# VYSTAR CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/vystar-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


VYSTAR CREDIT UNION is a credit union, headquartered in Jacksonville, FL, serving borrowers across 2 states, with 746 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 55% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930036K3ZFJ4FOKT69
- **Headquarters:** Jacksonville, FL
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, GA
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.021%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,452
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 746
- **Dollar Volume:** $305 million
- **Applications Received:** 1,833
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $409,330
- **Average Borrower Income:** $185,491
- **Average Property Value:** $606,729

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 596 | +0.042% | $2,227 | Strong 😀 |
| FHA | 56/100 | 29 | +1.279% | $2,638 | Sound ☺️ |
| VA | 59/100 | 19 | +0.282% | $2,009 | Sound ☺️ |
| Jumbo | 81/100 | 102 | -0.936% | $4,021 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 372 loans, Score: 61/100 (Strong)
- Refinance: 224 loans, Score: 76/100 (Strong)

**Jumbo:**
- Purchase: 87 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 487 | $238M | -0.194% | Strong 😀 |
| Refinance | 74/100 | 259 | $67M | +0.342% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 719 | 0.25% | 80/100 |
| GA | 26 | 0.02% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Jacksonville, FL | FL | 501 | 93/100 |
| Non |  | 52 | 42/100 |
| Deltona | FL | 42 | 64/100 |
| Orlando | FL | 21 | 48/100 |
| Gainesville, FL | FL | 18 | 53/100 |
| Crestview | FL | 15 | 48/100 |
| Atlanta | GA | 13 | 41/100 |
| Tampa, FL | FL | 10 | 39/100 |

## Where This Lender Ranks

VYSTAR CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Jacksonville, FL for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Jacksonville, FL for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Florida for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/credit-unions/fha-loans)
- 🥉 **#3** in Florida for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Jacksonville, FL Credit Unions
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Jacksonville, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Deltona for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/deltona/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Deltona Credit Unions
  - [View Full Rankings](https://saferate.com/deltona/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Gainesville, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Florida Credit Unions
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Florida for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Florida for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#9** in Jacksonville, FL for Jumbo Loans
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/jumbo-loans)
- 🏆 **#18** in Crestview for Jumbo Loans
  - [View Full Rankings](https://saferate.com/crestview/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does VYSTAR CREDIT UNION offer?

VYSTAR CREDIT UNION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does VYSTAR CREDIT UNION offer mortgages?

VYSTAR CREDIT UNION offers mortgages in 2 states: FL, GA.

### How competitive are VYSTAR CREDIT UNION's mortgage rates?

VYSTAR CREDIT UNION has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.021% below market average.

### What type of lender is VYSTAR CREDIT UNION?

VYSTAR CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Jacksonville, FL.

### What is VYSTAR CREDIT UNION's loan approval success rate?

VYSTAR CREDIT UNION has a pull-through score of 47/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/vystar-credit-union

### How to Cite

> "VYSTAR CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/vystar-credit-union

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