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Vystar
Vystar is a credit union: it a member-owned, not-for-profit cooperative insured by the NCUA; you must be eligible for membership to borrow. It has 43 licensed Florida offices: Alachua, Altamonte Springs, Callahan, Daytona Beach, Deland, Fernandina Beach, Fleming Island, Fruit Cove and more.
| Kind | Credit union |
| License or charter | NCUA-insured credit union |
| Florida offices | Alachua, Altamonte Springs, Callahan, Daytona Beach, Deland, Fernandina Beach, Fleming Island, Fruit Cove, Gainesville, Green Cove Springs, Jacksonville, Jacksonville Beach, Lake City, Lake Mary, Macclenny, Melbourne, Middleburg, Mount Dora, Nas Jacksonville, Neptune Beach, Ocala, Orange City, Orange Park, Orlando, Ormond Beach, Oviedo, Palatka, Palm Coast, Perry, Ponte Vedra Beach, Port Orange, Sanford, St Augustine, St Johns, Starke, Steinhatchee, Tallahassee, The Villages, Titusville, Wildwood, Winter Garden, Winter Park, Yulee |
| Legal entity | VYSTAR CREDIT UNION, LEI 54930036K3ZFJ4FOKT69, Active |
| Counties | Alachua, Baker, Bradford, Brevard, Clay, Columbia, Dixie, Duval, Flagler, Lake, Leon, Marion, Nassau, Orange, Putnam, St. Johns, Seminole, Sumter, Taylor, Volusia |
| Website | vystarcu.org |
| Phone | (904) 777-6000 |
Loan types Vystar lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Jacksonville firms offering it.
Credit union facts from the NCUA
| Total assets | $13,987,775,486 |
| Members | 1,024,502 |
| Residential mortgage loans outstanding | $3,998,147,724 |
| Residential mortgages granted this year | $336,008,909 |
| Mortgages sold to the secondary market this year | $39,906,755 |
| Florida branches | 90 |
| Year opened | 1952 |
| Headquarters | Jacksonville, FL |
NCUA 6/30/2025 NCUA 5300 call report, charter 68490. Residential figures are 1 to 4 family and other consumer real estate loans.
Loan mix from federal filings
| Florida loans originated, 2025 | 3,214 |
| Applications | 7,359 |
| Denial rate | 34% |
| Conventional / FHA / VA / USDA | 98% / 1% / 1% / 0% |
| Purchase / refinance / cash out | 21% / 7% / 20% |
| Home improvement / other purpose | 29% / 23% |
| Home equity lines of credit (HELOC) | 844 of the 3,214 |
| Investor and second home share | 2% |
| Dollar volume | $673,520,000 |
| Top counties | Duval (1,096), St. Johns (644), Clay (412), Nassau (164), Flagler (139) |
HMDA 2025FFIEC HMDA loan-level data, Florida, calendar year 2025, filed by VYSTAR CREDIT UNION. Counts are loans in Florida only.
Vystar offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Jacksonville | 76 S Laura St 32202 | (904) 777-6000 | Principal office |
| Alachua | 16201 Nw Us Highway 441 32615 | (352) 642-1120 | Branch |
| Altamonte Springs | 151 N State Road 434 32714 | (407) 326-7660 | Branch |
| Belleview | 10400 Se 36th Ave 34420 | (904) 777-6000 | Branch |
| Callahan | 1 Warrior Dr 32011 | (904) 879-3461 | Branch |
| Callahan | 542277 Us Highway 1 32011 | (904) 594-5591 | Branch |
| Daytona Beach | 1040 W International Speedway Blvd 32114 | (386) 239-1020 | Branch |
| Deland | 1517 N Woodland Blvd 32720 | (386) 239-1000 | Branch |
| Fernandina Beach | 1900 S 14th St 32034 | (904) 908-2458 | Branch |
| Fernandina Beach | 435 Citrona Dr 32034 | (904) 261-5713 | Branch |
| Gainesville | 2810 Nw 43rd St 32606 | (352) 708-7260 | Branch |
| Gainesville | 3616 Sw 34th St 32608 | (904) 594-5570 | Branch |
| Green Cove Springs | 2025 State Road 16 W 32043 | (904) 336-7175 | Branch |
| Green Cove Springs | 601 N Orange Ave 32043 | (904) 594-5494 | Branch |
| Jacksonville | 101 Bartram Oaks Walk 32259 | (904) 594-5428 | Branch |
| Jacksonville | 10903 Baymeadows Rd 32256 | (904) 594-5551 | Branch |
| Jacksonville | 11343 San Jose Blvd 32223 | (904) 908-2471 | Branch |
| Jacksonville | 11674 Beach Blvd 32246 | (904) 594-5369 | Branch |
| Jacksonville | 1200 Mcduff Ave S 32205 | (904) 777-6000 | Branch |
| Jacksonville | 13075 N Main St 32218 | (904) 594-5527 | Branch |
| Jacksonville | 13680 Old Saint Augustine Rd 32258 | (904) 420-5260 | Branch |
| Jacksonville | 14023 Revell Dr 32218 | (904) 723-6300 | Branch |
| Jacksonville | 1600 Hendricks Ave 32207 | (904) 420-5060 | Branch |
| Jacksonville | 1700 N Main St 32206 | (904) 908-2756 | Branch |
| Jacksonville | 1802 Kernan Blvd S 32246 | (904) 594-5350 | Branch |
| Jacksonville | 1831 Dunn Ave 32218 | (904) 908-2330 | Branch |
| Jacksonville | 4420 Wabash Ave 32210 | (904) 908-2392 | Branch |
| Jacksonville | 4831 Greenland Rd 32258 | (904) 777-6000 | Branch |
| Jacksonville | 560 Chaffee Point Blvd 32221 | (904) 594-5641 | Branch |
| Jacksonville | 590 Duval Station Rd 32218 | (904) 463-3642 | Branch |
| Jacksonville | 6801 Roosevelt Blvd 32212 | (904) 908-2414 | Branch |
| Jacksonville | 686 Commerce Center Dr 32225 | (904) 908-2836 | Branch |
| Jacksonville | 7000 Powers Ave 32217 | (904) 908-2307 | Branch |
| Jacksonville | 7399 Longleaf Pine Pkwy 32259 | (904) 594-5428 | Branch |
| Jacksonville | 76 S Laura St 32202 | (904) 594-5478 | Branch |
| Jacksonville | 760 Riverside Ave 32204 | (904) 908-5583 | Branch |
| Jacksonville | 7765 Normandy Blvd 32221 | (904) 594-5453 | Branch |
| Jacksonville | 7795 103rd St 32210 | (904) 908-2380 | Branch |
| Jacksonville | 7802 Atlantic Blvd 32211 | (904) 908-2300 | Branch |
| Jacksonville | 8263 Philips Hwy 32256 | (904) 908-2880 | Branch |
| Jacksonville | 8425 Merchants Way 32222 | (904) 594-5501 | Branch |
| Lake City | 411 Nw Commons Loop 32055 | (386) 239-1070 | Branch |
| Lake Mary | 4699 W Lake Mary Blvd 32746 | (407) 326-7630 | Branch |
| Macclenny | 1168 S 6th St 32063 | (904) 908-2949 | Branch |
| Melbourne | 6435 N Wickham Rd 32940 | (321) 593-7272 | Branch |
| Middleburg | 1768 Blanding Blvd 32068 | (904) 594-5657 | Branch |
| Middleburg | 2762 Blanding Blvd 32068 | (904) 908-2360 | Branch |
| Middleburg | 3750 County Road 220 32068 | (904) 237-2530 | Branch |
| Mount Dora | 18200 Us Highway 441 32757 | (352) 708-7300 | Branch |
| Neptune Beach | 1307 Atlantic Blvd 32266 | (904) 420-5711 | Branch |
| Neptune Beach | 700 Seagate Ave 32266 | (904) 777-6000 | Branch |
| Ocala | 4602 Sw College Rd 34474 | (352) 642-1140 | Branch |
| Orange City | 960 Saxon Blvd 32763 | (386) 239-1040 | Branch |
| Orange Park | 1755 Eagle Harbor Pkwy 32003 | (904) 908-2440 | Branch |
| Orange Park | 180 Arora Blvd 32073 | (904) 908-2821 | Branch |
| Orange Park | 182 Blanding Blvd 32073 | (904) 908-2839 | Branch |
| Orange Park | 2233 Village Square Pkwy Rm 66 32003 | (904) 908-2440 | Branch |
| Orange Park | 2300 Kingsley Ave 32073 | (904) 272-8110 | Branch |
| Orlando | 1 S Orange Ave 32801 | (407) 792-7720 | Branch |
| Orlando | 12251 Narcoossee Rd 32832 | (407) 792-7750 | Branch |
Showing 60 of 90 Florida offices.
As of October 15, 2026Source: NCUA office and branch records. Addresses are as filed; call before visiting.
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Duval County at a glance
| Mortgage applications filed in 2025 | 46,349 |
| Loans originated | 21,490 |
| Denial rate | 18% |
| FHA share of originations | 18% |
| VA share | 17% |
| Investor and second home share | 12% |
| Dollar volume originated | $6,887,330,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $580,750 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Duval County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.