Self-Help Federal Credit Union in California vs the state
11.1%Denial rate-6.31 pts vs state
12.4%Decision denial rate-9.97 pts vs state
76.2%Origination rate+19.99 pts vs state
8.25%Median rate+1.63 pts vs state
1.76Rate spread (pts)+1.48 pts vs state
$78kMedian applicant income
144Loans originated
21Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 246 | 150 | 22.8% | 8.38% | #316 |
| 2024 | 262 | 178 | 18.7% | 8.38% | #314 |
| 2025 | 189 | 144 | 11.1% | 8.25% | #371 |
What Self-Help Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Self-Help Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fresno County | 37 | 26 | 2 | 5.4% |
| Kern County | 34 | 26 | 5 | 14.7% |
| Tulare County | 22 | 19 | 2 | 9.1% |
| Sacramento County | 19 | 17 | 1 | 5.3% |
| Merced County | 13 | 11 | 2 | 15.4% |
| San Joaquin County | 12 | 10 | 2 | 16.7% |
| Solano County | 10 | 8 | 1 | 10.0% |
| Kings County | 8 | 5 | 1 | 12.5% |
| Stanislaus County | 6 | 6 | 0 | 0.0% |
| Madera County | 5 | 4 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 189 applications in 2025, of which 144 were originated and 21 denied.
11.1% of all applications, or 12.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Self-Help Federal Credit Union originated in California in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Self-Help Federal Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology