Mortgage lending in Deltona-Daytona Beach-Ormond Beach, FL
18,714 mortgages were originated in the Deltona-Daytona Beach-Ormond Beach, FL area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 18,714
- Median rate
- 6.503%
- Median lender fees
- $6,906
- Median loan amount
- $255,000
- Median spread over APOR
- 0.270
- Paid discount points
- 44.7%
- Received lender credits
- 24.4%
- Purchases / refinances
- 58.4% / 25.3%
- Conventional / FHA / VA
- 67.7% / 20% / 11.9%
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 75.5% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Deltona-Daytona Beach-Ormond Beach, FL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,042 | $9,050 | 6.250% |
| Rocket Mortgage, LLC | 1,319 | $5,580 | 6.625% |
| SPACE COAST CREDIT UNION | 728 | — | 5.375% |
| DHI MORTGAGE COMPANY, LTD. | 695 | $7,529 | 4.750% |
| CMG MORTGAGE, INC. | 582 | $8,550 | 6.625% |
| Bank of America, National Association | 371 | $5,206 | 6.375% |
| CROSSCOUNTRY MORTGAGE, INC. | 370 | $9,099 | 6.625% |
| PENNYMAC LOAN SERVICES, LLC | 368 | $6,796 | 6.500% |
| Truist Bank | 358 | $4,613 | 6.990% |
| Loandepot.Com, LLC | 346 | $7,272 | 6.250% |