# SELF-HELP Credit Union

> **Canonical URL:** https://saferate.com/lenders/self-help-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 Credit Union is a credit union, headquartered in Durham, NC, serving borrowers across 4 states, with 137 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300W2VOHO3742H053
- **Headquarters:** Durham, NC
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, NC, SC, VA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 137
- **Dollar Volume:** $33 million
- **Applications Received:** 188
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $239,161
- **Average Borrower Income:** $69,818

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 137 | - | - | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 135 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 135 | $32M | - | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 95 | 0.06% | 65/100 |
| FL | 38 | 0.01% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 19 | 34/100 |
| Durham | NC | 15 | 53/100 |
| North Port | FL | 14 | 50/100 |
| Winston | NC | 13 | 50/100 |
| Raleigh | NC | 12 | 47/100 |

## Frequently Asked Questions

### What loan types does SELF-HELP Credit Union offer?

SELF-HELP 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 Credit Union offer mortgages?

SELF-HELP Credit Union offers mortgages in 4 states: FL, NC, SC, VA.

### What type of lender is SELF-HELP Credit Union?

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

### What is SELF-HELP Credit Union's loan approval success rate?

SELF-HELP Credit Union has a pull-through score of 42/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/self-help-credit-union

### How to Cite

> "SELF-HELP Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/self-help-credit-union

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