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Self-Help Federal Credit Union
Credit Union|Durham, NC|Regional
Loans Originated
421
Applications
609
Volume
$109 million
Offers loans directly to consumers
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Pullthrough Rate
69.1%
Percentage of applications that result in closed loans
Report Card
Self-Help Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Places Geographic coverage | Sound | Regional · 11 metro areas · 4 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$260,748
Average Borrower Income
$79,663
Average Property Value
$302,102
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | N/A | Sound | 421 | 100.0% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | N/A | Sound | 414 | 98.3% | — | — |
Geographic Coverage
Metro Areas
11
States Served
4
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
CAILWAWI
Top Metro Areas by Place Specialization Score
1
Chicago, ILMSA
Volume: 169Mix: 40.14%
Place Specialization
Strong
2
Fresno, CA, CAMSA
Volume: 42Mix: 9.98%
Place Specialization
Strong
3
Visalia, CA, CAMSA
Volume: 19Mix: 4.51%
Place Specialization
Sound
4
Merced, CA, CAMSA
Volume: 10Mix: 2.38%
Place Specialization
Sound
5
Milwaukee, WIMSA
Volume: 24Mix: 5.70%
Place Specialization
Sound
6
Bakersfield, CAMSA
Volume: 18Mix: 4.28%
Place Specialization
Sound
7
Stockton, CAMSA
Volume: 15Mix: 3.56%
Place Specialization
Sound
8
Sacramento, CAMSA
Volume: 20Mix: 4.75%
Place Specialization
Sound
9
Yakima, WA, WAMSA
Volume: 14Mix: 3.33%
Place Specialization
Sound
10
Modesto, CA, CAMSA
Volume: 11Mix: 2.61%
Place Specialization
Sound
Showing 10 of 11 metro areas
Top States by Place Specialization Score
1
ILState
Volume: 192Mix: 45.61%
Place Specialization
Strong
2
CAState
Volume: 172Mix: 40.86%
Place Specialization
Strong
3
WAState
Volume: 29Mix: 6.89%
Place Specialization
Sound
4
WIState
Volume: 28Mix: 6.65%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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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