Skyone Federal Credit Union Mortgage Rates, Fees & Info
Hawthorne, CALEI: 549300V3N91EH05UWL23
Tax ID: 95-1659710
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Skyone Federal Credit Union is a smaller credit union specializing in Cash Out Refi and Home Purchase loans. Skyone Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, San Diego, Santa Maria, Las Vegas, and Salinas among others. We have data for 52 markets. (Some data included below & more in-depth data is available with an active subscription.)Skyone Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
113Origination Dollar Volume (All Markets)
$52,265,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 29 | $28,915,000 | $997,069 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $5,200,000 | $1,300,000 | $0 | 0.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $1,905,000 | $1,905,000 | $0 | 0.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 7 | $1,405,000 | $200,714 | $0 | 0.00% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $0 | 0.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $0 | 0.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $0 | 0.00% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $0 | 0.00% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $0 | 0.00% |
| BEND, OR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 0.00% |
| Burley, ID (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 0.00% |
| RENO, NV (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $340,000 | $85,000 | $0 | 0.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| CHICO, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| Sonora, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| Shelton, WA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 0.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $115,000 | $115,000 | $0 | 0.00% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| Seymour, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against SKYONE Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 109 | $50,765,000 | $465,734 | $0 | 0.00% |
| VA | 4 | $1,500,000 | $375,000 | $0 | 0.00% |
For 2022, Skyone Federal Credit Union's most frequently originated type of loan was Conventional, with 109 originations. Their 2nd most popular type was VA, with 4 originations.
Loan Reason
For 2022, Skyone Federal Credit Union's most frequently cited loan purpose was Cash Out Refi, with 80 originations. The 2nd most popular reason was Home Purchase, with 25 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 113 | $52,265,000 | $462,522 | $0 | 0.00% |
For 2022, Skyone Federal Credit Union's most frequently cited loan duration was Other, with 113 originations.
Loan Sizing
2022 saw Skyone Federal Credit Union place emphasis on $100,000 or less loans with 36 originations, totaling $2,100,000 in origination value.
Applicant Income
Skyone Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 29 originations. The second most popular income band? $75k-100k, with 29 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 113 | $52,265,000 | $462,522 | $0 | 0.00% |
Skyone Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 113 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.66%
Skyone Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination51.33%
Skyone Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 113 | $52,265,000 | $462,522 |