Self-Help Federal 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 C 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%
32nd14.4% deniedPricingmedian rate spread over APOR, weight 30%
3rd1.80 ptsProcesswithdrawn + incomplete share, weight 15%
57th10.2%Closing coststotal loan costs ÷ loan amount, weight 10%
88th0.89% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 595 | 405 | 20.5% | 22.5% | 8.50% | $95M |
| 2024 | 621 | 430 | 17.6% | 19.4% | 8.50% | $112M |
| 2025 | 440 | 327 | 13.0% | 14.4% | 8.13% | $83M |
What Self-Help Federal 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, 3 manufactured homes, 0 investment properties.
Why Self-Help Federal Credit Union denies applications
Primary reason reported for each of the 57 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Self-Help Federal 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 | 69 | 46 | 22.6% |
| $50k – $100k | 274 | 204 | 13.5% |
| $100k – $150k | 76 | 60 | 10.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 64 | 49 | 12.3% |
| 35–44 | 193 | 144 | 14.8% |
| 45–54 | 138 | 95 | 18.5% |
| 55–64 | 30 | 26 | 0.0% |
Where Self-Help Federal Credit Union lends
5 states and 46 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 189 | 144 | 11.1% | 8.25% | #371 |
| Illinois | 147 | 105 | 13.6% | 8.38% | #297 |
| Wisconsin | 52 | 36 | 19.2% | 7.94% | #330 |
| Washington | 35 | 25 | 17.1% | 8.25% | #331 |
| Connecticut | 17 | 17 | 0.0% | 5.99% | #316 |
Frequently asked questions
Self-Help Federal Credit Union denied 14.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 32nd percentile of small mortgage lenders.
The most common reason Self-Help Federal Credit Union gave in 2025 was "collateral", cited on 63.2% 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 Federal Credit Union originated in 2025 was 8.13%, and its median rate spread over the average prime offer rate was 1.80 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 92% of its applications were for home purchases, 4% for refinancing (including cash-out), and 4% 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.