Applications / Mortgage Analytics / Lenders / North Carolina / Self Help Federal Credit Union
Durham, NC · Credit union · NCUA · $2.4 billion assets · 327 loans in 2025
Self Help Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
327
loans originated, 2025
440
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Self Help Federal Credit Union, based in Durham but with California as its main state, makes most of its loans to low- and moderate-income borrowers and in majority-minority neighborhoods.
Low- and moderate-income (LMI) borrowers took 61.5% of its loans, the highest share among similar lenders, credit unions making between half and twice as many loans; their typical share was 27.5%. Poorer neighborhoods (LMI tracts) took 56.4%, against 15.8%. Majority-minority neighborhoods took 78.6%, a higher share than at nearly all similar lenders.
Home purchases made up 90.5% of its loans, and every loan was conventional. Its typical loan was $245,000, larger than at nearly all similar lenders, where it was $105,000.
In Bakersfield-Delano, where it has lent since 1994, its share rose to 0.2% and it ranked 95 of 407 lenders. In Fresno it ranked 92 of 409. It also lends in Wisconsin, where it entered Madison in 2025.
It made 327 loans in 2025, 24% fewer than in 2024, while similar lenders grew 7%. Its loans have fallen from 878 in 2021. That may reflect a choice to lend less, or weaker demand for the purchase loans that make up most of its lending. It absorbed two credit unions in 2025, whose filings count in its market figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Federal Credit Union took 440 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 90.5% · Other 5.5% · Refinance 3.7% · Home improvement 0.3%
Conventional 100.0% · of 327 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 |
|---|---|---|
| California | 144 | 44.0% |
| Illinois | 105 | 32.1% |
| Wisconsin | 36 | 11.0% |
| Washington | 25 | 7.6% |
| Connecticut | 17 | 5.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 96 |
| Fresno | 30 |
| Milwaukee-Waukesha | 29 |
| Bakersfield-Delano | 26 |
| Visalia | 19 |
| Sacramento-Roseville-Folsom | 17 |
| Hartford-West Hartford-East Hartford | 12 |
| Yakima | 12 |
| Merced | 11 |
| Stockton-Lodi | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UHEEV73TKCZY62 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3805055 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524802 | 2009–2017 |
Established 1 January 2008. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Self Help Federal Credit Union's data.
Self Help Federal Credit Union's data
$215
Self Help Federal 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.
Buy Self Help Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]