Home financing in Kanawha County.
County-by-county financing guides. No paperwork. No social. No ID.
14 institutions are headquartered inside the Kanawha County line, Charleston included, and 1 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Kanawha County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 15
- DOORS HERE
- 14
- BASED HERE
- 29
- WV COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 181Kresidents of Kanawha County
- Covers
- Charleston
- Elsewhere in WV
- Cabell County →9 doors — the biggest list of any other county in West Virginia
- State
- West Virginia →29 of 55 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Element Credit Union · CommunityWorks in West Virginia, Inc.Owned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Camc Credit Union · Element Credit Union- Camc Credit UnionPersonal · Home
- Element Credit UnionCDFI-certifiedPersonal · Home
- Kemba Charleston Credit UnionPersonal · Home
- Members Choice WV Credit UnionPersonal · Home · Business capital
- Peoples Credit UnionPersonal · Home · Business capital
- IN THIS LIST
2 of the 15 doors inside the county line are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Pioneer Appalachia Credit UnionPersonal · Home · Business capital
- Star USA Credit UnionPersonal · Home · Business capital
- West Virginia Credit UnionPersonal · Home · Business capital
Show the other 6Show fewer
- WV National Guard Credit UnionPersonal · Home
- CommunityWorks in West Virginia, Inc.Community lending · Business capital
- Cha-Tel Credit UnionPersonal · Business capital
- Charleston Credit UnionPersonal
- Charleston Postal Credit UnionPersonal
- Kanawha Institute for Social Research & Action (KISRA)Business capital
Based elsewhere, with a member-facing office inside the Kanawha County line. You can walk in.
- Union Trades Credit UnionPersonal · Home
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
Nobody paid to be on this list.
The 15 doors inside the county line come off public data, and 13 of them are owned by their own members. We do not ask for your name, and we earn nothing if you knock on one door rather than another.
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Who actually approves home loans in Kanawha County.
home-purchase applications that reached a decision were turned down: 373 of 1,717.
- Applications
- 2,294
- Loans made
- 1,250
- Median rate
- 6.5%
- Credit history49.1%
- Too much debt for the income20.1%
- Information they couldn't verify14.2%
- City National Bank of West Virginia36520729.1%6.3%
- Rocket Mortgage27818922.7%6.5%
- Loandepot.com2241619.7%6.4%
- Gateway First Bank1841375.4%6.6%
- Truist Bank1568827.5%6.8%
- The Huntington National Bank1518328.3%6.9%
- Crosscountry Mortgage117795.7%6.8%
- Success Mortgage Partners117770%6.9%
- Mortgage Research Center1336723.3%6.4%
- WesBanco Bank1066223.2%6.3%
The 10 lenders that made the most home loans in Kanawha County in 2025, buying and refinancing together. The mark on each bar is the whole county's denial rate (27.4%). Home loans only: first-lien, owner-occupied, one-to-four-unit homes, as reported under the federal HMDA law. Small lenders below its reporting threshold — many of the credit unions above — don't report, so their loans aren't counted here. Rates are for loans made. Source: HMDA 2025 public loan records (FFIEC).
This guide explains how home financing works in Kanawha County, West Virginia, with a focus on the local lenders, credit unions, CDFIs, and state programs that actually serve this community. Whether you are buying your first home, refinancing, or investing in a small rental property, there are real options available — including paths for borrowers without a Social Security number. Take your time, compare lenders, and lean on local intermediaries who know the Charleston-area market.
- 15
- DOORS HERE
- 44
- ACROSS WV
Based in Charleston, West Virginia. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is CDFI-certified.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Charleston, West Virginia. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in.
BEST FORBuying, repairing or refinancing a home, and a personal loan, or building a credit file from nothing.Based in Dunbar, West Virginia. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Charleston, West Virginia. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Everything below is set by West Virginia, and it reads the same in every county in it. The 15 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
None of this is set by a lender. West Virginia sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- PROPERTY TAX0.57% effective
What West Virginia charges every year on what the house is worth. No lender sets it and it does not go away when the loan does — it is part of the payment from day one.
- MEDIAN HOME, STATEWIDE$167K
The number an appraisal gets read against. A house well under it is often the loan a big bank does not want — which is exactly what the doors above are for.
- STATE INCOME TAX2.36% – 5.12%
It comes off before a lender works out how much of your income can go to a payment.
- COST OF LIVING87.7
National index, where 100 is the country's average. Under 100 means your money goes further here than it does nationally.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
- 01
15 doors sit inside the Kanawha County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
2 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 03
This page did not ask you for a name, an email, or a number, and nothing on it changes based on who you are.
- 04
29 of West Virginia's 55 counties hold a door in this lane. If Kanawha County does not have the one you need, the whole state is one click away.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN KANAWHA COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN KANAWHA COUNTY →29WV COUNTIES WITH DOORSThe whole stateEvery county in West Virginia, in this same lane.44 institutions fund homes and repairs inside West Virginia county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.