Skyla Federal Credit Union in California vs the state
39.4%Denial rate+21.97 pts vs state
48.2%Decision denial rate+25.75 pts vs state
42.4%Origination rate-13.78 pts vs state
7.38%Median rate+0.75 pts vs state
2.21Rate spread (pts)+1.94 pts vs state
$161kMedian applicant income
14Loans originated
13Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 6 | 14.3% | 8.50% | #790 |
| 2024 | 32 | 16 | 46.9% | 8.18% | #582 |
| 2025 | 33 | 14 | 39.4% | 7.38% | #574 |
What Skyla Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Skyla Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 20 | 11 | 5 | 25.0% |
| San Bernardino County | 6 | 2 | 3 | 50.0% |
| Riverside County | 2 | 0 | 2 | 100.0% |
| Orange County | 2 | 0 | 1 | 50.0% |
| Kern County | 1 | 1 | 0 | 0.0% |
| Ventura County | 1 | 0 | 1 | 100.0% |
| Santa Clara County | 1 | 0 | 1 | 100.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 33 applications in 2025, of which 14 were originated and 13 denied.
39.4% of all applications, or 48.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Skyla Federal Credit Union originated in California in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Skyla Federal Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology