Applications / Mortgage Analytics / Lenders / West Virginia / Universal Federal Credit Union
Huntington, WV · Credit union · NCUA · $94.6 million assets · 12 loans in 2025
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12
loans originated, 2025
13
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Universal Federal Credit Union is a small West Virginia credit union that has reported its mortgage lending since 1990 and made just 12 loans in 2025.
Its lending has roughly halved in a few years. It made between 24 and 27 loans a year from 2018 to 2021, and between 12 and 15 a year since 2022. In 2025 its loans fell 14%, a little less than the 20% fall at similar lenders (credit unions making between half and twice as many loans), while the whole market rose 10%.
Huntington-Ashland is its biggest market, and it has lent there since 1990. It ranks 98 of 237 lenders, with 0.1% of the market's lending, unchanged on the year. City National Bank of West Virginia leads that market. In Charleston, which it entered in 2002, it ranks 155 of 157, as a lender of its size in a larger market may.
All 12 of its loans were conventional, and its typical loan of $50,000 was smaller than at almost all similar lenders. On so few loans, though, neither figure says much about how it lends. The same goes for its shares of loans to poorer borrowers and neighborhoods, and to manufactured homes, each of which rests on a handful of loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Universal Federal Credit Union took 13 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.7% · Refinance 41.7% · Other 16.7%
Conventional 100.0% · of 12 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 | 12 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Huntington-Ashland | 11 |
| Charleston | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930007EJ1IS7U47Q27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 802071 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5785 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Universal Federal Credit Union's data.
Universal Federal Credit Union's data
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Universal 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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