Vystar Credit Union in Florida vs the state
34.9%Denial rate+13.80 pts vs state
43.2%Decision denial rate+15.97 pts vs state
44.6%Origination rate-8.08 pts vs state
6.75%Median rate+0.13 pts vs state
0.19Rate spread (pts)-0.08 pts vs state
$100kMedian applicant income
3,214Loans originated
2,512Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,406 | 3,613 | 42.4% | 7.75% | #24 |
| 2024 | 7,275 | 2,961 | 38.5% | 8.00% | #30 |
| 2025 | 7,205 | 3,214 | 34.9% | 6.75% | #30 |
What Vystar Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Vystar Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 2,524 | 1,096 | 900 | 35.7% |
| St. Johns County | 1,209 | 644 | 328 | 27.1% |
| Clay County | 865 | 412 | 294 | 34.0% |
| Nassau County | 333 | 164 | 113 | 33.9% |
| Flagler County | 308 | 139 | 107 | 34.7% |
| Volusia County | 288 | 106 | 109 | 37.8% |
| Putnam County | 224 | 80 | 95 | 42.4% |
| Orange County | 133 | 52 | 56 | 42.1% |
| Alachua County | 130 | 48 | 52 | 40.0% |
| Columbia County | 101 | 39 | 38 | 37.6% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 7,205 applications in 2025, of which 3,214 were originated and 2,512 denied.
34.9% of all applications, or 43.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Vystar Credit Union originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Vystar Credit Union's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology