Safe Rate Rankings

Best Conventional Mortgage Lenders in Deltona

Updated May 23, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders140

Total Loans10,970

Median Rate Spread0.30%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$580Fees	0.560%Below	130
2	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,681Fees	0.224%Above	125
3	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$2,180Fees	0.148%Above	78
4	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$655Fees	0.097%Above	60
5	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,906Fees	0.055%Above	104
6	TrustCo BankBank	Exceptional	Exceptional	Strong	Sound	Sound	$1,289Fees	0.196%Below	30
7	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,129Fees	0.192%Above	29
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,206Fees	0.248%Above	1,475
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,319Fees	0.276%Above	973
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,369Fees	0.149%Below	205
11	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,005Fees	0.260%Above	187
12	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,384Fees	0.258%Above	126
13	SPACE COAST CREDIT UNIONCredit Union	Strong	Strong	Strong	Sound	Strong	$343Fees	0.073%Above	97
14	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,097Fees	0.190%Above	44
15	First Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,536Fees	0.566%Below	26
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,567Fees	0.146%Above	145
17	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$1,841Fees	0.511%Below	68
18	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,408Fees	0.691%Above	47
19	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,768Fees	0.300%Above	45
20	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,661Fees	0.145%Above	37
21	VELOCIO MORTGAGE L.L.C.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,265Fees	0.638%Below	34
22	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$2,797Fees	0.111%Above	28
23	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,934Fees	0.458%Above	252
24	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,068Fees	0.549%Above	251
25	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,628Fees	0.197%Above	183
26	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,004Fees	0.317%Above	170
27	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,046Fees	0.345%Above	151
28	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,604Fees	0.496%Above	137
29	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,413Fees	0.407%Above	100
30	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,804Fees	0.282%Above	78
31	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,314Fees	0.335%Above	73
32	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,827Fees	0.546%Above	73
33	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,375Fees	0.495%Above	65
34	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,594Fees	0.377%Above	65
35	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,958Fees	0.345%Above	63
36	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,962Fees	0.343%Above	60
37	VYSTAR CREDIT UNIONCredit Union	Strong	Sound	Strong	Sound	Strong	$1,769Fees	0.346%Above	42
38	MATTAMY HOME FUNDING, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$354Fees	0.307%Above	30
39	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$3,108Fees	0.216%Above	222
40	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$2,618Fees	0.360%Above	134
41	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,628Fees	0.584%Above	98
42	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,069Fees	0.535%Above	47
43	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,342Fees	0.483%Above	45
44	AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,736Fees	0.592%Above	44
45	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,572Fees	0.391%Above	44
46	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,016Fees	0.353%Above	41
47	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,841Fees	0.219%Above	31
48	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Sound	$1,379Fees	0.038%Above	29
49	Seacoast National BankBank	Strong	Sound	Sound	Sound	Strong	$1,816Fees	0.051%Above	28
50	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,039Fees	0.904%Above	27

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.