Vystar Mortgage Rates, Fees & Info

Jacksonville, FL

LEI: 54930036K3ZFJ4FOKT69

Tax ID: 59-0690965

5 stars - Updated: 7/13/25 - out of 5 stars, based on 55 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Vystar is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Vystar has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Jacksonville, Crestview, Deltona, Orlando, and Tampa among others. We have data for 33 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Vystar has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Vystar is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 7.49% 7/13/25
    30 Year Conventional Purchase 6.79% 7/13/25
    30 Year Conventional Refi 6.54% 7/13/25
    30 Year Cash-out Refi 6.98% 7/13/25
    30 Year FHA Purchase 7.97% 7/13/25
    30 Year FHA Refi 6.72% 7/13/25
    30 Year VA Purchase 7.06% 7/13/25
    30 Year VA Refi 6.72% 7/13/25
    15 Year Conventional Purchase 6.53% 7/13/25
    15 Year Conventional Refi 6.84% 7/13/25
    15 Year Cash-out Refi 6.84% 7/13/25
    15 Year FHA Purchase 6.00% 7/13/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Vystar Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Vystar. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    3,050

    Origination Dollar Volume (All Markets)

    $544,880,000
    Show all (11) awards

    Relative Rate

    Vystar's average 30 year fixed mortgage rate was 6.55%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0%.

    Relative Fees (Closing Costs)

    Vystar's average total fees/closing costs for a 30 year fixed rate mortgage were $5,814.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    JACKSONVILLE, FL (FHA|USDA|VA) 2,234 $368,660,000 $165,022 $5,457 7.79%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 18 $27,890,000 $1,549,444 $12,949 6.02%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 231 $27,685,000 $119,848 $3,607 7.92%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 94 $17,820,000 $189,574 $5,395 7.85%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 28 $15,690,000 $560,357 $10,216 7.33%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 17 $14,345,000 $843,824 $11,185 6.67%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 41 $9,115,000 $222,317 $4,529 7.61%
    Outside of Metro Areas 65 $7,955,000 $122,385 $3,575 7.71%
    Palatka, FL (FHA|USDA|VA) 69 $7,815,000 $113,261 $4,080 7.63%
    GAINESVILLE, FL (FHA|USDA|VA) 56 $7,420,000 $132,500 $3,868 7.66%
    TALLAHASSEE, FL (FHA|USDA|VA) 27 $6,075,000 $225,000 $5,635 7.50%
    Lake City, FL (FHA|USDA|VA) 36 $5,510,000 $153,056 $4,463 7.51%
    THE VILLAGES, FL (FHA|USDA|VA) 24 $5,000,000 $208,333 $5,687 7.37%
    PANAMA CITY, FL (FHA|USDA|VA) 6 $4,580,000 $763,333 $12,759 6.52%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 12 $3,310,000 $275,833 $4,681 7.44%
    OCALA, FL (FHA|USDA|VA) 22 $2,610,000 $118,636 $2,494 7.68%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 10 $2,610,000 $261,000 $5,482 7.13%
    SAVANNAH, GA (FHA|USDA|VA) 8 $1,530,000 $191,250 $4,227 7.64%
    St. Marys, GA (FHA|USDA|VA) 13 $1,525,000 $117,308 $2,920 7.92%
    PUNTA GORDA, FL (FHA|USDA|VA) 3 $1,145,000 $381,667 $5,945 6.88%
    BRUNSWICK, GA (FHA|USDA|VA) 9 $1,095,000 $121,667 $2,978 7.99%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,085,000 $217,000 $4,114 6.83%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $1,040,000 $520,000 $4,055 6.81%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $840,000 $210,000 $10,149 7.16%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $660,000 $165,000 $6,742 7.50%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $635,000 $211,667 $6,183 7.67%
    Key West, FL (FHA|USDA|VA) 1 $505,000 $505,000 $9,175 6.38%
    Thomasville, GA (FHA|USDA|VA) 2 $260,000 $130,000 $3,308 7.25%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $220,000 $110,000 $1,303 7.19%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.88%
    Jesup, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.25%
    Bainbridge, GA (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.00%
    VALDOSTA, GA (FHA|USDA|VA) 1 $35,000 $35,000 $0 9.00%
    Vystar's top markets include Jacksonville, Crestview, Deltona, Orlando, and Tampa among others.

    Their top states include:
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against VYSTAR based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    FIRST COMMERCE CREDIT UNION
    Similarity Rank: 144
    Envision Credit Union
    Similarity Rank: 180
    JAX
    Similarity Rank: 540
    Shea Mortgage Inc.
    Similarity Rank: 572
    INSIGHT
    Similarity Rank: 721
    FLORIDA
    Similarity Rank: 792
    PARK SQUARE HOME MORTGAGE, LLC
    Similarity Rank: 1043
    COMMUNITY FIRST CREDIT UNION OF FLO
    Similarity Rank: 1102
    ADDITION FINANCIAL
    Similarity Rank: 1155
    Citizens First Bank
    Similarity Rank: 1250

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,818 $402,350,000 $221,315 $5,278 7.26%
    HELOC 1,172 $127,230,000 $108,558 n/a 8.55%
    FHA 40 $8,330,000 $208,250 $7,371 7.31%
    VA 20 $6,970,000 $348,500 $10,317 6.59%

    For 2024, Vystar's most frequently originated type of loan was Conventional, with 1,818 originations. Their 2nd most popular type was HELOC, with 1,172 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 2,417 $245,985,000 $101,773 $2,539 8.08%
    Home Purchase 535 $263,465,000 $492,458 $6,668 6.37%
    Refi 71 $33,075,000 $465,845 $7,327 6.49%
    Home Improvement 16 $1,260,000 $78,750 $1,429 9.31%
    Other 11 $1,095,000 $99,545 $6,084 8.78%

    For 2024, Vystar's most frequently cited loan purpose was Cash Out Refi, with 2,417 originations. The 2nd most popular reason was Home Purchase, with 535 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 1,271 $131,755,000 $103,662 $1,376 8.40%
    20 Year 902 $78,980,000 $87,561 $2,006 7.91%
    30 Year 670 $292,200,000 $436,119 $5,814 6.55%
    15 Year 120 $10,670,000 $88,917 $2,357 7.31%
    30+ year 49 $27,805,000 $567,449 $10,691 6.05%
    5 Year 36 $2,930,000 $81,389 $30 7.10%
    Other 2 $540,000 $270,000 $7,635 6.13%

    For 2024, Vystar's most frequently cited loan duration was 10 Year, with 1,271 originations. The 2nd most popular length was 20 Year, with 902 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 206 $54,700,000 $265,534
    $<1k 181 $31,245,000 $172,624
    $2k-3k 148 $54,830,000 $370,473
    $3k-4k 133 $108,745,000 $817,632
    $5k+ 82 $51,060,000 $622,683
    $4k-5k 33 $12,625,000 $382,576

    Vystar's average total fees were $5,814, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 206 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 1,324 $133,540,000 $100,861
    Over 8% 1,066 $118,830,000 $111,473
    6-7% 448 $145,980,000 $325,848
    5-6% 183 $129,185,000 $705,929
    4-5% 20 $15,750,000 $787,500
    <2.5% 9 $1,595,000 $177,222

    During 2024, Vystar's average interest rate for loans was 6.55%, while their most frequently originated rate bucket for loans was 7-8%, with 1,324 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,564 $87,110,000 $55,697 $1,396 8.08%
    $100k-200k 748 $102,250,000 $136,698 $2,627 7.81%
    $200k-400k 452 $122,780,000 $271,637 $4,844 7.40%
    $400k-600k 132 $62,740,000 $475,303 $7,266 6.71%
    $600k-1MM 91 $70,285,000 $772,363 $10,900 6.20%
    $1MM+ 63 $99,715,000 $1,582,778 $13,569 5.81%

    2024 saw Vystar place emphasis on $100,000 or less loans with 1,564 originations, totaling $87,110,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 725 $100,415,000 $138,503 $4,867 7.86%
    $150k-250k 571 $118,475,000 $207,487 $7,042 7.79%
    $50k-75k 569 $49,615,000 $87,197 $2,724 7.85%
    $75k-100k 539 $59,735,000 $110,826 $3,928 7.89%
    $50k or less 315 $22,955,000 $72,873 $2,142 7.64%
    $250k+ 277 $181,835,000 $656,444 $10,485 7.08%

    Vystar lent most frequently to those with incomes in the $100k-150k range, with 725 originations. The second most popular income band? $150k-250k, with 571 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 507 $98,635,000 $194,546 $5,404 7.65%
    20-30% 450 $76,570,000 $170,156 $4,759 7.71%
    49% 257 $37,295,000 $145,117 $4,999 7.92%
    42% 174 $35,430,000 $203,621 $5,697 7.85%
    48% 148 $23,900,000 $161,486 $7,224 7.83%
    <20% 147 $34,765,000 $236,497 $7,051 7.73%
    40% 140 $28,770,000 $205,500 $5,390 7.74%
    41% 138 $28,110,000 $203,696 $5,779 7.74%
    47% 138 $21,890,000 $158,623 $6,830 7.82%
    38% 130 $27,500,000 $211,538 $6,747 7.69%
    45% 117 $16,335,000 $139,615 $4,541 7.88%
    44% 115 $20,775,000 $180,652 $5,788 7.64%
    39% 113 $16,085,000 $142,345 $3,662 7.75%
    46% 110 $18,010,000 $163,727 $5,432 7.73%
    37% 110 $18,710,000 $170,091 $5,887 7.82%
    43% 107 $18,225,000 $170,327 $4,918 7.67%
    36% 104 $15,390,000 $147,981 $5,232 7.89%
    50-60% 41 $6,275,000 $153,049 $6,423 7.64%
    >60% 2 $690,000 $345,000 $8,199 6.50%

    Vystar lent most frequently to those with DTI ratios of 30-36%, with 507 originations. The next most common DTI ratio? 20-30%, with 450 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,343 $408,095,000 $174,176 $5,488 7.79%
    Not provided 268 $58,310,000 $217,575 $6,130 7.61%
    Black 286 $36,760,000 $128,531 $4,537 7.67%
    Asian 92 $25,280,000 $274,783 $5,468 7.47%
    Asian Indian 13 $7,465,000 $574,231 $9,851 6.61%
    American Indian 29 $4,265,000 $147,069 $4,016 8.06%
    Not applicable 2 $1,520,000 $760,000 $0 6.17%
    Native Hawaiian or Islander 5 $1,085,000 $217,000 $5,609 7.33%
    Other Pacific Islander 3 $1,045,000 $348,333 $4,167 6.92%
    Filipino 5 $635,000 $127,000 $3,022 7.95%
    Vietnamese 2 $290,000 $145,000 $4,374 7.44%
    Japanese 1 $105,000 $105,000 $0 8.75%
    Samoan 1 $25,000 $25,000 $0 8.38%

    Approval Rates

    Total approvals of all applications
    68.76%

    Vystar has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    55.57%

    Vystar has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,050 $544,880,000 $178,649

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,050 $544,880,000 $178,649

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 872 $110,010,000 $126,158 $2,451 8.09%
    40-60% 252 $66,930,000 $265,595 $4,266 7.47%
    60-80% 294 $144,500,000 $491,497 $6,772 6.83%
    80-100% 306 $141,920,000 $463,791 $6,612 6.43%
    Over 100% 4 $1,710,000 $427,500 $20,196 6.00%
    Under 20% 1,322 $79,810,000 $60,371 $1,237 8.10%