Purchase Originations
653
Ranked #530 nationally
Median Total Costs
$4,794
−28.2% vs national ($6,680)
↓ $312 vs prior year
Median Rate
5.875%
−9.5% vs national (6.490%)
↓ 0.625% vs prior year
Median Origination
$845
Median Lender Credits
—
Cost Rank (500+ vol.)
#175
among lenders with 500+ originations
Denial Rate
5.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 593 | 5.875% | $4,588 | $845 |
| fha | 33 | 6.500% | $9,028 | $845 |
| va | 27 | 6.250% | $6,763 | $845 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,866 | 5.750% | — | 11 | −$928 | |
| 2 | $3,964 | 6.000% | — | 7 | −$830 | |
| 3 | $4,127 | 6.375% | — | 13 | −$667 | |
| 4 | $4,194 | 6.375% | — | 23 | −$600 | |
| 5 | $4,237 | 6.250% | — | 12 | −$557 | |
| 6 | $4,256 | 6.250% | — | 55 | −$538 | |
| 7 | $4,486 | 5.875% | — | 194 | −$308 | |
| 8 | $4,631 | 6.250% | — | 20 | −$163 | |
| 9 | $4,707 | 6.250% | — | 9 | −$87 | |
| 10 | $4,818 | 6.500% | — | 9 | +$24 | |
| 11 | $4,868 | 6.188% | — | 6 | +$74 | |
| 12 | $4,922 | 6.250% | — | 7 | +$128 | |
| 13 | $5,311 | 5.812% | — | 6 | +$517 | |
| 14 | $5,375 | 5.750% | — | 108 | +$581 | |
| 15 | $5,756 | 5.625% | — | 14 | +$962 | |
| 16 | $5,918 | 5.688% | — | 16 | +$1,124 | |
| 17 | $6,528 | 6.125% | — | 9 | +$1,734 | |
| 18 | $6,724 | 5.750% | — | 20 | +$1,930 | |
| 19 | $7,432 | 5.875% | — | 13 | +$2,638 | |
| 20 | $10,470 | 5.875% | — | 7 | +$5,676 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Vystar Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $4,794 | $7,127 | −$2,333 (−32.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.