Applications / Mortgage Analytics / Lenders / West Virginia / Star USA Federal Credit Union
Charleston, WV · Credit union · NCUA · $157 million assets · 16 loans in 2025
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16
loans originated, 2025
54
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Star USA Federal Credit Union made only 16 home loans of its own in 2025, a 75% fall, while it bought 78 loans from other lenders.
Its loans fell from 65 in 2024 to 16. Similar lenders, credit unions making between half and twice as many loans, fell 10%, and its fall was steeper than at nearly all of them. It made 202 loans in 2020 and has made fewer each year since 2022. The data do not show why.
In 2025 it bought 78 loans from other lenders, after buying none in 2024. That is more loans than it made itself; the typical similar lender bought none. Whether the purchases replace its own lending is a question the data cannot settle.
On 16 loans, its shares of manufactured homes, higher-priced loans and lower-income borrowers are too small to read much into. Its main market is Charleston, West Virginia, where it ranked 58 of 157 lenders with a share of 0.2%. City National Bank of West Virginia leads there. Its few loans still reached nine states.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Star USA Federal Credit Union took 54 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.0% · Refinance 25.0%
Conventional 100.0% · of 16 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 | 8 | 50.0% |
| Michigan | 1 | 6.2% |
| Minnesota | 1 | 6.2% |
| North Carolina | 1 | 6.2% |
| New Jersey | 1 | 6.2% |
| New York | 1 | 6.2% |
| Ohio | 1 | 6.2% |
| Oregon | 1 | 6.2% |
| South Carolina | 1 | 6.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charleston | 4 |
| Beckley | 2 |
| Buffalo-Cheektowaga | 1 |
| Camden | 1 |
| Cincinnati | 1 |
| Duluth | 1 |
| Greenville-Anderson-Greer | 1 |
| Kalamazoo-Portage | 1 |
| Salem | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002Z4GZF8C2F3T27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 207975 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5911 | 1993–2017 |
Established 1 January 1936. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Star USA Federal Credit Union's data.
Star USA Federal Credit Union's data
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Star USA 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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