Applications / Mortgage Analytics / Lenders / California / Skyone Federal Credit Union
Hawthorne, CA · Credit union · NCUA · $882 million assets · 64 loans in 2025
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64
loans originated, 2025
113
applications, 2025
21
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Skyone Federal Credit Union, based in California, makes few home loans but spreads them wide: its 64 loans in 2025 went to 46 counties in 21 states.
Its 64 loans in 2025 went to 37 metros, and in none of its largest markets did it hold a measurable share. In Los Angeles, where it has lent since 1994, it ranked 492 of 757 lenders. It first lent in Ocala, Grand Forks and Dalton in 2025. Its record includes mergers with Japan Air Lines Federal CU and Qantas Federal Credit Union in 2011 and British Airways Employees Federal Credit Union in 2015.
Its typical loan was $285,000, close to its $295,000 in 2020 and far above the $95,000 at the typical similar lender, a credit union making between half and twice as many loans. Only about one in twenty peers lent more. The 2024 figure, $105,000, is the odd year out.
Low- and moderate-income borrowers took 9.5% of its loans, against 31.0% at the typical peer. Its larger loans offer one possible reason. Yet 34.4% of its loans were in majority-minority neighborhoods, more than at about four in five peers, whose typical share was 9.3%.
Its loans rose 8% to 64, in line with peers' 7%. That is about a third of the 183 it made in 2020, after four years of decline. Refinances still make up 53.1% of its lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Skyone Federal Credit Union took 113 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 53.1% · Purchase 46.9%
Conventional 98.4% · VA 1.6% · of 64 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 |
|---|---|---|
| California | 22 | 34.4% |
| Texas | 6 | 9.4% |
| Florida | 5 | 7.8% |
| Georgia | 5 | 7.8% |
| Colorado | 3 | 4.7% |
| Kansas | 3 | 4.7% |
| Ohio | 3 | 4.7% |
| Arizona | 2 | 3.1% |
| Oklahoma | 2 | 3.1% |
| Washington | 2 | 3.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 13 |
| Dallas-Plano-Irving | 5 |
| Riverside-San Bernardino-Ontario | 3 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Cincinnati | 2 |
| Denver-Aurora-Centennial | 2 |
| Marietta | 2 |
| Ocala | 2 |
| Oklahoma City | 2 |
| Phoenix-Mesa-Chandler | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V3N91EH05UWL23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1017087 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56248 | 1994–2017 |
Established 1 January 1949. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Skyone Federal Credit Union's data.
Skyone Federal Credit Union's data
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Skyone 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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