Applications / Mortgage Analytics / Lenders / Wyoming / WyHy Federal Credit Union
Cheyenne, WY · Credit union · NCUA · $402 million assets · 253 loans in 2025
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253
loans originated, 2025
387
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
WyHy Federal Credit Union, a Cheyenne credit union, lends mostly against homes its members already own, and its lending grew by 30% in 2025.
Only 6.3% of its 253 loans financed purchases. The rest were refinances, home-improvement and other loans. Its typical loan was $75,000, against $105,000 at similar lenders, credit unions making between half and twice as many loans, and smaller than at almost nine in ten of them.
Its typical rate was 8.00%, higher than at almost all of its peers, whose typical rate was 6.80%. Its mix is one possible reason: home-improvement and other-purpose loans, which make up most of its book, usually carry higher rates than first mortgages. Its share of higher-priced loans (a rate well above the average for similar loans) was 1.3%, near the middle of its peers.
Its loans rose 30% in 2025 and have more than quadrupled since 2023, when it made 60. Similar lenders grew 6% at the typical one; its growth was faster than at about three-quarters of them.
It ranks 14 of 139 lenders in Casper, with 1.8% of lending, up from 1.4%, and 24 of 190 in Cheyenne, with 1.0%, up from 0.8%. Guild Mortgage Company leads Casper and Fairway Independent Mortgage leads Cheyenne.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. WyHy Federal Credit Union took 387 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 34.4% · Other 31.2% · Home improvement 28.1% · Purchase 6.3%
Conventional 99.2% · FHA 0.8% · of 253 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 | 252 | 99.6% |
| Colorado | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Casper | 96 |
| Cheyenne | 82 |
| Greeley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004JDNBZNOT8PR69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 309682 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59094 | 1996–2017 |
Established 1 January 1953. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: WyHy Federal Credit Union's data.
WyHy Federal Credit Union's data
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WyHy 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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