Applications / Mortgage Analytics / Lenders / West Virginia / The State Credit Union
Charleston, WV · Credit union · NCUA · $92.6 million assets · 42 loans in 2025
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42
loans originated, 2025
42
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The State Credit Union in Charleston is almost purely a refinance lender, and a small one: nine in ten of its 42 loans in 2025 were refinances.
Refinances took 90.5% of its loans and purchases the other 9.5%. It made no home-improvement or other-purpose loans. Its typical loan was $95,000, near the $90,000 of similar lenders, credit unions making between half and twice as many loans.
Its typical rate was 5.49%, against 6.75% at similar credit unions, lower than almost all of them. None of its loans was higher-priced, meaning a rate well above the average for similar loans, against 3.0% at peers.
The credit union made 42 loans, 19% fewer than in 2024, while similar lenders grew by 3%. It filed no report for 2021 or 2022, gaps in the record rather than years without lending. With so small a book, a few loans either way make a large change.
In Charleston, its largest market, it ranked 40 of 157 lenders, and its share fell from 0.6% to 0.4%. With 42 loans in all, a handful fewer could explain the fall. It has lent there since 2010, the year of its first report. Its share in Huntington-Ashland 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. The State Credit Union took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 90.5% · Purchase 9.5%
Conventional 100.0% · of 42 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 | 42 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charleston | 22 |
| Huntington-Ashland | 6 |
| Beckley | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YEIILDTG022408 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1019568 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567222 | 2010–2017 |
Established 1 January 1988. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: The State Credit Union's data.
The State Credit Union's data
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The State 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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