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VYSTAR CREDIT UNION
Credit Union|Jacksonville, FL|Regional
Loans Originated
746
Applications
1,833
Volume
$305 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐Jumbo Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.021%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,452
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
40.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
Report Card
VYSTAR CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
VA | Sound | Industry Standard | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Regional · 8 metro areas · 2 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$409,330
Average Borrower Income
$185,491
Average Property Value
$606,729
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 596 | 79.9% | +0.042% | $2,227 |
FHA Loans | Acceptable | Sound | Acceptable | Acceptable | 29 | 3.9% | +1.279% | $2,638 |
VA Loans | Sound | Sound | N/A | Sound | 19 | 2.5% | +0.282% | $2,009 |
Jumbo Loans | Strong | Exceptional | Strong | Sound | 102 | 13.7% | -0.936% | $4,021 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Acceptable | 487 | 65.3% | -0.194% | $2,848 |
Refinance | Sound | Strong | Sound | Sound | 259 | 34.7% | +0.342% | $1,621 |
Geographic Coverage
Metro Areas
7
States Served
2
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
FLGA
Top Metro Areas by Place Specialization Score
1
Jacksonville, FL, FLMSA
Volume: 501Mix: 67.16%
Place Specialization
Exceptional
2
Deltona, FLMSA
Volume: 42Mix: 5.63%
Place Specialization
Strong
3
Gainesville, FL, FLMSA
Volume: 18Mix: 2.41%
Place Specialization
Sound
4
Crestview, FLMSA
Volume: 15Mix: 2.01%
Place Specialization
Sound
5
Orlando, FLMSA
Volume: 21Mix: 2.82%
Place Specialization
Sound
6
Atlanta, GAMSA
Volume: 13Mix: 1.74%
Place Specialization
Sound
7
Tampa, FL, FLMSA
Volume: 10Mix: 1.34%
Place Specialization
Acceptable
Top States by Place Specialization Score
1
FLState
Volume: 719Mix: 96.38%
Place Specialization
Strong
2
GAState
Volume: 26Mix: 3.49%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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