Uniwyo Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Uniwyo Federal Credit Union of Laramie, WY reported 644 mortgage applications totaling $91.8 million, up 66% from 2023. The average application was for $142,515, and applicants reported an average income of $128,785. 66% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Casper, WY (153), Cheyenne, WY (97) and College Station-Bryan, TX (3) (applications in parentheses).
| Mortgage Company & Address | Uniwyo Federal Credit Union 2020 Grand Ave Laramie, WY 82070 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 644 |
| Total Mortgage Loan Application Amount | $91,780,000 |
| Average Mortgage Loan Application Amount | $142,515 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $128,785 |
| Highest Applicant Income | $2,360,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Uniwyo Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Albany, Wyoming | 251 | $ 37,475,000 | $ 149,302 | $ 121,000 |
| Natrona, Wyoming | 153 | $ 16,365,000 | $ 106,960 | $ 133,000 |
| Laramie, Wyoming | 97 | $ 12,395,000 | $ 127,783 | $ 112,000 |
| Converse, Wyoming | 29 | $ 2,525,000 | $ 87,068 | $ 116,000 |
| Park, Wyoming | 19 | $ 2,465,000 | $ 129,736 | $ 138,000 |
| Carbon, Wyoming | 13 | $ 2,515,000 | $ 193,461 | $ 123,000 |
| Goshen, Wyoming | 8 | $ 1,330,000 | $ 166,250 | $ 125,000 |
| Sheridan, Wyoming | 6 | $ 1,880,000 | $ 313,333 | $ 214,000 |
| Sublette, Wyoming | 6 | $ 800,000 | $ 133,333 | $ 148,000 |
| Campbell, Wyoming | 5 | $ 685,000 | $ 137,000 | $ 99,000 |
| Fremont, Wyoming | 5 | $ 595,000 | $ 119,000 | $ 165,000 |
| Platte, Wyoming | 5 | $ 615,000 | $ 123,000 | $ 178,000 |
| Weld, Colorado | 3 | $ 1,575,000 | $ 525,000 | $ 202,000 |
| Lafayette, Louisiana | 3 | $ 555,000 | $ 185,000 | $ 83,000 |
| Brazos, Texas | 3 | $ 975,000 | $ 325,000 | $ 138,000 |
| Crook, Wyoming | 3 | $ 155,000 | $ 51,666 | $ 113,000 |
| Uinta, Wyoming | 3 | $ 395,000 | $ 131,666 | $ 140,000 |
| Washakie, Wyoming | 3 | $ 335,000 | $ 111,666 | $ 150,000 |
| Larimer, Colorado | 2 | $ 1,090,000 | $ 545,000 | $ 664,000 |
| McPherson, Kansas | 2 | $ 400,000 | $ 200,000 | $ 159,000 |
| Clay, South Dakota | 2 | $ 750,000 | $ 375,000 | $ 137,000 |
| Hot Springs, Wyoming | 2 | $ 230,000 | $ 115,000 | $ 105,000 |
| Teton, Wyoming | 2 | $ 630,000 | $ 315,000 | $ 268,000 |
| Boulder, Colorado | 1 | $ 315,000 | $ 315,000 | $ 305,000 |
| Denver, Colorado | 1 | $ 325,000 | $ 325,000 | $ 79,000 |
| Grand, Colorado | 1 | $ 255,000 | $ 255,000 | $ 103,000 |
| Jefferson, Colorado | 1 | $ 465,000 | $ 465,000 | $ 214,000 |
| Mesa, Colorado | 1 | $ 365,000 | $ 365,000 | $ 116,000 |
| Teton, Idaho | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Sherman, Kansas | 1 | $ 255,000 | $ 255,000 | $ 117,000 |
| Meeker, Minnesota | 1 | $ 335,000 | $ 335,000 | $ 117,000 |
| Clay, Missouri | 1 | $ 355,000 | $ 355,000 | $ 108,000 |
| Keith, Nebraska | 1 | $ 55,000 | $ 55,000 | $ 582,000 |
| Morrill, Nebraska | 1 | $ 75,000 | $ 75,000 | $ 96,000 |
| Seward, Nebraska | 1 | $ 265,000 | $ 265,000 | $ 116,000 |
| Tulsa, Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 76,000 |
| Pennington, South Dakota | 1 | $ 305,000 | $ 305,000 | $ 178,000 |
| Grays Harbor, Washington | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| Big Horn, Wyoming | 1 | $ 635,000 | $ 635,000 | $ 496,000 |
| Johnson, Wyoming | 1 | $ 145,000 | $ 145,000 | $ 136,000 |
| Lincoln, Wyoming | 1 | $ 135,000 | $ 135,000 | $ 193,000 |
| Weston, Wyoming | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for Uniwyo Federal Credit Union in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other Purpose | 212 | $16,120,000 | $76,000 | $325,000 | $127,000 | $2,360,000 |
| Home Improvement | 190 | $13,750,000 | $72,000 | $505,000 | $122,000 | $651,000 |
| Home Purchase | 159 | $47,175,000 | $296,000 | $755,000 | $144,000 | $1,128,000 |
| Cash-out Refinancing | 48 | $6,620,000 | $137,000 | $565,000 | $121,000 | $600,000 |
| Refinancing | 35 | $8,115,000 | $231,000 | $645,000 | $118,000 | $290,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 523 | $74,215,000 | $141,000 | $745,000 | $128,000 | $2,360,000 |
| Not Provided | 53 | $9,215,000 | $173,000 | $755,000 | $164,000 | $1,128,000 |
| Hispanic | 49 | $5,185,000 | $105,000 | $555,000 | $102,000 | $334,000 |
| Asian | 8 | $1,630,000 | $203,000 | $475,000 | $110,000 | $227,000 |
| Black or African American | 8 | $1,280,000 | $160,000 | $615,000 | $131,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $166,000 | $166,000 |
| Not applicable | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $207,000 | $207,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 629 | $86,885,000 | $138,000 | $755,000 | $129,000 | $2,360,000 |
| VA-guaranteed (Veterans Administration) | 8 | $2,800,000 | $350,000 | $725,000 | $111,000 | $163,000 |
| FHA-insured (Federal Housing Administration) | 7 | $2,095,000 | $299,000 | $425,000 | $93,000 | $162,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 424 | $58,250,000 | $137,000 | $755,000 | $134,000 | $1,128,000 |
| Application Withdrawn By Applicant | 118 | $23,570,000 | $199,000 | $745,000 | $140,000 | $2,360,000 |
| Application Denied By Financial Institution | 96 | $8,540,000 | $88,000 | $425,000 | $89,000 | $622,000 |
| Preapproval Denied by Financial Institution | 4 | $680,000 | $170,000 | $255,000 | $86,000 | $111,000 |
| Application Approved But Not Accepted | 1 | $105,000 | $105,000 | $105,000 | $188,000 | $188,000 |
| File Closed For Incompleteness | 1 | $635,000 | $635,000 | $635,000 | $496,000 | $496,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 544 | $82,560,000 | $151,000 | $755,000 | $136,000 | $2,360,000 |
| Debt-To-Income Ratio | 40 | $3,930,000 | $98,000 | $325,000 | $67,000 | $240,000 |
| Credit History | 31 | $2,845,000 | $91,000 | $425,000 | $93,000 | $622,000 |
| Collateral | 19 | $1,685,000 | $88,000 | $325,000 | $135,000 | $582,000 |
| Unverifiable Information | 4 | $460,000 | $115,000 | $285,000 | $79,000 | $102,000 |
| Credit Application Incomplete | 3 | $195,000 | $65,000 | $85,000 | $84,000 | $114,000 |
| Other | 3 | $105,000 | $35,000 | $55,000 | $60,000 | $90,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Uniwyo Federal Credit Union's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Uniwyo Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Wyoming, download the full spreadsheet
with aggregated HMDA statistics today.
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