# UNIWYO FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/uniwyo-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


UNIWYO FEDERAL CREDIT UNION is a credit union, headquartered in Laramie, WY, serving borrowers across 9 states, with 100 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 75% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 74% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300J5YB46ZKVUNF26
- **Headquarters:** Laramie, WY
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** CO, KS, LA, MO, NE, SD, TX, WA, WY
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.4%
- **Brokered/Wholesale:** 0.6%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.205%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,916
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 100
- **Dollar Volume:** $32 million
- **Applications Received:** 181
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $316,900
- **Average Borrower Income:** $142,540
- **Average Property Value:** $440,400

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 93 | +0.234% | $3,976 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 75 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 45/100 | 82 | $27M | +0.162% | Sound ☺️ |
| Refinance | 40/100 | 18 | $5M | +0.416% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WY | 82 | 1.31% | 81/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 59 | 54/100 |
| Casper, WY | WY | 18 | 60/100 |

## Where This Lender Ranks

UNIWYO FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Wyoming Credit Unions
  - [View Full Rankings](https://saferate.com/wyoming/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Wyoming for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wyoming/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#16** in Casper, WY for Conventional Loans
  - [View Full Rankings](https://saferate.com/casper-wy/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does UNIWYO FEDERAL CREDIT UNION offer?

UNIWYO FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UNIWYO FEDERAL CREDIT UNION offer mortgages?

UNIWYO FEDERAL CREDIT UNION offers mortgages in 9 states: CO, KS, LA, MO, NE, SD, TX, WA, WY.

### How competitive are UNIWYO FEDERAL CREDIT UNION's mortgage rates?

UNIWYO FEDERAL CREDIT UNION has a pricing score of 25/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.205% above market average.

### What type of lender is UNIWYO FEDERAL CREDIT UNION?

UNIWYO FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Laramie, WY.

### What is UNIWYO FEDERAL CREDIT UNION's loan approval success rate?

UNIWYO FEDERAL CREDIT UNION has a pull-through score of 26/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/uniwyo-federal-credit-union

### How to Cite

> "UNIWYO FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/uniwyo-federal-credit-union

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