Vystar Credit Union mortgage approval rate & lending review
Vystar Credit Union decided 14,679 mortgage applications and funded 8,116 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Vystar Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Vystar Credit Union at a glance
Approval is 13.9 points below the 70.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 1,628 / 1,895 | 95% | $285K | 1,539 |
| Home improvement loans | 70% | 905 / 1,288 | 97% | $75K | 879 |
| Cash-out refinance | 52% | 5,441 / 10,509 | 98% | $75K | 5,343 |
| Refinance | 42% | 278 / 656 | 97% | $285K | 269 |
| Investment property purchase | 79% | 60 / 76 | 93% | $265K | 56 |
| Investment cash-out refinance | 10% | 20 / 198 | 100% | $155K | 20 |
| Investment refinance | 19% | 7 / 36 | 86% | $185K | 6 |
Vystar Credit Union lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Vystar Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Duval County, FL | Cash-out refinance | 50% | 4,408 | 2,143 |
| St. Johns County, FL | Cash-out refinance | 61% | 2,015 | 1,216 |
| Clay County, FL | Cash-out refinance | 57% | 1,597 | 884 |
| Duval County, FL | Mortgage lenders | 88% | 696 | 590 |
| Duval County, FL | Home improvement loans | 68% | 538 | 355 |
| St. Johns County, FL | Mortgage lenders | 88% | 361 | 295 |
| Flagler County, FL | Cash-out refinance | 51% | 534 | 268 |
| Volusia County, FL | Cash-out refinance | 41% | 601 | 244 |
| St. Johns County, FL | Home improvement loans | 77% | 262 | 199 |
| Clay County, FL | Mortgage lenders | 80% | 221 | 163 |
| Clay County, FL | Home improvement loans | 70% | 189 | 130 |
| Duval County, FL | Refinance | 39% | 240 | 92 |
The county markets where Vystar Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Vystar Credit Union
What is Vystar Credit Union's mortgage approval rate?
Vystar Credit Union approved 56.8% of the 14,679 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.9 points below the 70.8% national rate for the same mix of loan types.
How often do borrowers take the loan Vystar Credit Union offers?
Borrowers accepted 97% of the loans Vystar Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Vystar Credit Union make?
The typical cash-out refinance loan Vystar Credit Union made was $75K; across all loan types its typical loan ran from $75K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Vystar Credit Union lend?
Vystar Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Florida and Georgia.
Can I apply to Vystar Credit Union directly?
Yes. Vystar Credit Union is a bank or credit union with 99 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Vystar Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Vystar Credit Union treats applications, then get a rate quote from the lender.