Lender in West Virginia · HMDA 2025
Navy Federal Credit Union mortgages in West Virginia
Navy Federal Credit Union's 2025 home-purchase and refinance lending in West Virginia, compared with all lenders in the state.
Navy Federal Credit Union originated 263 owner-occupied single-family loans in West Virginia from 313 completed applications, making it the state's #14 lender by volume.
Its median conventional purchase loan costs were $3,290 versus $4,280 for all West Virginia lenders, at a median 30-year fixed rate of 6.75% (West Virginia: 6.624%).
Loans in WV
263
of 313 applications
Denial rate
12.0%
Purchase · WV 9.4%
Rate spread
+0.03 pts
Conv. · WV +0.16 pts
Loan amount
$305,000
Purchase · WV $225,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 258 | 224 | 12.0% | 6.750% | +0.03 pts | $3,290 | $305,000 |
| Refinance | 23 | 18 | 21.7% | — | — | — | — |
| Cash-out refinance | 32 | 21 | 34.4% | — | — | — | $275,000 |
*Conventional loans only; medians with at least 20 loans.
West Virginia counties where Navy Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Roane County | 3 | 3 | 3.9% |
| Gilmer County | 4 | 1 | 5.9% |
| McDowell County | 5 | 1 | 5.3% |
| Berkeley County | 6 | 93 | 3.2% |
| Pendleton County | 6 | 2 | 3.5% |
| Tucker County | 7 | 1 | 2.3% |
| Pocahontas County | 8 | 1 | 2.2% |
| Hampshire County | 9 | 9 | 3.0% |
| Greenbrier County | 9 | 5 | 1.7% |
| Jefferson County | 10 | 43 | 2.4% |
| Morgan County | 10 | 7 | 2.3% |
| Hardy County | 10 | 3 | 2.3% |
| Pleasants County | 10 | 1 | 1.9% |
| Grant County | 11 | 2 | 2.2% |
| Lewis County | 12 | 2 | 2.1% |
| Braxton County | 13 | 1 | 1.8% |
| Mercer County | 14 | 6 | 1.5% |
| Randolph County | 14 | 2 | 1.4% |
| Taylor County | 16 | 2 | 1.5% |
| Marshall County | 17 | 3 | 1.1% |
| Harrison County | 18 | 8 | 1.3% |
| Hancock County | 20 | 2 | 0.7% |
| Boone County | 20 | 1 | 0.9% |
| Upshur County | 20 | 1 | 0.7% |
| Raleigh County | 21 | 8 | 1.1% |
| Wood County | 21 | 8 | 1.0% |
| Kanawha County | 22 | 16 | 0.9% |
| Monongalia County | 23 | 9 | 0.9% |
| Marion County | 23 | 4 | 0.7% |
| Jackson County | 25 | 2 | 0.9% |
- Navy Federal Credit Union nationwide
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- Navy Federal Credit Union in Washington
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology