Skyla Federal Credit Union in Georgia vs the state
73.3%Denial rate+54.11 pts vs state
73.3%Decision denial rate+48.26 pts vs state
26.7%Origination rate-27.42 pts vs state
7.59%Median rate+0.96 pts vs state
1.40Rate spread (pts)+1.13 pts vs state
$116kMedian applicant income
4Loans originated
11Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 7 | 2 | 71.4% | 7.44% | #707 |
| 2025 | 15 | 4 | 73.3% | 7.59% | #607 |
What Skyla Federal Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Skyla Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 3 | 1 | 2 | 66.7% |
| Fulton County | 2 | 0 | 2 | 100.0% |
| Henry County | 1 | 0 | 1 | 100.0% |
| Coweta County | 1 | 1 | 0 | 0.0% |
| Cobb County | 1 | 0 | 1 | 100.0% |
| Monroe County | 1 | 0 | 1 | 100.0% |
| Effingham County | 1 | 1 | 0 | 0.0% |
| Gwinnett County | 1 | 0 | 1 | 100.0% |
| Douglas County | 1 | 0 | 1 | 100.0% |
| Troup County | 1 | 0 | 1 | 100.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 15 applications in 2025, of which 4 were originated and 11 denied.
73.3% of all applications, or 73.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Skyla Federal Credit Union originated in Georgia in 2025 was 7.59%, against a statewide median of 6.63%.
About this data. Figures are Skyla Federal Credit Union's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology