Selfreliance 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 A 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%
97th0.4% deniedProcesswithdrawn + incomplete share, weight 15%
77th5.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 209 | 186 | 2.4% | 2.6% | — | $76M |
| 2024 | 257 | 239 | 0.4% | 0.4% | — | $82M |
| 2025 | 256 | 235 | 0.4% | 0.4% | — | $109M |
What Selfreliance 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, 0 manufactured homes, 87 investment properties.
Who gets approved at Selfreliance Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 85 | 78 | 0.0% |
| $100k – $150k | 35 | 29 | 3.1% |
| $150k – $250k | 27 | 23 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 58 | 48 | 0.0% |
| 35–44 | 55 | 50 | 1.9% |
| 45–54 | 28 | 26 | 0.0% |
| 55–64 | 23 | 21 | 0.0% |
Where Selfreliance Federal Credit Union lends
10 states and 34 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Illinois | 195 | 177 | 0.5% | — | #249 |
| Michigan | 17 | 17 | 0.0% | — | #455 |
| New Jersey | 16 | 14 | 0.0% | — | #478 |
| Indiana | 9 | 9 | 0.0% | — | #562 |
| Connecticut | 7 | 7 | 0.0% | — | #408 |
| Florida | 5 | 5 | 0.0% | — | #1,121 |
Frequently asked questions
Selfreliance Federal Credit Union denied 0.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
In 2025, 71% of its applications were for home purchases, 29% 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.