | 28 | 0.04% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 169 | 73/100 |
| Fresno, CA | CA | 42 | 63/100 |
| Milwaukee | WI | 24 | 52/100 |
| Sacramento | CA | 20 | 50/100 |
| Visalia, CA | CA | 19 | 54/100 |
| Bakersfield | CA | 18 | 51/100 |
| Stockton | CA | 15 | 50/100 |
| Yakima, WA | WA | 14 | 49/100 |
| Elgin, IL | IL | 12 | 45/100 |
| Modesto, CA | CA | 11 | 47/100 |
| Merced, CA | CA | 10 | 53/100 |

## Where This Lender Ranks

Self-Help Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Visalia, CA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Modesto, CA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Chicago Credit Unions
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Chicago for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Fresno, CA Credit Unions
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Fresno, CA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Bakersfield for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Yakima, WA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does Self-Help Federal Credit Union offer?

Self-Help Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Self-Help Federal Credit Union offer mortgages?

Self-Help Federal Credit Union offers mortgages in 4 states: CA, IL, WA, WI.

### What type of lender is Self-Help Federal Credit Union?

Self-Help Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Durham, NC.

### What is Self-Help Federal Credit Union's loan approval success rate?

Self-Help Federal Credit Union has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/self-help-federal-credit-union

### How to Cite

> "Self-Help Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/self-help-federal-credit-union

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