We analyzed every closed loan from Vystar Credit Union — 746 loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Regional · 7 mkts
Awards
Jumbo
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
Explore another lender or local market
Report Card
Vystar Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 2.1 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 8 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 596 | 79.9% | +0.042%Above | $2,227Fees | ||||
FHA Loans | 29 | 3.9% | +1.279%Above | $2,638Fees | ||||
VA Loans | — | 19 | 2.5% | +0.282%Above | $2,009Fees | |||
Jumbo Loans | 102 | 13.7% | -0.936%Below | $4,021Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume596
Mix79.9%
Spread
+0.042%Above
Fees
$2,227Fees
FHA Loans
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume29
Mix3.9%
Spread
+1.279%Above
Fees
$2,638Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume19
Mix2.5%
Spread
+0.282%Above
Fees
$2,009Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughSound
Volume102
Mix13.7%
Spread
-0.936%Below
Fees
$4,021Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 487 | 65.3% | -0.194%Below | $2,848Fees | ||||
Refinance | 259 | 34.7% | +0.342%Above | $1,621Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughAcceptable
Volume487
Mix65.3%
Spread
-0.194%Below
Fees
$2,848Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume259
Mix34.7%
Spread
+0.342%Above
Fees
$1,621Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
746
Applications
1,833
Volume
$305 million
Pricing & Closing
Avg Rate Spread
-0.021%
vs. market APOR
Avg Net Fees
$2,452
Origination − Credits
Pullthrough Rate
40.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$409,330
Avg Borrower Income
$185,491
Avg Property Value
$606,729
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
2South2
FLGA
Top Metro Areas by Place Specialization Score
Volume 501Mix 67.16% of portfolio
93/100
Exceptional
Volume 42Mix 5.63% of portfolio
64/100
Strong
Volume 18Mix 2.41% of portfolio
53/100
Sound
Volume 15Mix 2.01% of portfolio
48/100
Sound
Volume 21Mix 2.82% of portfolio
48/100
Sound
Volume 13Mix 1.74% of portfolio
41/100
Sound
Volume 10Mix 1.34% of portfolio
39/100
AcceptableTop States by Place Specialization Score
1
FloridaState
Volume 719Mix 96.38% of portfolio
80/100
Strong2
GeorgiaState
Volume 26Mix 3.49% of portfolio
47/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.