Currently the three main hubs that most people would use are about the same across the worlds:
Limsa
Iddylshire
and Rhalgr's Reach

To break it down by area:
Limsa: Has the closest marketboard right by the aetheryte. Legit the main reason people use it as the hub as the other two require you to move to a seperate zone for it.
Iddylshire: 3.0 endgame hub but still offers many things people do as their weekly content. Wondrous Tails, custom deliveries, and poetics spending are big reasons people hang out there.
Rhalgr's: Current endgame hub. Spending mendacity/genesis, trading in drops from current raids, and just a very big area to chill in. This area will most likely be abandoned for the Crystarium in 5.0 but will be on the same level as current Iddyl.

The reason no one uses the housing wards are that they don't really have a reason to be there. Everything else you can do and more can be done in Limsa or just by warping to your own house.