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 score and performance metrics.

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 Credit Union headquartered in Durham, NC.

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Self-Help Federal Credit Union

Credit Union•Durham, NCHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Self-Help Federal Credit Union — 421 loans across 609 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Sound

3/5

Regional · 11 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Explore another lender or local market

Report Card

Self-Help Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

421 loans

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

414 loans

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 11 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	Sound	—	Sound	421	100.0%	—	—

Conventional

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume421

Mix100.0%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	—	Sound	414	98.3%	—	—

Purchase

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume414

Mix98.3%

Spread—

Fees—

At a Glance

Lender Overview

Lending Activity

Loans Originated

421

Applications

609

Volume

$109 million

Pricing & Closing

Pullthrough Rate

69.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$260,748

Avg Borrower Income

$79,663

Avg Property Value

$302,102

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

4Full-year 2024 · HMDA

Loans originated

< 2020+None

Midwest2

ILWI

West2

CAWA

Top Metro Areas by Place Specialization Score

1© John Picken; derivative by Georgfotoart · CC BY 2.0

Chicago, ILMetro

Volume 169Mix 40.14% of portfolio

73/100

Strong

2© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0

Fresno, CAMetro

Volume 42Mix 9.98% of portfolio

63/100

Strong

3© Original uploader was VisalianNsf at en.wikipedia · CC BY-SA 3.0

Visalia, CAMetro

Volume 19Mix 4.51% of portfolio

54/100

Sound

4© Dicklyon · CC BY-SA 4.0

Merced, CAMetro

Volume 10Mix 2.38% of portfolio

53/100

Sound

5© Steve · CC BY-SA 2.0

Milwaukee, WIMetro

Volume 24Mix 5.70% of portfolio

52/100

Sound

6© Bobak Ha'Eri · CC BY 3.0

Bakersfield, CAMetro

Volume 18Mix 4.28% of portfolio

51/100

Sound

Stockton, CAMetro

Volume 15Mix 3.56% of portfolio

50/100

Sound

Sacramento, CAMetro

Volume 20Mix 4.75% of portfolio

50/100

Sound

Yakima, WAMetro

Volume 14Mix 3.33% of portfolio

49/100

Sound

Modesto, CAMetro

Volume 11Mix 2.61% of portfolio

47/100

Sound

Showing 10 of 11 metro areas

Top States by Place Specialization Score

IllinoisState

Volume 192Mix 45.61% of portfolio

72/100

Strong

CaliforniaState

Volume 172Mix 40.86% of portfolio

66/100

Strong

WashingtonState

Volume 29Mix 6.89% of portfolio

52/100

Sound

WisconsinState

Volume 28Mix 6.65% of portfolio

51/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

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 Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

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.