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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 FHA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,108 | +0.216% | 222 | |
2 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,841 | -0.511% | 68 | |
3 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $1,265 | -0.638% | 34 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,206 | +0.248% | 1,475 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,628 | +0.197% | 183 | |
6 | MATTAMY HOME FUNDING, LLC | Exceptional | Exceptional | Strong | Strong | Sound | $354 | +0.307% | 30 | |
7 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,536 | -0.566% | 26 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,567 | +0.146% | 145 | |
9 | RMC HOME MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,137 | -0.162% | 144 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,319 | +0.276% | 973 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,369 | -0.149% | 205 | |
12 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,005 | +0.260% | 187 | |
13 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,418 | +0.473% | 180 | |
14 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,004 | +0.317% | 170 | |
15 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,681 | +0.224% | 125 | |
16 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,827 | +0.546% | 73 | |
17 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,958 | +0.345% | 63 | |
18 | SouthState Bank, National Association | Strong | Strong | Strong | Strong | Sound | $2,768 | +0.300% | 45 | |
19 | First Horizon Bank | Strong | Strong | Strong | Strong | Sound | $1,661 | +0.145% | 37 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,046 | +0.345% | 151 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,618 | +0.360% | 134 | |
22 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,193 | -0.175% | 121 | |
23 | COASTAL LOANS, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $6,065 | +0.115% | 113 | |
24 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,962 | +0.343% | 60 | |
25 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,920 | +0.030% | 42 | |
26 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,016 | +0.353% | 41 | |
27 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Sound | $1,584 | +0.682% | 28 | |
28 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,125 | +0.535% | 301 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,934 | +0.458% | 252 | |
30 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,604 | +0.496% | 137 | |
31 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,384 | +0.258% | 126 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,413 | +0.407% | 100 | |
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 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,221 | +0.850% | 65 | |
36 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,099 | +0.447% | 53 | |
37 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,342 | +0.483% | 45 | |
38 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,736 | +0.592% | 44 | |
39 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,572 | +0.391% | 44 | |
40 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,475 | +0.919% | 63 | |
41 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,337 | +0.478% | 62 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,002 | +0.161% | 56 | |
43 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,069 | +0.535% | 47 | |
44 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,408 | +0.691% | 47 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $2,841 | +0.219% | 31 | |
46 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,039 | +0.904% | 27 | |
47 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,115 | +0.073% | 25 | |
48 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,395 | +0.321% | 24 | |
49 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $5,693 | +0.714% | 32 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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