Applications / Mortgage Analytics / Lenders / West Virginia / Bayer Hfcu
New Martinsville, WV · Credit union · NCUA · $786 million assets · 371 loans in 2025
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371
loans originated, 2025
547
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bayer Hfcu mostly makes small other-purpose loans, and it lost ground in Wheeling, its largest market.
Other-purpose loans made up 52.8% of its 371 loans, refinances 27.0% and purchases 19.9%. Its typical loan, $75,000, was smaller than at about nine in ten similar lenders (credit unions making between half and twice as many loans), whose typical loan was $105,000. All its loans were conventional.
Its loans rose 6%, against 7% at similar lenders and 10% across the market, near the middle of the group. Since 2020 its yearly count has stayed between 331 and 419.
It ranks 8 of 145 lenders in Wheeling, OH-WV, but its share fell to 3.3% from 5.0%. WesBanco Bank leads, and Belmont Savings Bank is second. Share is counted in dollars, so a maker of small loans can lose ground when rivals make larger purchase loans. In a small market, a few big loans by competitors can also move the figures.
Its typical rate was 6.00%, against 6.99% at similar lenders, lower than at more than four in five of them. Only 0.6% of its loans were higher-priced (a rate well above the average for similar loans), against 1.9%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bayer Hfcu took 547 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 52.8% · Refinance 27.0% · Purchase 19.9% · Home improvement 0.3%
Conventional 100.0% · of 371 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 |
|---|---|---|
| West Virginia | 224 | 60.4% |
| Ohio | 77 | 20.8% |
| South Carolina | 26 | 7.0% |
| Pennsylvania | 22 | 5.9% |
| Texas | 18 | 4.9% |
| Florida | 2 | 0.5% |
| North Carolina | 2 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wheeling | 127 |
| Charleston-North Charleston | 22 |
| Pittsburgh | 21 |
| Houston-Pasadena-The Woodlands | 16 |
| Beckley | 6 |
| Columbus | 6 |
| Weirton-Steubenville | 5 |
| Morgantown | 4 |
| Hagerstown-Martinsburg | 3 |
| Myrtle Beach-Conway-North Myrtle Beach | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VIRTE6O2776X89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 827289 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511836 | 1991–2017 |
Established 1 January 1957. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Bayer Hfcu's data.
Bayer Hfcu's data
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