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

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