Applications / Mortgage Analytics / Lenders / West Virginia / Pioneer Appalachia Federal Credit Union
Charleston, WV · Credit union · NCUA · $239 million assets · 81 loans in 2025
Pioneer Appalachia Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
81
loans originated, 2025
98
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pioneer Appalachia Federal Credit Union is a West Virginia credit union that mostly refinances homes, and it has kept a steady place in Charleston's market since at least 1990.
Refinances made up 61.7% of its 81 loans in 2025 and home purchases 34.6%. Every loan was conventional. Its loans rose 12%, against 6% at the middle of similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, which puts it near the middle of its peers.
In Charleston it ranked 23 of 157 lenders with 1.2% of the market, against 1.3% a year earlier. City National Bank of West Virginia and Rocket Mortgage led there. A tenth of a point is a small move for a lender of this size, and it gained a little in Morgantown, where its share rose to 0.2%.
Low- and moderate-income (LMI) borrowers took 18.5% of its loans, up from 6.0% five years earlier. That is still below the 30.6% at the middle of its peers and lower than at about five in six of them. Its share in LMI neighborhoods also rose, from 3.3% to 10.1%, against 17.3% for peers. Its emphasis on refinancing, which serves people who already own homes, may be one reason.
It made 150 loans in 2020 and 157 in 2022, about twice its recent volume. It has made between 61 and 81 a year since 2023. Refinances, most of its lending, may account for much of that swing.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pioneer Appalachia Federal Credit Union took 98 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 61.7% · Purchase 34.6% · Home improvement 3.7%
Conventional 100.0% · of 81 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 | 71 | 87.7% |
| Florida | 3 | 3.7% |
| Ohio | 3 | 3.7% |
| South Carolina | 2 | 2.5% |
| North Carolina | 1 | 1.2% |
| Tennessee | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charleston | 41 |
| Huntington-Ashland | 14 |
| Morgantown | 6 |
| Beckley | 2 |
| Myrtle Beach-Conway-North Myrtle Beach | 2 |
| Charlotte-Concord-Gastonia | 1 |
| Chattanooga | 1 |
| Lakeland-Winter Haven | 1 |
| Palm Bay-Melbourne-Titusville | 1 |
| St. Petersburg-Clearwater-Largo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003ST36V2G6YFH54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 437772 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53576 | 1990–2017 |
Established 1 January 1940. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Pioneer Appalachia Federal Credit Union's data.
Pioneer Appalachia Federal Credit Union's data
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Pioneer Appalachia 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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