Mortgage lending in Volusia County
14,130 mortgages were originated in Volusia County, Florida, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 14,130
- Median rate
- 6.625%
- Median lender fees
- $6,871
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $245,000
- Above the going rate (spread over APOR)
- 0.305
- Paid discount points
- 43.3%
- Received lender credits
- 24.3%
- Purchases / refinances
- 57.3% / 26.1%
- Conventional / FHA / VA
- 67.9% / 20.4% / 11.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 74.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $351,000
- That home, 20% down
- $280,800
A median-priced home with 20% down leaves $551,950 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Volusia County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,456 | $9,072 | 6.269% |
| Rocket Mortgage, LLC | 987 | $5,599 | 6.750% |
| Space Coast Credit Union | 598 | — | 5.375% |
| CMG Mortgage, Inc. | 478 | $8,215 | 6.750% |
| DHI Mortgage Company, Ltd. | 425 | $7,309 | 4.875% |
| Crosscountry Mortgage, Inc. | 297 | $9,099 | 6.625% |
| Bank of America, National Association | 280 | $5,445 | 6.250% |
| Pennymac Loan Services, LLC | 271 | $6,839 | 6.499% |
| Lennar Mortgage, LLC | 258 | $9,047 | 4.750% |
| Truist Bank | 252 | $4,577 | 6.990% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in Volusia County — not a rule of thumb.
From 10,536 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers