Applications / Mortgage Analytics / Lenders / Wyoming / First Education Federal Credit Union
Cheyenne, WY · Credit union · NCUA · $85.3 million assets · 44 loans in 2025
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44
loans originated, 2025
47
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Education Federal Credit Union does one thing: in 2025 all 44 of its loans were refinances, and all were in one county around Cheyenne.
Every loan was a refinance, and every one was conventional. Its typical loan was $85,000, close to the $92,500 at similar lenders (credit unions making between half and twice as many loans). Its typical rate, 6.38%, was lower than at about three-quarters of them.
Its loans rose 13% from 39 in 2024, against 3% at similar lenders and 10% for the whole market. It has made between 31 and 44 loans in every reported year since 2018. It filed no report for 2020 and 2021, which is a gap in the record, not a lack of lending.
36.4% of its loans went to low- and moderate-income (LMI) borrowers, against 31.2% at similar lenders, more than at about three in five of them. Only 4.5% were in LMI neighborhoods, against 17.4%. With 44 loans in a single county, that may simply reflect where its members live.
It ranked 42 of 190 lenders in Cheyenne, where it has reported since 1994. Its share edged up to 0.5% from 0.4%. Fairway Independent Mortgage and Jonah Bank of Wyoming lead the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Education Federal Credit Union took 47 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 100.0%
Conventional 100.0% · of 44 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 |
|---|---|---|
| Wyoming | 44 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cheyenne | 44 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009V6C21MWMPSR74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 867173 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55465 | 1994–2017 |
Established 1 January 1947. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: First Education Federal Credit Union's data.
First Education Federal Credit Union's data
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First Education 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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