Vystar Credit Union in Georgia vs the state
34.0%Denial rate+14.74 pts vs state
47.2%Decision denial rate+22.14 pts vs state
37.7%Origination rate-16.39 pts vs state
6.50%Median rate-0.13 pts vs state
0.00Rate spread (pts)-0.27 pts vs state
$145kMedian applicant income
141Loans originated
127Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 131 | 41 | 53.4% | 7.63% | #276 |
| 2024 | 252 | 88 | 37.7% | 7.94% | #208 |
| 2025 | 374 | 141 | 34.0% | 6.50% | #177 |
What Vystar Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Vystar Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 72 | 30 | 17 | 23.6% |
| Cobb County | 36 | 13 | 10 | 27.8% |
| Gwinnett County | 28 | 16 | 9 | 32.1% |
| Camden County | 27 | 10 | 12 | 44.4% |
| Forsyth County | 22 | 12 | 6 | 27.3% |
| DeKalb County | 20 | 6 | 7 | 35.0% |
| Glynn County | 20 | 11 | 8 | 40.0% |
| Chatham County | 18 | 4 | 9 | 50.0% |
| Charlton County | 14 | 3 | 9 | 64.3% |
| Thomas County | 9 | 0 | 7 | 77.8% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 374 applications in 2025, of which 141 were originated and 127 denied.
34.0% of all applications, or 47.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Vystar Credit Union originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Vystar Credit Union's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology