Skyla Federal Credit Union in Virginia vs the state
25.0%Denial rate+9.06 pts vs state
33.3%Decision denial rate+13.08 pts vs state
37.5%Origination rate-22.02 pts vs state
7.50%Median rate+0.88 pts vs state
—Rate spread (pts)
$170kMedian applicant income
3Loans originated
2Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 10 | 6 | 30.0% | 7.63% | #563 |
| 2025 | 8 | 3 | 25.0% | 7.50% | #601 |
What Skyla Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Skyla Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Danville city | 2 | 0 | 1 | 50.0% |
| Arlington County | 1 | 0 | 0 | 0.0% |
| Stafford County | 1 | 1 | 0 | 0.0% |
| Fairfax city | 1 | 1 | 0 | 0.0% |
| Prince William County | 1 | 0 | 0 | 0.0% |
| Bedford County | 1 | 1 | 0 | 0.0% |
| Fairfax County | 1 | 0 | 1 | 100.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 8 applications in 2025, of which 3 were originated and 2 denied.
25.0% of all applications, or 33.3% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Skyla Federal Credit Union originated in Virginia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Skyla Federal Credit Union's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology