Applications / Mortgage Analytics / Lenders / West Virginia / WV Central Federal Credit Union
Parkersburg, WV · Credit union · NCUA · $323 million assets · 116 loans in 2025
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116
loans originated, 2025
149
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
WV Central Federal Credit Union is a refinance lender that grew by a quarter in 2025 and ranks ninth in its home market of Parkersburg.
Refinances made up 75.9% of its 116 loans in 2025 and purchases the rest. Its typical loan was $95,000, close to the $105,000 typical of similar lenders, credit unions making between half and twice as many loans. None of its loans was higher-priced (a rate well above the average for similar loans), against 2.9% at the typical peer.
Its loans rose 25% in 2025, from 93, faster than at about two-thirds of its peers, whose typical growth was 8%. It is still below the 188 loans it made in 2021.
In Parkersburg-Vienna, where it has lent since 1990, it ranks 9 of 111 lenders with 4.0% of lending, up from 3.2%. Peoples Bank leads that market, followed by Movement Mortgage and Rocket Mortgage. Elsewhere its presence is slight.
Some 37.9% of its borrowers had low or moderate incomes, against 29.3% at the typical peer, more than at about three-quarters of them. It also financed more manufactured homes than most: 9.5% of its loans, against none at the typical peer.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. WV Central Federal Credit Union took 149 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 75.9% · Purchase 24.1%
Conventional 100.0% · of 116 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 | 102 | 87.9% |
| Ohio | 14 | 12.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Parkersburg-Vienna | 89 |
| Canton-Massillon | 1 |
| Columbus | 1 |
| Huntington-Ashland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FFFM0IGJLBWH48 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 345699 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567774 | 1992–2016 |
| Respondent ID (the HMDA filer code before 2018) | 524888 | 2017–2017 |
Established 1 January 1969. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: WV Central Federal Credit Union's data.
WV Central Federal Credit Union's data
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WV Central 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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