Applications / Mortgage Analytics / Lenders / Virginia / Celco Community Federal Credit Union
Narrows, VA · Credit union · NCUA · $143 million assets · 29 loans in 2025
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29
loans originated, 2025
38
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Celco Community Federal Credit Union is a small Virginia credit union that makes many of its few loans on manufactured homes, which the typical similar credit union does not finance.
Manufactured homes made up 34.5% of its loans. The typical similar credit union, one making between half and twice as many loans, made none, so the credit union sits above almost all its peers on this measure. All its loans were conventional, and its typical loan, $85,000, was a little below peers' $95,000.
It made 29 loans, down 38% from 47 in 2024, while similar credit unions fell 3% and the whole market grew 10%. On so few loans a handful of applications moves the total; the credit union made 67 as recently as 2023. In Blacksburg-Christiansburg-Radford, its largest metro market, its share slipped from 0.7% to 0.3% as its own lending shrank, and it ranked 50 of 233 lenders.
None of its loans went to poorer neighborhoods (low- and moderate-income, or LMI, tracts) or to majority-minority areas, against 17.6% and 10.7% at the typical peer. It lends in only six counties with one metro, which may hold few such neighborhoods, and on 29 loans the figures are too small to read much into. Its share of loans to LMI borrowers, 34.5%, was close to peers' 31.9%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Celco Community Federal Credit Union took 38 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.5% · Refinance 31.0% · Home improvement 3.4%
Conventional 100.0% · of 29 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 |
|---|---|---|
| Virginia | 18 | 62.1% |
| West Virginia | 11 | 37.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Blacksburg-Christiansburg-Radford | 17 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009NMZ1FPA016I77 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 618384 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511254 | 2004–2017 |
Established 1 January 1956. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Celco Community Federal Credit Union's data.
Celco Community Federal Credit Union's data
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Celco Community 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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