Lender in Florida · HMDA 2025
Vystar Credit Union mortgages in Florida
Vystar Credit Union's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Vystar Credit Union originated 900 owner-occupied single-family loans in Florida from 1,224 completed applications.
Its median conventional purchase loan costs were $4,600 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.25% (Florida: 6.625%).
Loans in FL
900
of 1,224 applications
Denial rate
7.1%
Purchase · FL 12.8%
Rate spread
−0.36 pts
Conv. · FL +0.14 pts
Loan amount
$345,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 663 | 594 | 7.1% | 6.250% | −0.36 pts | $4,600 | $345,000 |
| Refinance | 282 | 159 | 40.8% | 6.125% | −0.53 pts | $5,290 | $445,000 |
| Cash-out refinance | 279 | 147 | 45.5% | 6.750% | +0.17 pts | $3,090 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Vystar Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Baker County | 4 | 14 | 5.0% |
| Bradford County | 5 | 10 | 4.0% |
| Putnam County | 7 | 18 | 3.1% |
| Hamilton County | 7 | 2 | 3.2% |
| St. Johns County | 9 | 166 | 2.3% |
| Duval County | 10 | 296 | 2.2% |
| Nassau County | 10 | 37 | 2.2% |
| Columbia County | 10 | 13 | 2.5% |
| Suwannee County | 10 | 4 | 1.7% |
| Clay County | 12 | 84 | 2.1% |
| Taylor County | 12 | 2 | 1.8% |
| Jefferson County | 14 | 2 | 1.7% |
| Flagler County | 15 | 37 | 1.3% |
| Union County | 16 | 1 | 1.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology