Vystar Credit Union
3,355 mortgages originated in 2025 across 2 states, and what they cost borrowers.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,355
- Median rate
- 6.750%
- Median lender fees
- —
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $105,000
- Above the going rate (spread over APOR)
- 0.185
- Paid discount points
- 11.4%
- Received lender credits
- 0%
- Purchases / refinances
- 21.5% / 26.5%
- Conventional / FHA / VA
- 97.6% / 1.5% / 0.9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73.1% of loans here — see methodology.
Where Vystar Credit Union lent
States with at least 50 loans in 2025, ranked by volume.