Applications / Mortgage Analytics / Lenders / North Carolina / Skyla Federal Credit Union
Charlotte, NC · Credit union · NCUA · $1.6 billion assets · 861 loans in 2025
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861
loans originated, 2025
1,753
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Skyla Federal Credit Union is a Charlotte credit union whose lending is mostly for other purposes rather than purchase or refinance, with LMI (low- and moderate-income) and majority-minority areas taking more of its loans than at most similar lenders.
Other purposes made up 62.1% of its loans, purchases 19.9% and refinances 18.0%. Its typical loan, $105,000, matched similar lenders' (credit unions making between half and twice as many loans), while jumbo loans (larger than the conforming limit) were 3.2%, against 0.9%.
LMI areas took 23.8% of its loans, against 15.0% at peers, higher than about nineteen in twenty. Majority-minority areas took 30.6%, against 10.3%, higher than more than three-quarters of peers, and LMI borrowers 31.2%, against 27.7%. Its home market, Charlotte, may be one reason its lending reaches such areas.
It ranked 50 of 775 lenders in Charlotte-Concord-Gastonia, where it has lent since 1991, behind United Wholesale Mortgage and Rocket Mortgage; its share slipped 0.1 points to 0.4%. Its originations fell 5% to 861 while the whole market grew 10%, a possible reason for the fall. In 2025 it entered Savannah, Knoxville and Johnson City.
Its originations rose from 246 in 2021 to 1,247 in 2022, and have been 909, 905 and 861 since. It merged with Premier Federal Credit Union in 2021 and Parsons Federal Credit Union in 2023; the first merger is one possible reason for the larger lending.
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Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Skyla Federal Credit Union took 1,753 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 62.1% · Purchase 19.9% · Refinance 18.0%
Conventional 100.0% · of 861 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Carolina | 752 | 87.3% |
| South Carolina | 72 | 8.4% |
| California | 14 | 1.6% |
| Georgia | 4 | 0.5% |
| Illinois | 3 | 0.3% |
| Maryland | 3 | 0.3% |
| Virginia | 3 | 0.3% |
| Colorado | 2 | 0.2% |
| Tennessee | 2 | 0.2% |
| Arizona | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 658 |
| Asheville | 31 |
| Greensboro-High Point | 21 |
| Burlington | 12 |
| Los Angeles-Long Beach-Glendale | 11 |
| Winston-Salem | 11 |
| Raleigh-Cary | 7 |
| Hickory-Lenoir-Morganton | 6 |
| Myrtle Beach-Conway-North Myrtle Beach | 4 |
| Atlanta-Sandy Springs-Roswell | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WMQ4WI6QXK7803 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 560090 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560154 | 1998–2008 |
| Respondent ID (the HMDA filer code before 2018) | 524808 | 2009–2017 |
Established 1 January 1962. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Skyla Federal Credit Union's data.
Skyla Federal Credit Union's data
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Skyla Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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