VYSTAR CREDIT UNION
VYSTAR CREDIT UNION received 7,579 applications in 2025 and made 3,355 mortgages, in 119 counties across 2 states. The median rate its borrowers got was 6.750% on a median loan of $105,000. Of 6,082 decisions, 2,639 were denials — 43.4%, most often for credit history.
| Legal Entity Identifier | 54930036K3ZFJ4FOKT69 |
|---|---|
| Applications received | 7,579 |
| Mortgages made | 3,355 |
| Denied | 2,639 |
| Approved, not taken up | 88 |
| Withdrawn or incomplete | 1,497 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1855 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 722 | 5.875% | $345,000 | 9.4% |
| Refinancing | 231 | 5.875% | $355,000 | 46.5% |
| Cash-out refinancing | 658 | 6.875% | $115,000 | 36.9% |
| Other purposes | 1,744 | 7.000% | $75,000 | 52.3% |
Where VYSTAR CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Duval County, FL | 1,096 | 6.875% | 44.4% |
| St. Johns County, FL | 644 | 6.750% | 33.2% |
| Clay County, FL | 412 | 6.875% | 40.9% |
| Nassau County, FL | 164 | 6.875% | 40.5% |
| Flagler County, FL | 139 | 6.750% | 43.0% |
| Volusia County, FL | 106 | 6.875% | 50.0% |
| Putnam County, FL | 80 | 6.813% | 54.3% |
| Orange County, FL | 52 | 6.500% | 51.4% |
| Alachua County, FL | 48 | 6.813% | 51.5% |
| Baker County, FL | 47 | 6.625% | 42.4% |
| Columbia County, FL | 39 | 6.500% | 48.1% |
| Marion County, FL | 37 | 6.625% | 51.3% |
| Leon County, FL | 35 | 6.500% | 41.0% |
| Bradford County, FL | 32 | 6.750% | 52.9% |
| Hillsborough County, FL | 32 | 5.875% | 25.0% |
| Fulton County, GA | 30 | 5.625% | 35.4% |
| Lake County, FL | 28 | 7.000% | 59.2% |
| Seminole County, FL | 21 | 6.750% | 55.6% |
| Sumter County, FL | 21 | 6.750% | 30.3% |
| Brevard County, FL | 18 | 6.688% | 51.3% |
| Gwinnett County, GA | 16 | 7.125% | 36.0% |
| Suwannee County, FL | 14 | 6.563% | 67.4% |
| Cobb County, GA | 13 | 6.000% | 43.5% |
| Walton County, FL | 12 | 5.875% | 33.3% |
| Forsyth County, GA | 12 | 6.188% | 33.3% |
| Pinellas County, FL | 11 | 6.500% | 33.3% |
| Glynn County, GA | 11 | 6.875% | 42.1% |
| Citrus County, FL | 10 | 5.875% | 37.5% |
| Camden County, GA | 10 | 6.750% | 54.6% |
| Broward County, FL | 9 | Under 10 loans | 52.6% |
| Union County, FL | 9 | Under 10 loans | 55.0% |
| Pasco County, FL | 8 | Under 10 loans | 50.0% |
| Hernando County, FL | 7 | Under 10 loans | 50.0% |
| Osceola County, FL | 7 | Under 10 loans | 61.9% |
| Levy County, FL | 6 | Under 10 loans | 60.0% |
| Manatee County, FL | 6 | Under 10 loans | 25.0% |
| Miami-Dade County, FL | 6 | Under 10 loans | 25.0% |
| Polk County, FL | 6 | Under 10 loans | 50.0% |
| DeKalb County, GA | 6 | Under 10 loans | 53.8% |
| Lee County, FL | 4 | Under 10 loans | 0.0% |
| Martin County, FL | 4 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 4 | Under 10 loans | 33.3% |
| Palm Beach County, FL | 4 | Under 10 loans | 73.3% |
| Santa Rosa County, FL | 4 | Under 10 loans | 20.0% |
| Taylor County, FL | 4 | Under 10 loans | 60.0% |
| Chatham County, GA | 4 | Under 10 loans | 69.2% |
| Hamilton County, FL | 3 | Under 10 loans | 57.1% |
| Jefferson County, FL | 3 | Under 10 loans | 25.0% |
| Wakulla County, FL | 3 | Under 10 loans | 0.0% |
| Charlton County, GA | 3 | Under 10 loans | 75.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.