Applications / Mortgage Analytics / Lenders / Wyoming / Western Vista Federal Credit Union
Cheyenne, WY · Credit union · NCUA · $275 million assets · 243 loans in 2025
Western Vista Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
243
loans originated, 2025
342
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Western Vista Federal Credit Union is the fourth-largest mortgage lender in Casper, Wyoming, and unlike most credit unions of its size it makes government-backed loans.
Loans insured by the Federal Housing Administration (FHA) made up 21.4% of its lending in 2025, and loans guaranteed by the Department of Veterans Affairs (VA) 6.2%. The typical similar lender, a credit union making between half and twice as many loans, made neither. Its FHA share has more than doubled since 2020, when it was 9.4%.
It ranks fourth of 139 lenders in Casper, its largest market, behind Guild Mortgage Company, Hilltop National Bank and Rocket Mortgage. Its share there slipped from 8.0% to 7.2%. One possibility is that its lending moved toward Cheyenne, where its share rose from 0.2% to 0.7%.
Its typical loan was $195,000, up from $125,000 a year earlier and larger than at nearly nine in ten similar credit unions, where the middle was $105,000. Purchases made up 65.8% of its loans, with home-improvement and other-purpose loans taking most of the rest.
It made 243 loans, against 251 in 2024, while the whole market grew by 10%. Its denial rate on home-purchase applications was 3.8%, against 8.0% at similar credit unions, lower than at about three-quarters of them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Western Vista Federal Credit Union took 342 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.8% · Other 14.8% · Home improvement 11.5% · Refinance 7.8%
Conventional 72.4% · FHA 21.4% · VA 6.2% · of 243 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 | 237 | 97.5% |
| Colorado | 4 | 1.6% |
| Arizona | 1 | 0.4% |
| Montana | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Casper | 179 |
| Cheyenne | 37 |
| Fort Collins-Loveland | 3 |
| Denver-Aurora-Centennial | 1 |
| Prescott Valley-Prescott | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WRB87J6ZL6CO07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 320575 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53972 | 1992–2017 |
Established 1 January 1940. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Western Vista Federal Credit Union's data.
Western Vista Federal Credit Union's data
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Western Vista 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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