SKYLA FEDERAL CREDIT UNION
SKYLA FEDERAL CREDIT UNION received 1,753 applications in 2025 and made 861 mortgages, in 156 counties across 29 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 1,540 decisions, 633 were denials — 41.1%, most often for credit history.
| Legal Entity Identifier | 549300WMQ4WI6QXK7803 |
|---|---|
| Applications received | 1,753 |
| Mortgages made | 861 |
| Denied | 633 |
| Approved, not taken up | 46 |
| Withdrawn or incomplete | 213 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.092 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 171 | 6.250% | $345,000 | 7.7% |
| Refinancing | 100 | 6.740% | $180,000 | 25.0% |
| Cash-out refinancing | 55 | 7.500% | $85,000 | 89.3% |
| Other purposes | 535 | 7.500% | $95,000 | 12.5% |
Where SKYLA FEDERAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Mecklenburg County, NC | 358 | 7.500% | 40.8% |
| Union County, NC | 82 | 7.500% | 26.2% |
| Cabarrus County, NC | 51 | 7.500% | 43.8% |
| Gaston County, NC | 45 | 7.500% | 37.3% |
| York County, SC | 39 | 7.250% | 22.0% |
| Rowan County, NC | 31 | 7.000% | 46.9% |
| Buncombe County, NC | 27 | 7.500% | 22.9% |
| Cleveland County, NC | 22 | 7.500% | 52.1% |
| Iredell County, NC | 22 | 7.250% | 24.2% |
| Guilford County, NC | 17 | 7.720% | 61.7% |
| Lancaster County, SC | 17 | 7.500% | 32.0% |
| Rutherford County, NC | 16 | 7.500% | 61.9% |
| Alamance County, NC | 12 | 7.375% | 40.0% |
| Los Angeles County, CA | 11 | 7.250% | 31.3% |
| Lincoln County, NC | 10 | 7.500% | 40.0% |
| Davidson County, NC | 6 | Under 10 loans | 25.0% |
| Wake County, NC | 6 | Under 10 loans | 14.3% |
| Stanly County, NC | 5 | Under 10 loans | 0.0% |
| Forsyth County, NC | 4 | Under 10 loans | 33.3% |
| Horry County, SC | 4 | Under 10 loans | 0.0% |
| Catawba County, NC | 3 | Under 10 loans | 0.0% |
| McDowell County, NC | 3 | Under 10 loans | 0.0% |
| Randolph County, NC | 3 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 2 | Under 10 loans | 60.0% |
| Cook County, IL | 2 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 2 | Under 10 loans | 0.0% |
| Burke County, NC | 2 | Under 10 loans | 0.0% |
| Caswell County, NC | 2 | Under 10 loans | 0.0% |
| Henderson County, NC | 2 | Under 10 loans | 40.0% |
| Madison County, NC | 2 | Under 10 loans | 0.0% |
| Orange County, NC | 2 | Under 10 loans | 0.0% |
| Watauga County, NC | 2 | Under 10 loans | 0.0% |
| Cherokee County, SC | 2 | Under 10 loans | 33.3% |
| Chester County, SC | 2 | Under 10 loans | 66.7% |
| Spartanburg County, SC | 2 | Under 10 loans | 57.1% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Kern County, CA | 1 | Under 10 loans | 0.0% |
| Arapahoe County, CO | 1 | Under 10 loans | 0.0% |
| Jefferson County, CO | 1 | Under 10 loans | 0.0% |
| Seminole County, FL | 1 | Under 10 loans | 50.0% |
| Carroll County, GA | 1 | Under 10 loans | 0.0% |
| Coweta County, GA | 1 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 66.7% |
| Effingham County, GA | 1 | Under 10 loans | 0.0% |
| Kendall County, IL | 1 | Under 10 loans | 0.0% |
| Fayette County, KY | 1 | Under 10 loans | 0.0% |
| Montgomery County, MD | 1 | Under 10 loans | 0.0% |
| Alexander County, NC | 1 | Under 10 loans | 0.0% |
| Anson County, NC | 1 | Under 10 loans | 50.0% |
| Avery County, NC | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.