# Best Mortgage Lenders in Deltona

**As of:** 2026-05-23

Compare the top mortgage lenders in Deltona. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/deltona/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 140
- **Total Loans:** 10,970
- **Median Rate Spread:** 0.2961884057971015%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FBC MORTGAGE, LLC | 93 | 60 | 83 | 222 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 1,475 | Independent Mortgage Company |
| 3 | VELOCIO MORTGAGE L.L.C. | 84 | 96 | 85 | 34 | Independent Mortgage Company |
| 4 | Truist Bank | 80 | 70 | 68 | 125 | Bank |
| 5 | Bank of America, National Association | 80 | 73 | 75 | 78 | Bank |
| 6 | JET HOMELOANS, LP | 80 | 71 | 77 | 68 | Independent Mortgage Company |
| 7 | U.S. Bank National Association | 80 | 75 | 71 | 60 | Bank |
| 8 | Ameris Bank | 78 | 42 | 82 | 187 | Bank |
| 9 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 130 | Credit Union |
| 10 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 973 | Independent Mortgage Company |
| 11 | THE MORTGAGE FIRM, INC. | 74 | 20 | 81 | 180 | Independent Mortgage Company |
| 12 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 205 | Independent Mortgage Company |
| 13 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 183 | Independent Mortgage Company |
| 14 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 145 | Independent Mortgage Company |
| 15 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 126 | Bank |
| 16 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 104 | Bank |
| 17 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 100 | Independent Mortgage Company |
| 18 | SPACE COAST CREDIT UNION | 73 | 75 | 57 | 97 | Credit Union |
| 19 | Regions Bank | 73 | 41 | 64 | 73 | Bank |
| 20 | FAIRWINDS CREDIT UNION | 73 | 68 | 46 | 51 | Credit Union |
| 21 | Fifth Third Bank, National Association | 73 | 62 | 62 | 44 | Bank |
| 22 | MATTAMY HOME FUNDING, LLC | 73 | 66 | 76 | 30 | Independent Mortgage Company |
| 23 | PNC Bank, National Association | 73 | 71 | 61 | 29 | Bank |
| 24 | TrustCo Bank | 71 | 86 | 55 | 30 | Bank |
| 25 | First Heritage Mortgage, LLC | 71 | 51 | 89 | 26 | Independent Mortgage Company |
| 26 | RMC HOME MORTGAGE, LLC | 68 | 26 | 64 | 144 | Independent Mortgage Company |
| 27 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 252 | Independent Mortgage Company |
| 28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 151 | Independent Mortgage Company |
| 29 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 137 | Independent Mortgage Company |
| 30 | NFM, INC. | 68 | 23 | 87 | 121 | Independent Mortgage Company |
| 31 | COASTAL LOANS, LLC | 68 | 22 | 84 | 113 | Independent Mortgage Company |
| 32 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 65 | Independent Mortgage Company |
| 33 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 60 | Independent Mortgage Company |
| 34 | SouthState Bank, National Association | 66 | 49 | 73 | 45 | Bank |
| 35 | First Horizon Bank | 66 | 49 | 68 | 37 | Bank |
| 36 | INSPIRE HOME LOANS INC. | 66 | 43 | 75 | 28 | Independent Mortgage Company |
| 37 | VYSTAR CREDIT UNION | 66 | 45 | 47 | 42 | Credit Union |
| 38 | Seacoast National Bank | 66 | 44 | 40 | 28 | Bank |
| 39 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 251 | Independent Mortgage Company |
| 40 | Mortgage Research Center, LLC | 63 | 34 | 70 | 200 | Independent Mortgage Company |
| 41 | Flagstar Bank, N.A. | 63 | 40 | 76 | 170 | Bank |
| 42 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 78 | Independent Mortgage Company |
| 43 | Plains Commerce Bank | 63 | 37 | 67 | 73 | Bank |
| 44 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 65 | Independent Mortgage Company |
| 45 | Equity Prime Mortgage LLC | 63 | 20 | 66 | 65 | Independent Mortgage Company |
| 46 | THE LOAN STORE, INC. | 63 | 40 | 77 | 63 | Independent Mortgage Company |
| 47 | ZILLOW HOME LOANS, LLC | 63 | 31 | 63 | 53 | Independent Mortgage Company |
| 48 | AFFORDABLE MORTGAGE ADVISORS, LLC. | 63 | 27 | 72 | 44 | Independent Mortgage Company |
| 49 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 62 | 26 | 83 | 45 | Independent Mortgage Company |
| 50 | FIRST COMMUNITY MORTGAGE, INC. | 62 | 31 | 89 | 44 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Deltona.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.