A sudden fall in 2023
The credit union made between 107 and 132 loans a year from 2018 to 2022. In 2023 that fell to 54, and it has kept falling since. The numbers do not show why volume more than halved in a single year.
Applications / Mortgage Analytics / Lenders / West Virginia / First Choice America Community Federal Credit Union
First Choice America Community Federal Credit Union
Weirton, WV · Credit union · NCUA · $688 million assets · 34 loans in 2025
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34
loans originated, 2025
45
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Choice America Community Federal Credit Union, a Weirton lender to home buyers, made 34 loans in 2025, under a third of the 115 it made five years before.
Shrinking as rivals held steady
Its loans fell 17% in 2025, from 41 to 34. Similar lenders, credit unions making between half and twice as many loans, were unchanged, and the whole market rose 10%. With 34 loans, the fall is too small to read much into.
Home purchases, conventional loans
Purchases made up 67.6% of its loans and refinancing 26.5%. Every loan was conventional, with none backed by a government agency. Its typical loan, $115,000, was larger than at about three in five similar lenders, whose typical loan was $87,500.
A small share of a small market
Weirton-Steubenville is its largest market, and it has lent there since 1990. It holds 1.0% of lending there, 20th of 149 lenders, behind Hancock County Savings Bank and WesBanco Bank. Its share slipped 0.1 points there and 0.2 points in Wheeling. That could follow from its falling loan count; with so few loans, a handful more or less moves its share.
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
34 loans in 2025, against a peak of 132 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Choice America Community Federal Credit Union took 45 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
67.6% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 67.6% · Refinance 26.5% · Other 5.9%
Conventional 100.0% · of 34 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
3 states, 3 metros, 8 counties
| State | Loans | Share |
|---|---|---|
| West Virginia | 17 | 50.0% |
| Ohio | 15 | 44.1% |
| Pennsylvania | 2 | 5.9% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Weirton-Steubenville | 21 |
| Wheeling | 10 |
| Pittsburgh | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DFQK7P8BBRWA45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 626679 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53264 | 1990–2017 |
Established 1 January 1939. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Choice America Community Federal Credit Union's data.
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