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Self-Help Federal Credit Union

Credit UnionDurham, NCDirect to Consumer

We analyzed every closed loan from Self Help Federal Credit Union 421 loans across 609 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pull Through
Sound
closing strength
Products
Sound
Conventional
Place
Sound
Regional · 11 mkts

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Self-Help Federal Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
N/A
No peer data
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional11 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Sound
421100.0%

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
41498.3%

At a Glance

Lender Overview

Lending Activity
Loans Originated
421
Applications
609
Volume
$109 million
Typical Borrower
Avg Loan Amount
$260,748
Avg Borrower Income
$79,663
Avg Property Value
$302,102

Geographic Coverage

Geographic Performance

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%of portfolio
Place
Strong
2
Fresno, CA, CAMSA
Volume: 42Mix: 9.98%of portfolio
Place
Strong
3
Visalia, CA, CAMSA
Volume: 19Mix: 4.51%of portfolio
Place
Sound
4
Merced, CA, CAMSA
Volume: 10Mix: 2.38%of portfolio
Place
Sound
5
Milwaukee, WIMSA
Volume: 24Mix: 5.70%of portfolio
Place
Sound
6
Bakersfield, CAMSA
Volume: 18Mix: 4.28%of portfolio
Place
Sound
7
Stockton, CAMSA
Volume: 15Mix: 3.56%of portfolio
Place
Sound
8
Sacramento, CAMSA
Volume: 20Mix: 4.75%of portfolio
Place
Sound
9
Yakima, WA, WAMSA
Volume: 14Mix: 3.33%of portfolio
Place
Sound
10
Modesto, CA, CAMSA
Volume: 11Mix: 2.61%of portfolio
Place
Sound
Showing 10 of 11 metro areas

Top States by Place Specialization Score

1
ILState
Volume: 192Mix: 45.61%of portfolio
Place
Strong
2
CAState
Volume: 172Mix: 40.86%of portfolio
Place
Strong
3
WAState
Volume: 29Mix: 6.89%of portfolio
Place
Sound
4
WIState
Volume: 28Mix: 6.65%of portfolio
Place
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.