SELF-HELP Credit Union in North Carolina vs the state
18.4%Denial rate+0.29 pts vs state
20.6%Decision denial rate-2.25 pts vs state
69.0%Origination rate+11.18 pts vs state
8.00%Median rate+1.50 pts vs state
1.71Rate spread (pts)+1.62 pts vs state
$59kMedian applicant income
109Loans originated
29Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 81 | 17.3% | 8.50% | #281 |
| 2024 | 156 | 113 | 18.0% | 8.50% | #244 |
| 2025 | 158 | 109 | 18.4% | 8.00% | #263 |
What SELF-HELP Credit Union lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most SELF-HELP Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Buncombe County | 16 | 14 | 0 | 0.0% |
| Forsyth County | 14 | 11 | 3 | 21.4% |
| Wake County | 12 | 7 | 3 | 25.0% |
| Guilford County | 10 | 9 | 0 | 0.0% |
| Durham County | 10 | 7 | 0 | 0.0% |
| Johnston County | 9 | 7 | 0 | 0.0% |
| Granville County | 7 | 5 | 1 | 14.3% |
| Henderson County | 6 | 4 | 2 | 33.3% |
| Vance County | 6 | 1 | 3 | 50.0% |
| Franklin County | 6 | 2 | 4 | 66.7% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 158 applications in 2025, of which 109 were originated and 29 denied.
18.4% of all applications, or 20.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans SELF-HELP Credit Union originated in North Carolina in 2025 was 8.00%, against a statewide median of 6.50%.
About this data. Figures are SELF-HELP Credit Union's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology