Vystar Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Vystar Credit Union of Jacksonville, FL reported 14,668 mortgage applications totaling $2.4 billion, down 7% from 2021. The average application was for $165,597, and applicants reported an average income of $100,497. 38% of its applications resulted in an originated loan and 47% were denied. Its largest markets were Jacksonville, FL (9,020), Deltona-Daytona Beach-Ormond Beach, FL (992) and Orlando-Kissimmee-Sanford, FL (354) (applications in parentheses).
| Mortgage Company & Address | Vystar Credit Union 4949 Blanding Blvd Jacksonville, FL 32202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 14,668 |
| Total Mortgage Loan Application Amount | $2,428,990,000 |
| Average Mortgage Loan Application Amount | $165,597 |
| Highest Mortgage Loan Application Amount | $5,925,000 |
| Average Applicant Income | $100,497 |
| Highest Applicant Income | $6,562,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vystar Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jacksonville, FL | 9,020 | $ 1,349,220,000 | $ 149,580 | $ 108,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 992 | $ 139,410,000 | $ 140,534 | $ 96,000 |
| Outside any metro area | 817 | $ 98,715,000 | $ 120,826 | $ 83,137 |
| Orlando-Kissimmee-Sanford, FL | 354 | $ 61,900,000 | $ 174,858 | $ 120,000 |
| Gainesville, FL | 218 | $ 38,490,000 | $ 176,559 | $ 109,000 |
| Ocala, FL | 160 | $ 23,720,000 | $ 148,250 | $ 116,000 |
| Tampa-St. Petersburg-Clearwater, FL | 104 | $ 25,010,000 | $ 240,480 | $ 173,000 |
| Tallahassee, FL | 90 | $ 12,930,000 | $ 143,666 | $ 106,000 |
| Palm Bay-Melbourne-Titusville, FL | 61 | $ 12,975,000 | $ 212,704 | $ 101,000 |
| The Villages, FL | 60 | $ 10,800,000 | $ 180,000 | $ 89,000 |
| Atlanta-Sandy Springs-Roswell, GA | 42 | $ 7,370,000 | $ 175,476 | $ 137,000 |
| Homosassa Springs, FL | 26 | $ 5,810,000 | $ 223,461 | $ 101,000 |
| Lakeland-Winter Haven, FL | 25 | $ 3,585,000 | $ 143,400 | $ 102,000 |
| North Port-Sarasota-Bradenton, FL | 22 | $ 4,120,000 | $ 187,272 | $ 118,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 19 | $ 3,625,000 | $ 190,789 | $ 113,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 18 | $ 4,050,000 | $ 225,000 | $ 133,000 |
| Miami-Miami Beach-Kendall, FL | 15 | $ 7,185,000 | $ 479,000 | $ 283,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 3,350,000 | $ 239,285 | $ 148,000 |
| Panama City, FL | 14 | $ 3,170,000 | $ 226,428 | $ 148,000 |
| Port St. Lucie, FL | 14 | $ 1,960,000 | $ 140,000 | $ 79,000 |
| Pensacola-Ferry Pass-Brent, FL | 12 | $ 2,630,000 | $ 219,166 | $ 108,000 |
| Valdosta, GA | 10 | $ 1,270,000 | $ 127,000 | $ 80,000 |
| Brunswick, GA | 8 | $ 560,000 | $ 70,000 | $ 68,000 |
| Punta Gorda, FL | 6 | $ 2,730,000 | $ 455,000 | $ 144,000 |
| Savannah, GA | 6 | $ 870,000 | $ 145,000 | $ 164,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 680,000 | $ 170,000 | $ 123,000 |
| Hinesville, GA | 4 | $ 390,000 | $ 97,500 | $ 75,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 545,000 | $ 181,666 | $ 166,000 |
| Albany, GA | 2 | $ 170,000 | $ 85,000 | $ 109,000 |
| Sebastian-Vero Beach, FL | 2 | $ 660,000 | $ 330,000 | $ 101,000 |
| Warner Robins, GA | 2 | $ 400,000 | $ 200,000 | $ 121,000 |
| Dalton, GA | 1 | $ 225,000 | $ 225,000 | $ 144,000 |
| Gainesville, GA | 1 | $ 255,000 | $ 255,000 | $ 171,000 |
| Macon-Bibb County, GA | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Vystar Credit Union in 2022
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 | 5,581 | $668,115,000 | $119,000 | $5,005,000 | $106,000 | $2,750,000 |
| Home Purchase | 4,116 | $1,079,500,000 | $262,000 | $2,005,000 | $87,000 | $1,589,000 |
| Refinancing | 3,466 | $527,510,000 | $152,000 | $5,925,000 | $104,000 | $6,562,000 |
| Home Improvement | 1,498 | $153,280,000 | $102,000 | $1,505,000 | $109,000 | $2,251,000 |
| Other Purpose | 6 | $520,000 | $86,000 | $125,000 | $71,000 | $124,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $242,000 | $242,000 |
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 | 9,388 | $1,483,390,000 | $158,000 | $5,925,000 | $105,000 | $6,562,000 |
| Black or African American | 1,966 | $334,210,000 | $169,000 | $1,135,000 | $82,000 | $1,010,000 |
| Not Provided | 1,526 | $272,140,000 | $178,000 | $1,505,000 | $98,000 | $847,000 |
| Hispanic | 1,085 | $184,095,000 | $169,000 | $1,285,000 | $91,000 | $750,000 |
| Asian | 425 | $93,415,000 | $219,000 | $1,505,000 | $118,000 | $887,000 |
| American Indian or Alaskan Native | 115 | $15,695,000 | $136,000 | $705,000 | $108,000 | $1,589,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $1,740,000 | $108,000 | $335,000 | $56,000 | $119,000 |
| Not applicable | 7 | $9,365,000 | $1,337,000 | $4,405,000 | $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) | 13,594 | $2,169,480,000 | $159,000 | $5,925,000 | $103,000 | $6,562,000 |
| FHA-insured (Federal Housing Administration) | 788 | $175,150,000 | $222,000 | $525,000 | $66,000 | $275,000 |
| VA-guaranteed (Veterans Administration) | 286 | $84,360,000 | $294,000 | $805,000 | $84,000 | $882,000 |
| 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 | 6,868 | $1,119,520,000 | $163,000 | $5,005,000 | $89,000 | $2,750,000 |
| Loan Originated | 5,529 | $867,225,000 | $156,000 | $5,925,000 | $112,000 | $2,247,000 |
| Application Withdrawn By Applicant | 1,432 | $254,580,000 | $177,000 | $1,055,000 | $123,000 | $6,562,000 |
| Preapproval Denied by Financial Institution | 361 | $83,785,000 | $232,000 | $1,605,000 | $71,000 | $1,589,000 |
| Preapproval Approved but not Accepted | 292 | $77,070,000 | $263,000 | $905,000 | $96,000 | $754,000 |
| File Closed For Incompleteness | 94 | $13,350,000 | $142,000 | $785,000 | $109,000 | $897,000 |
| Application Approved But Not Accepted | 92 | $13,460,000 | $146,000 | $685,000 | $95,000 | $600,000 |
| 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 | 7,439 | $1,225,685,000 | $164,000 | $5,925,000 | $113,000 | $6,562,000 |
| Credit History | 2,438 | $334,840,000 | $137,000 | $5,005,000 | $93,000 | $2,251,000 |
| Debt-To-Income Ratio | 2,067 | $398,545,000 | $192,000 | $3,005,000 | $58,000 | $350,000 |
| Credit Application Incomplete | 1,136 | $200,290,000 | $176,000 | $1,055,000 | $116,000 | $1,432,000 |
| Collateral | 809 | $115,815,000 | $143,000 | $1,605,000 | $112,000 | $1,262,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 344 | $74,350,000 | $216,000 | $775,000 | $76,000 | $253,000 |
| Other | 212 | $32,870,000 | $155,000 | $705,000 | $99,000 | $429,000 |
| Employment History | 116 | $24,240,000 | $208,000 | $1,255,000 | $91,000 | $2,750,000 |
| Unverifiable Information | 107 | $22,355,000 | $208,000 | $2,195,000 | $97,000 | $675,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vystar Credit Union's 2022 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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