Applications / Mortgage Analytics / Lenders / North Carolina / Self Help Credit Union
Durham, NC · Credit union · NCUA · $2.2 billion assets · 143 loans in 2025
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143
loans originated, 2025
202
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Self Help Credit Union buys far more mortgages than it makes, 384 bought against 143 of its own in 2025, and most of its own loans go to low- and moderate-income borrowers.
It bought 384 loans in 2025, up from 325 in 2024 and 82 five years before. The typical similar lender, a credit union making between half and twice as many loans, bought none. By count, the loans it bought outnumbered those it made by more than two to one.
Low- and moderate-income (LMI) borrowers took 72.5% of its loans, the highest share among similar lenders, whose typical share was 28.9%. Poorer neighborhoods (LMI tracts) took 45.5%, against 17.3% at similar lenders. Majority-minority neighborhoods took 52.4%, against 9.8%.
Home purchases made up 97.9% of its loans. Manufactured homes made up 15.4%, a higher share than at nearly all similar lenders, most of which made none. Its typical loan was $225,000, larger than at about nine in ten similar lenders, where it was $105,000.
Its own originations fell 8% to 143, while similar lenders grew 9%. Its effort may have gone partly into buying loans, which rose to 384 from 325. It absorbed two credit unions in 2025, whose filings count in its market figures. In Asheville, where it has lent since 1991, its share rose to 0.1% and it ranked 96 of 422 lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Self Help Credit Union took 202 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 97.9% · Refinance 2.1%
Conventional 100.0% · of 143 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Carolina | 109 | 76.2% |
| Florida | 31 | 21.7% |
| South Carolina | 2 | 1.4% |
| Georgia | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Asheville | 18 |
| Raleigh-Cary | 16 |
| Durham-Chapel Hill | 12 |
| Orlando-Kissimmee-Sanford | 12 |
| Winston-Salem | 12 |
| Greensboro-High Point | 10 |
| Charlotte-Concord-Gastonia | 8 |
| Rocky Mount | 6 |
| Burlington | 4 |
| Wilmington | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W2VOHO3742H053 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 896191 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566258 | 1991–2017 |
Established 1 January 1983. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Self Help Credit Union's data.
Self Help Credit Union's data
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Self Help Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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