Applications / Mortgage Analytics / Lenders / Illinois / Selfreliance Federal Credit Union
Chicago, IL · Credit union · NCUA · $1.1 billion assets · 235 loans in 2025
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235
loans originated, 2025
256
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Selfreliance Federal Credit Union makes more than half its loans to low- and moderate-income borrowers, about twice the share at similar credit unions.
Low- and moderate-income (LMI) borrowers took 55.2% of its loans, a higher share than at nearly all similar lenders, credit unions making between half and twice as many loans; their typical share was 27.8%. Poorer neighborhoods (LMI tracts) took 26.5%, against 16.3%. Its share in majority-minority neighborhoods rose from 18.8% to 32.8%.
It made 235 loans in 2025, against 239 in 2024, while similar lenders grew 6%. Since 2018 it has made between 169 and 303 loans a year. Home purchases made up 71.1% and refinances the rest, all of them conventional.
It turned down 0.8% of home-purchase applications, against 7.8% at similar lenders, a lower rate than at almost all of them. Its refinance applications were too few to give a rate.
Illinois is its main state, and it has lent in Chicago since 1990, where it ranked 125 of 902 lenders. It lent in 9 states and 21 metros in 2025, and entered Boston, Naples-Marco Island and Scranton-Wilkes-Barre that year. In Lansing-East Lansing, entered in 2024, its share rose to 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Selfreliance Federal Credit Union took 256 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.1% · Refinance 28.9%
Conventional 100.0% · of 235 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 |
|---|---|---|
| Illinois | 177 | 75.3% |
| Michigan | 17 | 7.2% |
| New Jersey | 14 | 6.0% |
| Indiana | 9 | 3.8% |
| Connecticut | 7 | 3.0% |
| Florida | 5 | 2.1% |
| New York | 3 | 1.3% |
| Massachusetts | 2 | 0.9% |
| Pennsylvania | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 142 |
| Lake County | 26 |
| Warren-Troy-Farmington Hills | 15 |
| Elgin | 9 |
| Newark | 8 |
| Hartford-West Hartford-East Hartford | 7 |
| New York-Jersey City-White Plains | 6 |
| Michigan City-La Porte | 5 |
| Lake County-Porter County-Jasper County | 3 |
| Lakewood-New Brunswick | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XZ4R55J9UKB235 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 428686 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57346 | 1990–2017 |
Established 1 January 1951. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Selfreliance Federal Credit Union's data.
Selfreliance Federal Credit Union's data
$215
Selfreliance 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.
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