Vystar Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Vystar Credit Union 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Vystar Credit Union 4949 Blanding Blvd Jacksonville, FL 32210 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 15,792 |
| Total Mortgage Loan Application Amount | $2,478,020,000 |
| Average Mortgage Loan Application Amount | $122,666 |
| Highest Mortgage Loan Application Amount | $3,205,000 |
| Average Applicant Income | $96,333 |
| Highest Applicant Income | $7,155,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Vystar Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Vystar Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Vystar Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Vystar Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Vystar Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Vystar Credit Union's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Duval County Florida | 5,374 | $ 813,010,000 | $ 151,000 | $ 93,000 |
| St. Johns County Florida | 2,560 | $ 481,520,000 | $ 188,000 | $ 125,000 |
| Clay County Florida | 1,879 | $ 271,445,000 | $ 144,000 | $ 89,000 |
| Nassau County Florida | 671 | $ 111,325,000 | $ 165,000 | $ 98,000 |
| Flagler County Florida | 541 | $ 80,695,000 | $ 149,000 | $ 83,000 |
| Volusia County Florida | 504 | $ 75,220,000 | $ 149,000 | $ 85,000 |
| Putnam County Florida | 329 | $ 37,675,000 | $ 114,000 | $ 78,000 |
| Alachua County Florida | 245 | $ 35,605,000 | $ 145,000 | $ 87,000 |
| Columbia County Florida | 211 | $ 25,685,000 | $ 121,000 | $ 74,000 |
| Baker County Florida | 180 | $ 23,940,000 | $ 133,000 | $ 83,000 |
| Marion County Florida | 155 | $ 18,565,000 | $ 119,000 | $ 84,000 |
| Bradford County Florida | 124 | $ 16,140,000 | $ 130,000 | $ 78,000 |
| Sumter County Florida | 78 | $ 10,300,000 | $ 132,000 | $ 80,000 |
| Orange County Florida | 73 | $ 17,935,000 | $ 245,000 | $ 105,000 |
| Suwannee County Florida | 73 | $ 8,095,000 | $ 110,000 | $ 71,000 |
| Lake County Florida | 70 | $ 10,140,000 | $ 144,000 | $ 84,000 |
| Hillsborough County Florida | 44 | $ 8,130,000 | $ 184,000 | $ 140,000 |
| Union County Florida | 39 | $ 5,045,000 | $ 129,000 | $ 72,000 |
| Seminole County Florida | 36 | $ 6,720,000 | $ 186,000 | $ 111,000 |
| Levy County Florida | 29 | $ 2,595,000 | $ 89,000 | $ 65,000 |
| Leon County Florida | 27 | $ 4,685,000 | $ 173,000 | $ 83,000 |
| Taylor County Florida | 23 | $ 2,285,000 | $ 99,000 | $ 80,000 |
| Brevard County Florida | 22 | $ 3,680,000 | $ 167,000 | $ 103,000 |
| Pinellas County Florida | 22 | $ 4,220,000 | $ 191,000 | $ 102,000 |
| Pasco County Florida | 20 | $ 3,370,000 | $ 168,000 | $ 74,000 |
| Broward County Florida | 18 | $ 4,290,000 | $ 238,000 | $ 136,000 |
| Polk County Florida | 18 | $ 3,540,000 | $ 196,000 | $ 88,000 |
| Hamilton County Florida | 16 | $ 1,260,000 | $ 78,000 | $ 61,000 |
| Gilchrist County Florida | 14 | $ 2,350,000 | $ 167,000 | $ 87,000 |
| Lee County Florida | 14 | $ 1,770,000 | $ 126,000 | $ 80,000 |
| Camden County Georgia | 14 | $ 1,920,000 | $ 137,000 | $ 124,000 |
| Palm Beach County Florida | 13 | $ 1,575,000 | $ 121,000 | $ 74,000 |
| Citrus County Florida | 12 | $ 1,570,000 | $ 130,000 | $ 78,000 |
| Miami-Dade County Florida | 11 | $ 2,275,000 | $ 206,000 | $ 201,000 |
| Osceola County Florida | 10 | $ 1,820,000 | $ 182,000 | $ 97,000 |
| Santa Rosa County Florida | 10 | $ 1,910,000 | $ 191,000 | $ 79,000 |
| St. Lucie County Florida | 10 | $ 1,840,000 | $ 184,000 | $ 94,000 |
| Charlotte County Florida | 8 | $ 1,660,000 | $ 207,000 | $ 81,000 |
| Bay County Florida | 7 | $ 1,055,000 | $ 150,000 | $ 126,000 |
| Charlton County Georgia | 6 | $ 860,000 | $ 143,000 | $ 41,000 |
| Gwinnett County Georgia | 6 | $ 1,130,000 | $ 188,000 | $ 103,000 |
| Escambia County Florida | 5 | $ 645,000 | $ 129,000 | $ 115,000 |
| Gadsden County Florida | 5 | $ 745,000 | $ 149,000 | $ 57,000 |
| Martin County Florida | 5 | $ 1,425,000 | $ 285,000 | $ 112,000 |
| Dixie County Florida | 4 | $ 450,000 | $ 112,000 | $ 42,000 |
| Hernando County Florida | 4 | $ 450,000 | $ 112,000 | $ 81,000 |
| Indian River County Florida | 4 | $ 660,000 | $ 165,000 | $ 81,000 |
| Lafayette County Florida | 4 | $ 480,000 | $ 120,000 | $ 81,000 |
| Manatee County Florida | 4 | $ 820,000 | $ 205,000 | $ 145,000 |
| Wakulla County Florida | 4 | $ 760,000 | $ 190,000 | $ 74,000 |
| Madison County Florida | 3 | $ 185,000 | $ 61,000 | $ 39,000 |
| Okaloosa County Florida | 3 | $ 685,000 | $ 228,000 | $ 94,000 |
| Forsyth County Georgia | 3 | $ 185,000 | $ 61,000 | $ 167,000 |
| Henry County Georgia | 3 | $ 385,000 | $ 128,000 | $ 111,000 |
| Highlands County Florida | 2 | $ 400,000 | $ 200,000 | $ 76,000 |
| Holmes County Florida | 2 | $ 50,000 | $ 25,000 | $ 64,000 |
| Sarasota County Florida | 2 | $ 290,000 | $ 145,000 | $ 175,000 |
| Chatham County Georgia | 2 | $ 490,000 | $ 245,000 | $ 61,000 |
| Cherokee County Georgia | 2 | $ 470,000 | $ 235,000 | $ 132,000 |
| Douglas County Georgia | 2 | $ 150,000 | $ 75,000 | $ 152,000 |
| Fulton County Georgia | 2 | $ 60,000 | $ 30,000 | $ 80,000 |
| Lowndes County Georgia | 2 | $ 160,000 | $ 80,000 | $ 51,000 |
| Rockdale County Georgia | 2 | $ 360,000 | $ 180,000 | $ 155,000 |
| Orange County California | 1 | $ 505,000 | $ 505,000 | $ 146,000 |
| Sacramento County California | 1 | $ 55,000 | $ 55,000 | $ 219,000 |
| El Paso County Colorado | 1 | $ 315,000 | $ 315,000 | $ 94,000 |
| Weld County Colorado | 1 | $ 35,000 | $ 35,000 | $ 80,000 |
| Hardee County Florida | 1 | $ 545,000 | $ 545,000 | $ 164,000 |
| Jackson County Florida | 1 | $ 95,000 | $ 95,000 | $ 98,000 |
| Washington County Florida | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Bartow County Georgia | 1 | $ 405,000 | $ 405,000 | $ 108,000 |
| Bryan County Georgia | 1 | $ 185,000 | $ 185,000 | $ 108,000 |
| Bulloch County Georgia | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Cobb County Georgia | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Coffee County Georgia | 1 | $ 215,000 | $ 215,000 | $ 49,000 |
| Dawson County Georgia | 1 | $ 205,000 | $ 205,000 | $ 38,000 |
| Effingham County Georgia | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Emanuel County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Fannin County Georgia | 1 | $ 445,000 | $ 445,000 | $ 89,000 |
| Gilmer County Georgia | 1 | $ 475,000 | $ 475,000 | $ 300,000 |
| Glynn County Georgia | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Hall County Georgia | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| Liberty County Georgia | 1 | $ 105,000 | $ 105,000 | $ 98,000 |
| McIntosh County Georgia | 1 | $ 115,000 | $ 115,000 | $ 76,000 |
| Polk County Georgia | 1 | $ 55,000 | $ 55,000 | $ 183,000 |
| Seminole County Georgia | 1 | $ 95,000 | $ 95,000 | $ 166,000 |
| Turner County Georgia | 1 | $ 345,000 | $ 345,000 | $ 116,000 |
| Union County Georgia | 1 | $ 205,000 | $ 205,000 | $ 109,000 |
| Ware County Georgia | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| White County Georgia | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| Muscatine County Iowa | 1 | $ 435,000 | $ 435,000 | $ 89,000 |
| Johnson County Kansas | 1 | $ 45,000 | $ 45,000 | $ 290,000 |
| Bossier County Louisiana | 1 | $ 155,000 | $ 155,000 | $ 214,000 |
| Jefferson County Louisiana | 1 | $ 185,000 | $ 185,000 | $ 161,000 |
| Calvert County Maryland | 1 | $ 95,000 | $ 95,000 | $ 181,000 |
| Harford County Maryland | 1 | $ 545,000 | $ 545,000 | $ 217,000 |
| Macomb County Michigan | 1 | $ 45,000 | $ 45,000 | $ 192,000 |
| Buchanan County Missouri | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Mercer County New Jersey | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| Rockland County New York | 1 | $ 105,000 | $ 105,000 | $ 117,000 |
| Gaston County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 295,000 |
| Rowan County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Philadelphia County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 138,000 |
| Beaufort County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 181,000 |
| Monroe County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 145,000 |
| Denton County Texas | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Harris County Texas | 1 | $ 105,000 | $ 105,000 | $ 95,000 |
| Hunt County Texas | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Montgomery County Texas | 1 | $ 255,000 | $ 255,000 | $ 141,000 |
| Nacogdoches County Texas | 1 | $ 105,000 | $ 105,000 | $ 169,000 |
| Suffolk County Virginia | 1 | $ 35,000 | $ 35,000 | $ 199,000 |
Mortgage Loan Application Detail Totals for Vystar Credit Union in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 8,131 | $1,298,095,000 | $159,000 | $1,675,000 | $95,000 | $7,155,000 |
| Home Purchase | 3,440 | $658,760,000 | $191,000 | $3,205,000 | $76,000 | $2,864,000 |
| Cash-out Refinancing | 2,995 | $391,975,000 | $130,000 | $1,605,000 | $102,000 | $1,760,000 |
| Home Improvement | 1,052 | $113,070,000 | $107,000 | $1,645,000 | $106,000 | $2,044,000 |
| Other Purpose | 149 | $14,855,000 | $99,000 | $635,000 | $109,000 | $2,224,000 |
| Not Applicable | 25 | $1,265,000 | $50,000 | $165,000 | $90,000 | $227,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 10,483 | $1,653,325,000 | $157,000 | $3,205,000 | $96,000 | $2,864,000 |
| Black or African American | 1,739 | $262,725,000 | $151,000 | $1,645,000 | $82,000 | $7,155,000 |
| Not Provided | 1,698 | $262,690,000 | $154,000 | $1,235,000 | $92,000 | $1,150,000 |
| Hispanic | 1,068 | $165,080,000 | $154,000 | $665,000 | $82,000 | $438,000 |
| Asian | 500 | $86,850,000 | $173,000 | $1,205,000 | $102,000 | $2,144,000 |
| American Indian or Alaskan Native | 150 | $20,110,000 | $134,000 | $425,000 | $87,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $3,140,000 | $157,000 | $295,000 | $99,000 | $221,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 15,328 | $2,379,940,000 | $155,000 | $3,205,000 | $94,000 | $7,155,000 |
| VA-guaranteed (Veterans Administration) | 258 | $60,200,000 | $233,000 | $775,000 | $72,000 | $365,000 |
| FHA-insured (Federal Housing Administration) | 206 | $37,880,000 | $183,000 | $405,000 | $61,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 6,715 | $982,695,000 | $146,000 | $2,305,000 | $82,000 | $2,864,000 |
| Loan Originated | 5,678 | $881,220,000 | $155,000 | $3,205,000 | $96,000 | $1,225,000 |
| Application Withdrawn By Applicant | 2,551 | $473,305,000 | $185,000 | $1,675,000 | $114,000 | $7,155,000 |
| File Closed For Incompleteness | 666 | $110,840,000 | $166,000 | $1,605,000 | $110,000 | $1,150,000 |
| Application Approved But Not Accepted | 182 | $29,960,000 | $164,000 | $685,000 | $91,000 | $385,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 9,077 | $1,495,325,000 | $164,000 | $3,205,000 | $102,000 | $7,155,000 |
| Credit History | 2,464 | $311,090,000 | $126,000 | $1,005,000 | $84,000 | $2,224,000 |
| Debt-To-Income Ratio | 1,644 | $273,870,000 | $166,000 | $2,305,000 | $52,000 | $704,000 |
| Credit Application Incomplete | 897 | $144,135,000 | $160,000 | $835,000 | $107,000 | $2,864,000 |
| Collateral | 835 | $113,245,000 | $135,000 | $1,205,000 | $107,000 | $2,174,000 |
| Other | 480 | $72,180,000 | $150,000 | $1,645,000 | $92,000 | $700,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 298 | $52,930,000 | $177,000 | $905,000 | $71,000 | $397,000 |
| Employment History | 66 | $9,780,000 | $148,000 | $895,000 | $58,000 | $300,000 |
| Unverifiable Information | 30 | $5,350,000 | $178,000 | $705,000 | $119,000 | $410,000 |
| Mortgage Insurance Denied | 1 | $115,000 | $115,000 | $115,000 | $48,000 | $48,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vystar Credit Union's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Vystar Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.