Skyla Federal Credit Union in North Carolina vs the state
35.4%Denial rate+17.35 pts vs state
40.0%Decision denial rate+17.13 pts vs state
50.3%Origination rate-7.48 pts vs state
7.50%Median rate+1.00 pts vs state
0.11Rate spread (pts)+0.02 pts vs state
$98kMedian applicant income
752Loans originated
529Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,199 | 823 | 29.9% | 8.25% | #71 |
| 2024 | 1,358 | 784 | 34.2% | 8.50% | #62 |
| 2025 | 1,494 | 752 | 35.4% | 7.50% | #63 |
What Skyla Federal Credit Union lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Skyla Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 723 | 358 | 257 | 35.5% |
| Union County | 133 | 82 | 32 | 24.1% |
| Cabarrus County | 103 | 51 | 42 | 40.8% |
| Gaston County | 88 | 45 | 28 | 31.8% |
| Rowan County | 70 | 31 | 30 | 42.9% |
| Guilford County | 53 | 17 | 29 | 54.7% |
| Cleveland County | 52 | 22 | 25 | 48.1% |
| Rutherford County | 46 | 16 | 26 | 56.5% |
| Buncombe County | 43 | 27 | 8 | 18.6% |
| Iredell County | 35 | 22 | 8 | 22.9% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 1,494 applications in 2025, of which 752 were originated and 529 denied.
35.4% of all applications, or 40.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Skyla Federal Credit Union originated in North Carolina in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Skyla Federal Credit Union's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology