Applications / Mortgage Analytics / Lenders / Virginia / Skyline National Bank
Independence, VA · National bank · OCC · $1.3 billion assets · 676 loans in 2025
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676
loans originated, 2025
768
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Skyline National Bank is a Virginia bank whose lending grew 25% in 2025, faster than most similar lenders, and which ranked second among 233 lenders in Blacksburg-Christiansburg-Radford.
Originations rose 25% to 676, while similar lenders (national banks making between half and twice as many loans) grew 7% and the whole market 10%; its growth was higher than more than four in five of them. Lending rose to $199.2 million from $110.5 million. It has about doubled its 336 loans of 2020.
Its share there rose 3.0 points to 6.3%, ranking 2 of 233 lenders, behind Alcova Mortgage. It also gained 0.3 points to 1.0% in Hickory-Lenoir-Morganton, ranking 23 of 374, while its share slipped 0.1 points to 0.2% in Winston-Salem.
Every loan was conventional. Its typical loan, $145,000, was smaller than at more than four in five similar lenders, where it was $205,000. Manufactured homes were 4.4% of its loans, against 1.2% at peers. Purchases were 36.4%, other purposes 26.6%, refinances 20.9% and home improvement 16.1%.
LMI (low- and moderate-income) areas took 18.8% of its loans, against 15.6% at peers, a higher share than about seven in ten of them. Majority-minority areas took 1.9%, against 7.8%; the make-up of its western Virginia and North Carolina markets is one plausible reason.
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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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Skyline National Bank took 768 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 36.4% · Other 26.6% · Refinance 20.9% · Home improvement 16.1%
Conventional 100.0% · of 676 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 |
|---|---|---|
| Virginia | 338 | 50.0% |
| North Carolina | 286 | 42.3% |
| Tennessee | 50 | 7.4% |
| West Virginia | 2 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Blacksburg-Christiansburg-Radford | 104 |
| Hickory-Lenoir-Morganton | 79 |
| Winston-Salem | 37 |
| Roanoke | 27 |
| Charlotte-Concord-Gastonia | 18 |
| Kingsport-Bristol | 11 |
| Greensboro-High Point | 6 |
| Lynchburg | 6 |
| Beckley | 2 |
| Durham-Chapel Hill | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900R1UY5PAEIHXX38 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 90328 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110834 | 2017–2017 |
Established 6 October 1900. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Skyline National Bank's data.
Skyline National Bank's data
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Skyline National Bank 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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