SELF-HELP Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
19th20.1% deniedPricingmedian rate spread over APOR, weight 30%
4th1.67 ptsProcesswithdrawn + incomplete share, weight 15%
63rd8.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 145 | 114 | 16.6% | 17.3% | 8.38% | $27M |
| 2024 | 215 | 155 | 17.7% | 19.2% | 8.50% | $36M |
| 2025 | 202 | 143 | 18.3% | 20.1% | 8.00% | $32M |
What SELF-HELP Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 30 manufactured homes, 1 investment properties.
Why SELF-HELP Credit Union denies applications
Primary reason reported for each of the 37 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at SELF-HELP Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 60 | 38 | 32.8% |
| $50k – $100k | 123 | 93 | 14.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 40 | 33 | 13.2% |
| 35–44 | 81 | 57 | 18.9% |
| 45–54 | 46 | 29 | 25.0% |
Where SELF-HELP Credit Union lends
4 states and 55 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| North Carolina | 158 | 109 | 18.4% | 8.00% | #263 |
| Florida | 39 | 31 | 15.4% | 8.00% | #641 |
Frequently asked questions
SELF-HELP Credit Union denied 20.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 19th percentile of small mortgage lenders.
The most common reason SELF-HELP Credit Union gave in 2025 was "collateral", cited on 48.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans SELF-HELP Credit Union originated in 2025 was 8.00%, and its median rate spread over the average prime offer rate was 1.67 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 98% of its applications were for home purchases, 2% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.