SKYONE Federal Credit Union
SKYONE Federal Credit Union received 113 applications in 2025 and made 64 mortgages, in 75 counties across 27 states. The median rate its borrowers got was 6.063% on a median loan of $285,000. Of 83 decisions, 17 were denials — 20.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300V3N91EH05UWL23 |
|---|---|
| Applications received | 113 |
| Mortgages made | 64 |
| Denied | 17 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.107 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 | 30 | 5.990% | $375,000 | 3.2% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Cash-out refinancing | 25 | 9.740% | $125,000 | 30.8% |
Where SKYONE 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 |
|---|---|---|---|
| Los Angeles County, CA | 13 | 6.750% | 18.8% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 2 | Under 10 loans | 33.3% |
| Marion County, FL | 2 | Under 10 loans | 0.0% |
| Butler County, OH | 2 | Under 10 loans | 0.0% |
| Collin County, TX | 2 | Under 10 loans | 0.0% |
| Dallas County, TX | 2 | Under 10 loans | 0.0% |
| Anchorage Municipality, AK | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 0.0% |
| Kern County, CA | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| Placer County, CA | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 1 | Under 10 loans | 0.0% |
| Ventura County, CA | 1 | Under 10 loans | 0.0% |
| Denver County, CO | 1 | Under 10 loans | 0.0% |
| Douglas County, CO | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Bartow County, GA | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| Coweta County, GA | 1 | Under 10 loans | 0.0% |
| Fayette County, GA | 1 | Under 10 loans | 0.0% |
| Whitfield County, GA | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| Tipton County, IN | 1 | Under 10 loans | 0.0% |
| Douglas County, KS | 1 | Under 10 loans | 0.0% |
| Johnson County, KS | 1 | Under 10 loans | 0.0% |
| Nemaha County, KS | 1 | Under 10 loans | 0.0% |
| Prince George's County, MD | 1 | Under 10 loans | 0.0% |
| Scott County, MN | 1 | Under 10 loans | 0.0% |
| Grand Forks County, ND | 1 | Under 10 loans | 0.0% |
| Lorain County, OH | 1 | Under 10 loans | 0.0% |
| McClain County, OK | 1 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 1 | Under 10 loans | 0.0% |
| Deschutes County, OR | 1 | Under 10 loans | 0.0% |
| Delaware County, PA | 1 | Under 10 loans | 0.0% |
| York County, SC | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Suffolk city, VA | 1 | Under 10 loans | 0.0% |
| King County, WA | 1 | Under 10 loans | 0.0% |
| Pierce County, WA | 1 | Under 10 loans | 0.0% |
| Mohave County, AZ | 0 | Under 10 loans | Not published |
| Yavapai County, AZ | 0 | Under 10 loans | Not published |
| Sacramento County, CA | 0 | Under 10 loans | 100.0% |
| San Diego County, CA | 0 | Under 10 loans | 100.0% |
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When SKYONE Federal Credit Union’s figures are published for the next year, or restated.
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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.