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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Deltona
Updated February 5, 2026
Market Overview
140
Total Lenders
10,970
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | $3,108 | +0.216% | 222 | |
2 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Sound | $1,265 | -0.638% | 34 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $580 | -0.560% | 130 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,206 | +0.248% | 1,475 | |
5 | Truist Bank | Strong | Strong | Strong | Strong | $1,681 | +0.224% | 125 | |
6 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,180 | +0.148% | 78 | |
7 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $1,841 | -0.511% | 68 | |
8 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $655 | +0.097% | 60 | |
9 | TrustCo Bank | Strong | Exceptional | Sound | Sound | $1,289 | -0.196% | 30 | |
10 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,005 | +0.260% | 187 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,906 | +0.055% | 104 | |
12 | SPACE COAST CREDIT UNION | Strong | Strong | Sound | Strong | $343 | +0.073% | 97 | |
13 | FAIRWINDS CREDIT UNION | Strong | Strong | Sound | Strong | $1,579 | +0.199% | 51 | |
14 | Fifth Third Bank, National Association | Strong | Strong | Strong | Sound | $1,097 | +0.190% | 44 | |
15 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Sound | $354 | +0.307% | 30 | |
16 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $2,129 | +0.192% | 29 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,319 | +0.276% | 973 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,369 | -0.149% | 205 | |
19 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,628 | +0.197% | 183 | |
20 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,418 | +0.473% | 180 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,567 | +0.146% | 145 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,384 | +0.258% | 126 | |
23 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,413 | +0.407% | 100 | |
24 | Regions Bank | Strong | Sound | Strong | Strong | $1,314 | +0.335% | 73 | |
25 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Sound | $2,536 | -0.566% | 26 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,934 | +0.458% | 252 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,046 | +0.345% | 151 | |
28 | RMC HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,137 | -0.162% | 144 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,604 | +0.496% | 137 | |
30 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,193 | -0.175% | 121 | |
31 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Strong | $6,065 | +0.115% | 113 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,594 | +0.377% | 65 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,962 | +0.343% | 60 | |
34 | SouthState Bank, National Association | Strong | Sound | Strong | Sound | $2,768 | +0.300% | 45 | |
35 | VYSTAR CREDIT UNION | Strong | Sound | Sound | Strong | $1,769 | +0.346% | 42 | |
36 | First Horizon Bank | Strong | Sound | Strong | Sound | $1,661 | +0.145% | 37 | |
37 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | $1,584 | +0.682% | 28 | |
38 | Seacoast National Bank | Strong | Sound | Sound | Strong | $1,816 | +0.051% | 28 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,068 | +0.549% | 251 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,093 | +0.603% | 200 | |
41 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,004 | +0.317% | 170 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,804 | +0.282% | 78 | |
43 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,827 | +0.546% | 73 | |
44 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $4,375 | +0.495% | 65 | |
45 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $4,221 | +0.850% | 65 | |
46 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,958 | +0.345% | 63 | |
47 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,099 | +0.447% | 53 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $3,342 | +0.483% | 45 | |
49 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Strong | $2,736 | +0.592% | 44 | |
50 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,572 | +0.391% | 44 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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