VYSTAR CREDIT UNION closing costs and rates (2024)
In 2024, VYSTAR CREDIT UNION originated 486 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $5,106. That is $1,635 below the national median of $6,741. VYSTAR CREDIT UNION is most active in Florida with 464 originations there.
Purchase Originations
486
Median Total Costs
$5,106
−24.3% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,489
Median Lender Credits
$1,500
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 453 | 6.500% | $4,889 | $2,520 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,314 | 6.875% | — | 16 | −$2,792 | |
| 2 | $2,440 | 7.188% | — | 8 | −$2,666 | |
| 3 | $2,875 | 6.500% | — | 5 | −$2,231 | |
| 4 | $2,923 | 6.125% | — | 7 | −$2,183 | |
| 5 | $3,187 | 6.500% | — | 11 | −$1,919 | |
| 6 | $4,035 | 6.750% | — | 13 | −$1,071 | |
| 7 | $4,167 | 6.688% | — | 6 | −$939 | |
| 8 | $4,383 | 6.875% | — | 5 | −$723 | |
| 9 | $4,439 | 6.250% | — | 7 | −$667 | |
| 10 | $4,463 | 6.750% | — | 49 | −$643 | |
| 11 | $4,790 | 6.625% | — | 6 | −$316 | |
| 12 | $4,990 | 6.500% | — | 145 | −$116 | |
| 13 | $5,266 | 6.750% | — | 4 | +$160 | |
| 14 | $5,622 | 6.312% | — | 4 | +$516 | |
| 15 | $6,254 | 6.875% | — | 11 | +$1,148 | |
| 16 | $7,448 | 6.062% | — | 6 | +$2,342 | |
| 17 | $8,257 | 6.125% | — | 94 | +$3,151 | |
| 18 | $11,684 | 5.875% | — | 13 | +$6,578 | |
| 19 | $14,164 | 5.938% | — | 6 | +$9,058 | |
| 20 | $16,886 | 5.750% | — | 5 | +$11,780 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.