Applications / Mortgage Analytics / Lenders / Wyoming / Uniwyo Federal Credit Union
Laramie, WY · Credit union · NCUA · $791 million assets · 387 loans in 2025
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387
loans originated, 2025
547
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Uniwyo Federal Credit Union is a Wyoming credit union that lends mainly for home improvement, refinancing and other purposes; purchases were only 5.9% of its loans.
Purchases made up only 5.9% of its 387 loans. The rest split almost evenly between other purposes (33.1%), home improvement (31.5%) and refinancing (29.5%). Its typical loan, $75,000, was smaller than at about nine in ten similar lenders (credit unions making between half and twice as many loans), which fits borrowing against homes already owned.
It first reported in 2021, so there is no 2020 figure to compare. Its loans rose from 256 in 2023 to 424 in 2024; it merged with Reliant Federal Credit Union in 2023, which may have played a part. In 2025 they fell 9%, while similar lenders' rose 7% and the whole market 10%.
Non-metro Wyoming is its largest market, where it ranks 27 of 314 lenders; United Wholesale Mortgage leads there. In Casper it ranks 17 of 139, with lending recorded there since 2000. It also lends in Colorado and, from 2025, in non-metro New Mexico.
Low- and moderate-income (LMI) borrowers took 22.8% of its loans, up from 14.8% in 2024. That is still below the 27.5% at similar lenders. Its small loans for improvements and other purposes go to existing owners, which may shape who borrows.
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, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Uniwyo Federal Credit Union took 547 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 33.1% · Home improvement 31.5% · Refinance 29.5% · Purchase 5.9%
Conventional 100.0% · of 387 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 | 383 | 99.0% |
| Colorado | 3 | 0.8% |
| New Mexico | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Casper | 105 |
| Cheyenne | 46 |
| Fort Collins-Loveland | 1 |
| Greeley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300J5YB46ZKVUNF26 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 111483 | 2022–2023 |
Established 1 January 1953. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: Uniwyo Federal Credit Union's data.
Uniwyo Federal Credit Union's data
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