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

7© Quintin Soloviev · CC BY 4.0

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, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

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 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.