SELF-HELP Credit Union
SELF-HELP Credit Union received 202 applications in 2025 and made 143 mortgages, in 133 counties across 18 states. The median rate its borrowers got was 8.000% on a median loan of $225,000. Of 184 decisions, 37 were denials — 20.1%, most often for collateral.
| Legal Entity Identifier | 549300W2VOHO3742H053 |
|---|---|
| Applications received | 202 |
| Mortgages made | 143 |
| Denied | 37 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 384 |
| Median rate spread over the prime offer rate | 1.671 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 140 | 8.000% | $225,000 | 20.0% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 50.0% |
Where SELF-HELP Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Buncombe County, NC | 14 | 8.375% | 0.0% |
| Forsyth County, NC | 11 | 7.875% | 21.4% |
| Guilford County, NC | 9 | Under 10 loans | 0.0% |
| Orange County, FL | 8 | Under 10 loans | 0.0% |
| Durham County, NC | 7 | Under 10 loans | 0.0% |
| Johnston County, NC | 7 | Under 10 loans | 0.0% |
| Wake County, NC | 7 | Under 10 loans | 30.0% |
| Granville County, NC | 5 | Under 10 loans | 16.7% |
| Nash County, NC | 5 | Under 10 loans | 0.0% |
| Alamance County, NC | 4 | Under 10 loans | 16.7% |
| Henderson County, NC | 4 | Under 10 loans | 33.3% |
| Person County, NC | 4 | Under 10 loans | 20.0% |
| Hillsborough County, FL | 3 | Under 10 loans | 0.0% |
| Lake County, FL | 3 | Under 10 loans | 25.0% |
| Manatee County, FL | 3 | Under 10 loans | 0.0% |
| Polk County, FL | 3 | Under 10 loans | 0.0% |
| Volusia County, FL | 3 | Under 10 loans | 25.0% |
| Gaston County, NC | 3 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 3 | Under 10 loans | 0.0% |
| Pender County, NC | 3 | Under 10 loans | 20.0% |
| Wilson County, NC | 3 | Under 10 loans | 0.0% |
| Duval County, FL | 2 | Under 10 loans | 0.0% |
| Franklin County, NC | 2 | Under 10 loans | 66.7% |
| Pitt County, NC | 2 | Under 10 loans | 33.3% |
| Scotland County, NC | 2 | Under 10 loans | 0.0% |
| Madison County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 1 | Under 10 loans | 0.0% |
| Wakulla County, FL | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 66.7% |
| Cabarrus County, NC | 1 | Under 10 loans | 0.0% |
| Chatham County, NC | 1 | Under 10 loans | 0.0% |
| Craven County, NC | 1 | Under 10 loans | 0.0% |
| Davidson County, NC | 1 | Under 10 loans | 66.7% |
| Edgecombe County, NC | 1 | Under 10 loans | 0.0% |
| Harnett County, NC | 1 | Under 10 loans | 0.0% |
| Lee County, NC | 1 | Under 10 loans | 50.0% |
| Lenoir County, NC | 1 | Under 10 loans | 0.0% |
| McDowell County, NC | 1 | Under 10 loans | 0.0% |
| New Hanover County, NC | 1 | Under 10 loans | 0.0% |
| Randolph County, NC | 1 | Under 10 loans | 66.7% |
| Rowan County, NC | 1 | Under 10 loans | 0.0% |
| Vance County, NC | 1 | Under 10 loans | 75.0% |
| Wayne County, NC | 1 | Under 10 loans | 0.0% |
| Greenville County, SC | 1 | Under 10 loans | 0.0% |
| Spartanburg County, SC | 1 | Under 10 loans | 0.0% |
| Greene County, AL | 0 | Under 10 loans | Not published |
| Jefferson County, AL | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.