# WYHY

> **Canonical URL:** https://saferate.com/lenders/wyhy


> **📋 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


WYHY is a credit union, headquartered in Cheyenne, WY, with 17 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 63% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493004JDNBZNOT8PR69
- **Headquarters:** Cheyenne, WY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** WY
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 17
- **Dollar Volume:** $3 million
- **Applications Received:** 25
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $195,588
- **Average Borrower Income:** $108,235
- **Average Property Value:** $568,750

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 21/100 | 17 | +0.791% | $1,580 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 35/100 | 13 | $2M | +0.987% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WY | 17 | 0.27% | 61/100 |

## Where This Lender Ranks

WYHY appears in the following market rankings:

### Best Overall Mortgage Lenders

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

## Frequently Asked Questions

### What loan types does WYHY offer?

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

### Where does WYHY offer mortgages?

WYHY offers mortgages in 1 states: WY.

### What type of lender is WYHY?

WYHY is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Cheyenne, WY.

### What is WYHY's loan approval success rate?

WYHY has a pull-through score of 37/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/wyhy

### How to Cite

> "WYHY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/wyhy

---

**[View Interactive Profile →](https://saferate.com/lenders/wyhy)**