Lenders › VyStar Credit Union › Florida
VyStar Credit Union in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
VyStar Credit Union's 2024 HMDA record for Florida covers 7,275 applications, 2,961 of them originated, worth $529m.
Its denial rate in the state was 48.1%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 50.0%.
The median rate spread on its Florida originations was 0.6 percentage points (state median 0.3).
Applications in the state were down 13% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | VyStar Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 48.1% | 29.0% | 50.0% | 24.3% |
| Median rate spread, pp | 0.6 | 0.3 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.5% | 16.4% | 18.7% | 15.6% |
| Average originated loan | $179k | $359k | $179k | $329k |
| Home purchase share | 17.3% | 62.9% | 17.5% | 57.0% |
| FHA-insured share | 1.3% | 17.7% | 1.3% | 13.4% |
| VA-guaranteed share | 0.6% | 9.5% | 0.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 17% (513)Home improvement 1% (16)Refinancing 2% (69)Cash-out refinancing 79% (2,352)Other purpose 0% (11)
By type
Conventional 98% (2,903)FHA 1% (39)VA 1% (19)
Denial reasons as coded
Share of 2,797 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Duval County | 2,781 | 1,110 | $168m | 49.7% |
| St. Johns County | 1,154 | 565 | $129m | 36.6% |
| Clay County | 894 | 395 | $49m | 43.6% |
| Nassau County | 342 | 132 | $20m | 49.4% |
| Flagler County | 322 | 126 | $16m | 50.8% |
| Volusia County | 302 | 105 | $12m | 57.3% |
| Putnam County | 181 | 69 | $7.8m | 53.3% |
| Alachua County | 132 | 47 | $6.4m | 54.6% |
| Lake County | 93 | 37 | $5.4m | 53.2% |
| Columbia County | 105 | 36 | $5.5m | 54.2% |
| Bradford County | 93 | 32 | $3.8m | 57.1% |
| Baker County | 74 | 32 | $4.3m | 43.1% |
| Orange County | 85 | 30 | $7.6m | 51.6% |
| Sumter County | 48 | 24 | $5.0m | 35.0% |
| Seminole County | 67 | 23 | $4.5m | 55.8% |
| Leon County | 66 | 23 | $5.6m | 55.6% |
| Marion County | 79 | 22 | $2.6m | 61.3% |
| Walton County | 30 | 17 | $26m | — |
| Hillsborough County | 37 | 15 | $11m | 46.4% |
| Brevard County | 39 | 12 | $3.3m | 60.0% |
| Suwannee County | 29 | 12 | $1.7m | 52.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did VyStar Credit Union originate in Florida in 2024?
2,961 loans totalling $529m, from 7,275 applications reported for properties in Florida.
What is VyStar Credit Union's denial rate in Florida?
48.1% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 50.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does VyStar Credit Union lend in most?
By originations: Duval County (1,110), St. Johns County (565), Clay County (395), Nassau County (132), Flagler County (126).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.