Applications / Mortgage Analytics / Lenders / Florida / VyStar Credit Union
Jacksonville, FL · Credit union · NCUA · $13.7 billion assets · 3,355 loans in 2025
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3,355
loans originated, 2025
8,285
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
VyStar Credit Union ranks third in its home market of Jacksonville, with a rising share there, and its originations grew in line with similar credit unions in 2025.
It ranks 3 of 715 in Jacksonville, where it has lent since before 1990, behind United Wholesale Mortgage and Rocket Mortgage, and its share rose to 3.3% from 2.8%. Its share also rose in Deltona-Daytona Beach, to 0.7% from 0.5%. Its lending is in two states, chiefly Florida.
Similar lenders are credit unions making between half and twice as many loans. Originations rose 10% to 3,355, against 9% for similar lenders and 10% for the whole market. They had fallen each year from 6,146 in 2020 to 3,050 in 2024.
Home improvement made up 29.2% of its loans, refinancing 26.5% and purchases 21.5%. Jumbo loans (larger than the conforming limit) were 8.1% against 1.2%, higher than more than eight in ten similar lenders and up from 1.8% five years before. Higher-priced loans (a rate well above the average for similar loans) were 0.1% against 1.5%, lower than nearly nine in ten.
Majority-minority areas took 16.0% of its loans against 9.1%, up from 9.3% five years before. LMI (low- and moderate-income) borrowers took 27.9% against 27.2% and LMI areas 15.5% against 14.7%, both near the middle of similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. VyStar Credit Union took 8,285 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 29.2% · Refinance 26.5% · Other 22.8% · Purchase 21.5%
Conventional 97.6% · FHA 1.5% · VA 0.9% · of 3,355 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 3,214 | 95.8% |
| Georgia | 141 | 4.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jacksonville | 2,363 |
| Deltona-Daytona Beach-Ormond Beach | 245 |
| Orlando-Kissimmee-Sanford | 108 |
| Atlanta-Sandy Springs-Roswell | 73 |
| Gainesville | 56 |
| Tampa | 47 |
| Tallahassee | 43 |
| Ocala | 37 |
| Wildwood-The Villages | 21 |
| Palm Bay-Melbourne-Titusville | 18 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930036K3ZFJ4FOKT69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 99189 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568490 | 2002–2017 |
Established 1 January 1952. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: VyStar Credit Union's data.
VyStar Credit Union's data
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VyStar Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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