Lender profile · HMDA 2023–2025
Vystar Credit Union mortgage approval rates & lending data
Vystar Credit Union decided 14,679 mortgage applications and funded 8,116 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 1,628 / 1,895 | 95% | $285K | 1,539 |
| Home improvement loans | 70% | 905 / 1,288 | 97% | $75K | 879 |
| Cash-out refinance | 52% | 5,441 / 10,509 | 98% | $75K | 5,343 |
| Refinance | 42% | 278 / 656 | 97% | $285K | 269 |
| Investment property purchase | 79% | 60 / 76 | 93% | $265K | 56 |
| Investment cash-out refinance | 10% | 20 / 198 | 100% | $155K | 20 |
| Investment refinance | 19% | 7 / 36 | 86% | $185K | 6 |
Vystar Credit Union lending by state
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.