Skyla Federal Credit Union in South Carolina vs the state
24.6%Denial rate+6.31 pts vs state
30.2%Decision denial rate+6.72 pts vs state
55.4%Origination rate-1.23 pts vs state
7.00%Median rate+0.50 pts vs state
-0.32Rate spread (pts)-0.54 pts vs state
$127kMedian applicant income
72Loans originated
32Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 99 | 71 | 25.3% | 8.25% | #233 |
| 2024 | 120 | 77 | 28.3% | 8.25% | #224 |
| 2025 | 130 | 72 | 24.6% | 7.00% | #224 |
What Skyla Federal Credit Union lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Skyla Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 62 | 39 | 11 | 17.7% |
| Lancaster County | 28 | 17 | 8 | 28.6% |
| Chester County | 8 | 2 | 4 | 50.0% |
| Spartanburg County | 8 | 2 | 4 | 50.0% |
| Horry County | 5 | 4 | 0 | 0.0% |
| Cherokee County | 4 | 2 | 1 | 25.0% |
| Lexington County | 3 | 1 | 0 | 0.0% |
| Richland County | 3 | 0 | 2 | 66.7% |
| Dorchester County | 2 | 1 | 1 | 50.0% |
| Charleston County | 2 | 1 | 0 | 0.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 130 applications in 2025, of which 72 were originated and 32 denied.
24.6% of all applications, or 30.2% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Skyla Federal Credit Union originated in South Carolina in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Skyla Federal Credit Union's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology