Vystar Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Vystar Credit Union 2023 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 | 11,627 |
| Total Mortgage Loan Application Amount | $1,977,165,000 |
| Average Mortgage Loan Application Amount | $1,215,400 |
| Highest Mortgage Loan Application Amount | $36,915,000 |
| Average Applicant Income | $104,200 |
| Highest Applicant Income | $4,107,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 3,016 | $ 414,720,000 | $ 137,000 | $ 105,000 |
| St. Johns County Florida | 1,473 | $ 239,125,000 | $ 162,000 | $ 146,000 |
| Clay County Florida | 1,139 | $ 137,865,000 | $ 121,000 | $ 104,000 |
| Volusia County Florida | 457 | $ 51,365,000 | $ 112,000 | $ 99,000 |
| Nassau County Florida | 399 | $ 42,545,000 | $ 106,000 | $ 113,000 |
| Flagler County Florida | 360 | $ 47,010,000 | $ 130,000 | $ 98,000 |
| Putnam County Florida | 225 | $ 21,405,000 | $ 95,000 | $ 78,000 |
| Alachua County Florida | 141 | $ 31,675,000 | $ 224,000 | $ 120,000 |
| Columbia County Florida | 125 | $ 11,795,000 | $ 94,000 | $ 83,000 |
| Lake County Florida | 125 | $ 16,225,000 | $ 129,000 | $ 113,000 |
| Baker County Florida | 117 | $ 10,665,000 | $ 91,000 | $ 93,000 |
| Marion County Florida | 115 | $ 18,675,000 | $ 162,000 | $ 89,000 |
| Orange County Florida | 97 | $ 14,925,000 | $ 153,000 | $ 137,000 |
| Seminole County Florida | 97 | $ 12,075,000 | $ 124,000 | $ 127,000 |
| Bradford County Florida | 92 | $ 10,220,000 | $ 111,000 | $ 80,000 |
| Leon County Florida | 70 | $ 10,400,000 | $ 148,000 | $ 106,000 |
| Brevard County Florida | 66 | $ 10,120,000 | $ 153,000 | $ 107,000 |
| Sumter County Florida | 50 | $ 18,360,000 | $ 367,000 | $ 80,000 |
| Suwannee County Florida | 31 | $ 2,835,000 | $ 91,000 | $ 73,000 |
| Hillsborough County Florida | 25 | $ 4,165,000 | $ 166,000 | $ 158,000 |
| Osceola County Florida | 25 | $ 2,225,000 | $ 89,000 | $ 111,000 |
| Levy County Florida | 23 | $ 2,035,000 | $ 88,000 | $ 89,000 |
| Taylor County Florida | 23 | $ 2,745,000 | $ 119,000 | $ 104,000 |
| Camden County Georgia | 21 | $ 1,395,000 | $ 66,000 | $ 102,000 |
| Citrus County Florida | 20 | $ 3,190,000 | $ 159,000 | $ 101,000 |
| Broward County Florida | 19 | $ 5,395,000 | $ 283,000 | $ 199,000 |
| Miami-Dade County Florida | 19 | $ 15,625,000 | $ 822,000 | $ 578,000 |
| Palm Beach County Florida | 19 | $ 4,335,000 | $ 228,000 | $ 147,000 |
| Pinellas County Florida | 18 | $ 5,330,000 | $ 296,000 | $ 195,000 |
| Polk County Florida | 18 | $ 3,310,000 | $ 183,000 | $ 126,000 |
| Chatham County Georgia | 18 | $ 4,420,000 | $ 245,000 | $ 133,000 |
| Union County Florida | 17 | $ 2,055,000 | $ 120,000 | $ 74,000 |
| Pasco County Florida | 13 | $ 3,835,000 | $ 295,000 | $ 107,000 |
| Walton County Florida | 13 | $ 16,605,000 | $ 1,277,000 | $ 510,000 |
| Charlton County Georgia | 13 | $ 775,000 | $ 59,000 | $ 66,000 |
| Hernando County Florida | 12 | $ 3,520,000 | $ 293,000 | $ 125,000 |
| Glynn County Georgia | 11 | $ 935,000 | $ 85,000 | $ 102,000 |
| Thomas County Georgia | 11 | $ 805,000 | $ 73,000 | $ 113,000 |
| Manatee County Florida | 8 | $ 1,890,000 | $ 236,000 | $ 141,000 |
| Escambia County Florida | 7 | $ 1,165,000 | $ 166,000 | $ 111,000 |
| Santa Rosa County Florida | 7 | $ 1,175,000 | $ 167,000 | $ 111,000 |
| Wakulla County Florida | 7 | $ 805,000 | $ 115,000 | $ 104,000 |
| Fulton County Georgia | 7 | $ 1,545,000 | $ 220,000 | $ 186,000 |
| Gadsden County Florida | 6 | $ 670,000 | $ 111,000 | $ 113,000 |
| Gilchrist County Florida | 6 | $ 660,000 | $ 110,000 | $ 91,000 |
| Hamilton County Florida | 6 | $ 480,000 | $ 80,000 | $ 98,000 |
| Lee County Florida | 6 | $ 1,550,000 | $ 258,000 | $ 130,000 |
| Sarasota County Florida | 6 | $ 700,000 | $ 116,000 | $ 172,000 |
| St. Lucie County Florida | 5 | $ 345,000 | $ 69,000 | $ 122,000 |
| Gwinnett County Georgia | 5 | $ 945,000 | $ 189,000 | $ 93,000 |
| Bay County Florida | 4 | $ 3,400,000 | $ 850,000 | $ 323,000 |
| Jefferson County Florida | 4 | $ 200,000 | $ 50,000 | $ 52,000 |
| DeKalb County Georgia | 4 | $ 240,000 | $ 60,000 | $ 114,000 |
| Lowndes County Georgia | 4 | $ 200,000 | $ 50,000 | $ 84,000 |
| Collier County Florida | 3 | $ 1,035,000 | $ 345,000 | $ 181,000 |
| Highlands County Florida | 3 | $ 195,000 | $ 65,000 | $ 58,000 |
| Lafayette County Florida | 3 | $ 275,000 | $ 91,000 | $ 36,000 |
| Brantley County Georgia | 3 | $ 275,000 | $ 91,000 | $ 89,000 |
| Liberty County Georgia | 3 | $ 255,000 | $ 85,000 | $ 87,000 |
| Dixie County Florida | 2 | $ 50,000 | $ 25,000 | $ 91,000 |
| Holmes County Florida | 2 | $ 230,000 | $ 115,000 | $ 89,000 |
| Madison County Florida | 2 | $ 60,000 | $ 30,000 | $ 70,000 |
| Martin County Florida | 2 | $ 620,000 | $ 310,000 | $ 169,000 |
| Okaloosa County Florida | 2 | $ 1,540,000 | $ 770,000 | $ 417,000 |
| Cherokee County Georgia | 2 | $ 110,000 | $ 55,000 | $ 80,000 |
| Long County Georgia | 2 | $ 150,000 | $ 75,000 | $ 60,000 |
| Pierce County Georgia | 2 | $ 140,000 | $ 70,000 | $ 64,000 |
| Charlotte County Florida | 1 | $ 455,000 | $ 455,000 | $ 140,000 |
| Franklin County Florida | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Gulf County Florida | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| Indian River County Florida | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Jackson County Florida | 1 | $ 45,000 | $ 45,000 | $ 73,000 |
| Monroe County Florida | 1 | $ 55,000 | $ 55,000 | $ 150,000 |
| Bacon County Georgia | 1 | $ 155,000 | $ 155,000 | $ 121,000 |
| Bartow County Georgia | 1 | $ 635,000 | $ 635,000 | $ 329,000 |
| Berrien County Georgia | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Bibb County Georgia | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Bryan County Georgia | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Butts County Georgia | 1 | $ 75,000 | $ 75,000 | $ 111,000 |
| Carroll County Georgia | 1 | $ 205,000 | $ 205,000 | $ 149,000 |
| Clayton County Georgia | 1 | $ 115,000 | $ 115,000 | $ 116,000 |
| Cobb County Georgia | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
| Columbia County Georgia | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Crawford County Georgia | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Effingham County Georgia | 1 | $ 15,000 | $ 15,000 | $ 165,000 |
| Evans County Georgia | 1 | $ 225,000 | $ 225,000 | $ 54,000 |
| Fannin County Georgia | 1 | $ 65,000 | $ 65,000 | $ 79,000 |
| Gilmer County Georgia | 1 | $ 215,000 | $ 215,000 | $ 145,000 |
| Grady County Georgia | 1 | $ 275,000 | $ 275,000 | $ 50,000 |
| Heard County Georgia | 1 | $ 165,000 | $ 165,000 | $ 67,000 |
| Henry County Georgia | 1 | $ 105,000 | $ 105,000 | $ 12,000 |
| Lanier County Georgia | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Lumpkin County Georgia | 1 | $ 155,000 | $ 155,000 | $ 25,000 |
| Muscogee County Georgia | 1 | $ 5,000 | $ 5,000 | $ 49,000 |
| Newton County Georgia | 1 | $ 275,000 | $ 275,000 | $ 98,000 |
| Pickens County Georgia | 1 | $ 245,000 | $ 245,000 | $ 195,000 |
| Putnam County Georgia | 1 | $ 205,000 | $ 205,000 | $ 219,000 |
| Tift County Georgia | 1 | $ 405,000 | $ 405,000 | $ 94,000 |
| Union County Georgia | 1 | $ 245,000 | $ 245,000 | $ 226,000 |
| Ware County Georgia | 1 | $ 25,000 | $ 25,000 | $ 98,000 |
| Wayne County Georgia | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Webster County Georgia | 1 | $ 55,000 | $ 55,000 | $ 99,000 |
| White County Georgia | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Vystar Credit Union in 2023
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 7,156 | $698,190,000 | $97,000 | $9,995,000 | $109,000 | $4,107,000 |
| Home Purchase | 3,956 | $1,138,210,000 | $287,000 | $13,005,000 | $99,000 | $1,500,000 |
| Refinancing | 365 | $87,845,000 | $240,000 | $5,425,000 | $114,000 | $1,351,000 |
| Home Improvement | 143 | $15,505,000 | $108,000 | $1,565,000 | $101,000 | $397,000 |
| Other Purpose | 7 | $37,415,000 | $5,345,000 | $36,915,000 | $98,000 | $193,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 7,290 | $1,137,050,000 | $155,000 | $4,505,000 | $110,000 | $4,107,000 |
| Black or African American | 1,707 | $271,765,000 | $159,000 | $2,505,000 | $82,000 | $1,500,000 |
| Not Provided | 1,192 | $210,170,000 | $176,000 | $4,315,000 | $106,000 | $1,170,000 |
| Hispanic | 885 | $145,485,000 | $164,000 | $1,805,000 | $101,000 | $2,456,000 |
| Asian | 320 | $79,300,000 | $247,000 | $1,875,000 | $128,000 | $1,019,000 |
| American Indian or Alaskan Native | 102 | $29,110,000 | $285,000 | $9,995,000 | $107,000 | $822,000 |
| Not applicable | 18 | $74,490,000 | $4,138,000 | $36,915,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,440,000 | $244,000 | $705,000 | $339,000 | $2,600,000 |
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) | 10,326 | $1,669,640,000 | $161,000 | $36,915,000 | $110,000 | $4,107,000 |
| FHA-insured (Federal Housing Administration) | 1,124 | $251,390,000 | $223,000 | $625,000 | $70,000 | $412,000 |
| VA-guaranteed (Veterans Administration) | 177 | $56,135,000 | $317,000 | $805,000 | $91,000 | $896,000 |
| 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 | 3,802 | $487,160,000 | $128,000 | $13,005,000 | $98,000 | $3,035,000 |
| Loan Originated | 3,686 | $552,480,000 | $149,000 | $36,915,000 | $124,000 | $4,107,000 |
| Preapproval Denied by Financial Institution | 2,122 | $515,280,000 | $242,000 | $1,895,000 | $74,000 | $1,500,000 |
| Application Withdrawn By Applicant | 1,040 | $158,610,000 | $152,000 | $4,505,000 | $127,000 | $2,600,000 |
| Preapproval Approved but not Accepted | 748 | $216,730,000 | $289,000 | $1,505,000 | $110,000 | $819,000 |
| Application Approved But Not Accepted | 126 | $29,550,000 | $234,000 | $1,025,000 | $120,000 | $445,000 |
| File Closed For Incompleteness | 103 | $17,355,000 | $168,000 | $1,445,000 | $135,000 | $1,300,000 |
| Loan Purchased By The 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 | 5,703 | $974,725,000 | $170,000 | $36,915,000 | $123,000 | $4,107,000 |
| Debt-To-Income Ratio | 2,041 | $421,925,000 | $206,000 | $13,005,000 | $62,000 | $637,000 |
| Credit History | 1,861 | $230,135,000 | $123,000 | $1,895,000 | $96,000 | $2,456,000 |
| Collateral | 793 | $112,835,000 | $142,000 | $9,995,000 | $125,000 | $3,035,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 582 | $128,100,000 | $220,000 | $1,035,000 | $90,000 | $1,500,000 |
| Credit Application Incomplete | 472 | $72,540,000 | $153,000 | $1,495,000 | $120,000 | $1,065,000 |
| Employment History | 90 | $15,300,000 | $170,000 | $745,000 | $68,000 | $500,000 |
| Other | 43 | $5,505,000 | $128,000 | $885,000 | $78,000 | $238,000 |
| Unverifiable Information | 42 | $16,100,000 | $383,000 | $8,505,000 | $104,000 | $270,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vystar Credit Union's 2023 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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.