Applications / Mortgage Analytics / Lenders / West Virginia / Members Choice WV Federal Credit Union
Charleston, WV · Credit union · NCUA · $91.2 million assets · 39 loans in 2025
Members Choice WV Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
39
loans originated, 2025
40
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Members Choice WV Federal Credit Union, of Charleston, West Virginia, makes tiny home-improvement loans, and more of them go to low- and moderate-income borrowers than at most similar lenders.
Home improvement made up 64.1% of its 39 loans in 2025. Its typical loan was $25,000, against $85,000 at similar lenders (credit unions making between half and twice as many loans), and its total of $1.8 million is lower than at all but a few of them.
Of its loans, 43.6% went to low- and moderate-income (LMI) borrowers, against 31.6% at peers, a higher share than at four in five of them. Only 5.1% went to LMI neighborhoods, which may reflect the few counties it serves: six, all in West Virginia.
In Charleston it ranks 49 of 157 lenders, with a 0.3% share, unchanged from 2024. City National Bank of West Virginia leads that market with $51.4M. Its loans rose 34%, from 29 to 39, while peers grew 1%, though the count is too small to read much into.
It filed no report for 2020, 2021 or 2022. Those years are gaps in the record, not years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Members Choice WV Federal Credit Union took 40 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 64.1% · Refinance 28.2% · Purchase 7.7%
Conventional 100.0% · of 39 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 | 39 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charleston | 30 |
| Huntington-Ashland | 6 |
| Beckley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 8945004TOFQ849QXKH05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 101073 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54969 | 2002–2017 |
Established 1 January 1942. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Members Choice WV Federal Credit Union's data.
Members Choice WV Federal Credit Union's data
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Members Choice WV 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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