Applications / Mortgage Analytics / Lenders / West Virginia / West Virginia Federal Credit Union
South Charleston, WV · Credit union · NCUA · $139 million assets · 59 loans in 2025
West Virginia Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
59
loans originated, 2025
66
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
West Virginia Federal Credit Union is a small refinance lender around Charleston whose mortgage lending rose by a third in 2025, faster than at most credit unions its size.
Refinances made up 78.0% of its 59 loans in 2025; the rest were home purchases. Its typical loan was $65,000, against $95,000 at similar lenders, credit unions making between half and twice as many loans. Every loan was conventional.
Its loans rose 34%, from 44 to 59. The typical similar lender grew 7% and the whole market 10%, so it grew faster than more than three-quarters of its peers. It filed no reports for 2020 to 2022; those are gaps in the record, not years without lending.
Its typical rate was 5.74%, against 6.75% at similar lenders, lower than at more than nine in ten of them. It fell from 5.99% in 2024.
It has lent in Charleston, West Virginia, since at least 1990. Its share there rose from 0.5% to 0.7%, placing it 32nd of 157 lenders; City National Bank of West Virginia leads. It also gained a little in Huntington-Ashland, where its share rose from 0.1% to 0.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. West Virginia Federal Credit Union took 66 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 78.0% · Purchase 22.0%
Conventional 100.0% · of 59 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 | 59 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charleston | 40 |
| Huntington-Ashland | 18 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C62MGHXEJVMZ35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 70786 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 517057 | 1990–2017 |
Established 1 January 1965. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: West Virginia Federal Credit Union's data.
West Virginia Federal Credit Union's data
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West Virginia 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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