Camc Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Camc Federal Credit Union of Charleston, WV reported 67 mortgage applications totaling $5.6 million, up 49% from 2024. The average application was for $83,955, and applicants reported an average income of $104,014. 67% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Charleston, WV (42), Huntington-Ashland, WV-KY-OH (13) and Beckley, WV (2) (applications in parentheses).
| Mortgage Company & Address | Camc Federal Credit Union 3400 Maccorkle Avenue Se Charleston, WV 25304 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 67 |
| Total Mortgage Loan Application Amount | $5,625,000 |
| Average Mortgage Loan Application Amount | $83,955 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $104,014 |
| Highest Applicant Income | $473,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Camc Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kanawha, West Virginia | 41 | $ 2,575,000 | $ 62,804 | $ 99,000 |
| Putnam, West Virginia | 8 | $ 760,000 | $ 95,000 | $ 110,000 |
| Cabell, West Virginia | 5 | $ 575,000 | $ 115,000 | $ 172,000 |
| Jackson, West Virginia | 4 | $ 240,000 | $ 60,000 | $ 50,000 |
| Roane, West Virginia | 3 | $ 595,000 | $ 198,333 | $ 103,000 |
| Lincoln, West Virginia | 2 | $ 290,000 | $ 145,000 | $ 77,000 |
| Boone, West Virginia | 1 | $ 135,000 | $ 135,000 | $ 122,000 |
| Fayette, West Virginia | 1 | $ 35,000 | $ 35,000 | $ 82,000 |
| Raleigh, West Virginia | 1 | $ 65,000 | $ 65,000 | $ 89,000 |
| Tucker, West Virginia | 1 | $ 355,000 | $ 355,000 | $ 231,000 |
Mortgage Loan Application Detail Totals for Camc Federal Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 20 | $690,000 | $34,000 | $75,000 | $97,000 | $225,000 |
| Home Purchase | 20 | $2,350,000 | $117,000 | $285,000 | $94,000 | $473,000 |
| Other Purpose | 13 | $715,000 | $55,000 | $225,000 | $121,000 | $378,000 |
| Cash-out Refinancing | 11 | $1,175,000 | $106,000 | $285,000 | $107,000 | $331,000 |
| Refinancing | 3 | $695,000 | $231,000 | $355,000 | $133,000 | $231,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 63 | $5,285,000 | $83,000 | $355,000 | $105,000 | $473,000 |
| Black or African American | 4 | $340,000 | $85,000 | $225,000 | $88,000 | $147,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 67 | $5,625,000 | $83,000 | $355,000 | $104,000 | $473,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 45 | $3,295,000 | $73,000 | $355,000 | $116,000 | $473,000 |
| Application Denied By Financial Institution | 17 | $1,595,000 | $93,000 | $285,000 | $63,000 | $136,000 |
| Application Withdrawn By Applicant | 3 | $535,000 | $178,000 | $225,000 | $185,000 | $378,000 |
| Preapproval Approved but not Accepted | 2 | $200,000 | $100,000 | $125,000 | $67,000 | $84,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 50 | $4,030,000 | $80,000 | $355,000 | $118,000 | $473,000 |
| Debt-To-Income Ratio | 13 | $1,285,000 | $98,000 | $285,000 | $60,000 | $136,000 |
| Credit History | 4 | $310,000 | $77,000 | $135,000 | $74,000 | $122,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Camc Federal Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Camc Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in West Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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