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Self-Help Federal Credit Union

Credit UnionDurham, NCHQDirectReviews 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.

Safe Rate 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

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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
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 11 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Pull Through
Sound
Volume421
Mix100.0%
Spread
Fees

Loan Purpose Performance

Performance by Loan Purpose

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
11
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest2
ILWI
West2
CAWA

Top Metro Areas by Place Specialization Score

Volume 169Mix 40.14% of portfolio
73/100
Strong
Volume 42Mix 9.98% of portfolio
63/100
Strong
Volume 19Mix 4.51% of portfolio
54/100
Sound
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
Volume 15Mix 3.56% of portfolio
50/100
Sound
Volume 20Mix 4.75% of portfolio
50/100
Sound
Volume 14Mix 3.33% of portfolio
49/100
Sound
Volume 11Mix 2.61% of portfolio
47/100
Sound
Showing 10 of 11 metro areas

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 192Mix 45.61% of portfolio
72/100
Strong
California
California
2
CaliforniaState
Volume 172Mix 40.86% of portfolio
66/100
Strong
Washington
Washington
3
WashingtonState
Volume 29Mix 6.89% of portfolio
52/100
Sound
Wisconsin
Wisconsin
4
WisconsinState
Volume 28Mix 6.65% of portfolio
51/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 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.