Deltona FHA Loan Rates, Closing Costs & Stats

DELTONA-DAYTONA BEACH-ORMOND BEACH, FL

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Deltona's 210 lenders originated 3,778 FHA loans during 2024. The total origination value was $1,125,180,000, with an average FHA loan value of $297,824.

    Deltona FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Deltona averaged 0.07% for the week of 2025-06-20, compared to the national average (all FHA variants) of 0% for the same period.

    Deltona's average FHA mortgage closing costs are $9,245.

    The average rate for the prior week (2025-06-13) was 6.56% and one month ago for the week of 2025-05-16, the average rate was 6.52%.

    The average rate one year ago was 6.47%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.28%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Deltona FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Deltona level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 461 6.19% $13,991
    DHI MORTGAGE COMPANY, LTD. 406 4.89% $9,336
    QUICKEN LOANS, LLC 247 6.23% $13,049
    FREEDOM MORTGAGE CORPORATION 100 6.31% $14,181
    Waterstone Mortgage Corporation 93 6.67% $14,936
    EAGLE HOME MORTGAGE, LLC 89 5.00% $11,740
    LOANDEPOT.COM, LLC 71 6.13% $12,156
    CMG MORTGAGE, INC. 68 6.51% $13,351
    CROSSCOUNTRY MORTGAGE, LLC 68 6.50% $13,848
    FBC MORTGAGE, LLC 67 6.13% $13,616
    PENNYMAC LOAN SERVICES, LLC 67 6.16% $12,013
    NFM, INC. 63 5.61% $15,577
    GUILD MORTGAGE COMPANY 61 6.50% $12,931
    BROKER SOLUTIONS, INC. 60 6.55% $13,793
    Flagstar Bank, FSB 57 6.28% $12,065
    THE MORTGAGE FIRM, INC. 49 6.51% $11,727
    Equity Prime Mortgage LLC 47 6.56% $14,004
    ALKAN MORTGAGE CORPORATION 44 6.59% $12,905
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 44 6.59% $11,535
    NEWREZ LLC 42 6.20% $12,724
    NVR Mortgage Finance, Inc. 36 6.20% $10,380
    Mortgage Lenders Investment Trading Corporation 32 6.82% $11,542
    Paramount Residential Mortgage Group, Inc. 31 6.55% $15,114
    EVERETT FINANCIAL, INC. 30 6.92% $12,716
    JET HOMELOANS, LLC 29 5.30% $11,590
    Carrington Mortgage Services, LLC 28 6.44% $14,894
    Plains Commerce Bank 27 6.55% $13,520
    PLAZA HOME MORTGAGE, INC. 23 6.82% $14,594
    Century Mortgage Company DBA Century Lending Company 21 6.17% $13,611
    KBHS HOME LOANS, LLC 21 5.57% $11,749
    SUMMIT FUNDING, INC. 21 6.18% $13,742
    SUN WEST MORTGAGE COMPANY, INC. 19 5.99% $15,848
    The Loan Store, Inc. 19 6.10% $13,981
    MATTAMY HOME FUNDING, LLC 18 5.58% $10,415
    PULTE MORTGAGE LLC 18 4.66% $9,409
    FIRST COMMUNITY MORTGAGE, INC. 17 6.45% $12,519
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 17 6.54% $12,788
    GUARANTEED RATE, INC. 17 6.85% $13,402
    ZILLOW HOME LOANS, LLC 17 6.29% $12,354
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 17 6.39% $15,787
    AMERICAN FINANCIAL NETWORK, INC. 16 6.76% $15,189
    INSPIRE HOME LOANS INC. 16 5.63% $10,099
    Ixonia Bank 16 6.46% $14,284
    CARDINAL FINANCIAL 15 6.19% $12,989
    AMERISAVE MORTGAGE CORPORATION 15 6.00% $15,203
    VELOCIO MORTGAGE L.L.C. 14 5.35% $17,284
    Mr. Cooper ( Nationstar Mortgage ) 14 6.43% $11,033
    Ameris Bank 14 6.68% $9,729
    Truist 14 6.44% $9,124
    First Heritage Mortgage, LLC 14 5.20% $14,329
    EMM LOANS LLC 13 6.32% $14,166
    HALLMARK HOME MORTGAGE, LLC 13 6.65% $12,347
    TOWNE MORTGAGE COMPANY 13 6.34% $13,497
    UNION HOME MORTGAGE CORP. 11 6.36% $13,642
    PRIMELENDING, A PLAINSCAPITAL COMPANY 11 6.72% $11,455
    MOVEMENT MORTGAGE, LLC 11 6.74% $13,527
    MID AMERICA MORTGAGE, INC. 10 6.65% $12,888
    CANOPY MORTGAGE, LLC 10 6.64% $12,172
    South State Bank 10 6.13% $11,854
    M/I FINANCIAL, LLC 10 5.98% $20,122
    LAKEVIEW LOAN SERVICING, LLC 9 6.38% $8,586
    MUTUAL OF OMAHA MORTGAGE, INC. 8 6.48% $13,197
    Bank of England 8 5.91% $14,809
    First Horizon Bank 8 6.69% $9,624
    JMAC LENDING, INC. 7 5.88% $14,322
    PLANET HOME LENDING, LLC 7 5.94% $10,772
    OCMBC, INC. 6 7.50% $13,441
    STOCKTON MORTGAGE CORPORATION 6 6.48% $14,488
    AMERICAN PACIFIC MORTGAGE CORPORATION 6 6.60% $13,584
    HOMESIDE FINANCIAL, LLC 6 6.46% $13,903
    AFFORDABLE MORTGAGE ADVISORS, LLC. 6 6.69% $11,568
    Cornerstone First Mortgage, Inc 6 6.08% $13,300
    LOANPAL, LLC 6 6.17% $10,720
    Wells Fargo Bank 5 6.63% $8,594
    Lakeview Community Capital, LLC 5 6.53% $7,962
    JPMorgan Chase Bank 5 6.28% $11,178
    AMERICAN BANCSHARES MORTGAGE 5 6.70% $11,374
    SECURITYNATIONAL MORTGAGE COMPANY 5 6.88% $13,345
    MORTGAGE EQUITY PARTNERS LLC 5 6.93% $17,098
    AMERICAN FINANCIAL RESOURCES, INC. 5 6.45% $13,515
    LOANPEOPLE, LLC 5 5.80% $15,371
    BAY EQUITY LLC 5 6.20% $9,235
    MILEND, INC. 5 6.23% $16,512
    HOMESPIRE MORTGAGE CORPORATION 5 6.15% $14,846
    ROYAL UNITED MORTGAGE LLC 4 6.25% $13,874
    BM Real Estate Services, Inc. 4 5.62% $14,456
    SUCCESS MORTGAGE PARTNERS, INC. 4 6.37% $16,203
    VILLAGE CAPITAL MORTGAGE 4 6.44% $12,969
    Prosperity Home Mortgage, LLC 4 5.94% $14,316
    NATIONWIDE MORTGAGE BANKERS, INC. 4 6.50% $18,250
    LEADERONE FINANCIAL CORPORATION 4 6.47% $13,039
    NORTHPOINT MORTGAGE, INC. 4 6.50% $11,311
    Loan Simple, Inc. 4 6.31% $17,474
    PNC Bank 3 6.67% $8,456
    Sierra Pacific Mortgage Company, Inc. 3 6.17% $14,074
    Nations Lending Corporation 3 6.58% $12,070
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 3 6.79% $11,406
    NETWORK CAPITAL FUNDING CORPORATION 3 5.79% $17,890
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.58% $11,667
    Keystone Funding, Inc. 3 6.00% $14,087
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 3 5.08% $11,139
    ACOPIA, LLC 3 6.08% $14,593
    WATSON MORTGAGE CORP. 3 6.79% $9,890
    Bank of America 3 6.50% $9,692
    AmeriHome Mortgage Company, LLC 3 6.71% $10,973
    Fifth Third Bank 3 6.38% $9,935
    American Mortgage & Equity Consultants, Inc. 3 6.08% $15,163
    Mortgage Research Center, LLC 3 6.83% $10,598
    AMERICAN FINANCING CORPORATION 3 6.08% $15,632
    South Pacific Financial Corporation 3 4.63% $7,544
    Regions Bank 3 6.04% $10,085
    FIRST MORTGAGE COMPANY, INC. 3 6.42% $12,636
    ABSOLUTE HOME MORTGAGE CORPORATION 3 6.33% $15,066
    Hometown Equity Mortgage, LLC 3 6.58% $12,354
    NBKC BANK 3 5.88% $12,455
    Preston Home Loans Inc 3 6.63% $10,897
    Presidential Bank, FSB 3 6.38% $11,379
    GUARANTEED RATE AFFINITY, LLC 2 6.81% $9,113
    ALLIED MORTGAGE GROUP, INC. 2 5.94% $14,463
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 2 6.81% $10,996
    AMERITRUST MORTGAGE CORPORATION 2 6.63% $13,958
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 2 6.38% $8,877
    CASTLE & COOKE MORTGAGE, LLC 2 6.24% $15,849
    CHURCHILL MORTGAGE CORPORATION 2 6.25% $11,334
    City Lending Inc. 2 6.44% $14,698
    Commerce Home Mortgage, Inc. 2 6.25% $18,537
    EMBRACE HOME LOANS, INC. 2 6.44% $14,390
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 2 6.56% $10,941
    Florida Capital Bank 2 6.13% $13,442
    GENEVA FINANCIAL, LLC 2 6.56% $16,389
    GEO-CORP, INC. 2 7.13% $15,485
    HOMEAMERICAN MORTGAGE CORPORATION 2 4.31% $7,079
    LADERA LENDING, INC. 2 6.56% $10,267
    LAND HOME FINANCIAL SERVICES, INC. 2 6.81% $16,277
    MICHIGAN MUTUAL, INC. 2 6.75% $20,900
    MY MORTGAGE, INC. 2 7.06% $12,829
    Northpointe Bank 2 6.13% $11,122
    PHH Mortgage Corporation 2 6.63% $11,029
    SFMC, LP 2 6.69% $10,073
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 2 6.75% $12,043
    SOUTHPOINT FINANCIAL SERVICES, INC. 2 6.25% $12,140
    SPACE COAST Credit Union 2 6.56% $8,565
    Strong Home Mortgage, LLC 2 5.88% $9,550
    T2 FINANCIAL LLC 2 6.87% $12,351
    VANDERBILT MORTGAGE AND FINANCE, INC. 2 6.87% $10,160
    VAN DYK MORTGAGE CORPORATION 2 6.49% $10,456
    VYSTAR 2 7.69% $4,595
    MORTGAGE 1 INCORPORATED 1 6.63% $9,412
    Magnolia Bank 1 6.75% $10,844
    PENTAGON FEDERAL CREDIT UNION 1 5.63% $16,119
    Performance Financial, Inc. 1 5.88% $14,953
    Arvest Bank 1 6.50% $10,742
    LOANLEADERS OF AMERICA, INC. 1 6.63% $22,385
    LOANFLIGHT LENDING, LLC 1 6.25% $11,650
    LEGEND LENDING CORPORATION 1 6.63% $10,994
    INTERCOASTAL MORTGAGE COMPANY 1 7.13% $14,782
    PREMIA MORTGAGE, LLC 1 5.99% $10,625
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.25% $15,976
    INTERCAP LENDING INC. 1 6.75% $12,893
    INTELLILOAN, INC. 1 6.63% $5,933
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.88% $17,187
    HOME SOLUTION LENDERS INC. 1 5.63% $10,599
    Home Mortgage Alliance Corp 1 7.38% $20,465
    1ST FINANCIAL, INC. 1 6.75% $10,171
    First PREMIER Bank 1 6.13% $9,519
    Quontic Bank 1 6.13% $12,186
    RADIUS FINANCIAL GROUP INC. 1 6.00% $6,780
    First Option Mortgage, LLC 1 5.25% $21,802
    RELIANCE FIRST CAPITAL, LLC 1 5.75% $18,086
    RESIDENTIAL BANCORP 1 6.25% $6,418
    ROSS MORTGAGE CORPORATION 1 7.25% $13,020
    First Federal Bank 1 5.75% $7,618
    FIRST EQUITY MORTGAGE BANKERS, INC. 1 7.00% $16,983
    Advisors Mortgage Group, L.L.C. 1 6.63% $8,461
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 5.88% $23,520
    Bell Bank 1 5.50% $26,580
    Encompass Lending Group, LP 1 6.75% $12,019
    BANKSOUTH MORTGAGE COMPANY, LLC 1 5.25% $19,914
    DIRECT MORTGAGE LOANS, LLC 1 7.13% $19,088
    Acre Mortgage and Financial Inc 1 7.13% $19,595
    DG PINNACLE FUNDING LLC 1 6.63% $10,011
    Wallick & Volk, Inc. 1 6.63% $14,680
    DELMAR FINANCIAL COMPANY 1 6.38% $13,090
    COUNTRYPLACE MORTGAGE, LTD. 1 4.75% $8,354
    CLIFFCO, INC. 1 5.25% $10,668
    SWBC MORTGAGE CORPORATION 1 7.25% $16,672
    Synovus Bank 1 6.75% $8,396
    AXIA FINANCIAL, LLC 1 6.75% $9,724
    Texana Bank 1 6.63% $8,468
    CityWorth Mortgage LLC 1 6.00% $18,641
    City National Bank of Florida 1 5.75% $7,186
    Citizens Bank 1 6.00% $11,104
    TruHome Solutions, LLC 1 6.00% $17,288
    Centennial Bank 1 5.75% $7,352
    CALCON MUTUAL MORTGAGE LLC 1 6.00% $17,041
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 1 7.75% $18,027
    BETTER MORTGAGE CORPORATION 1 5.38% $16,049
    University Bank 1 6.25% $8,110
    U.S. Bank 1 6.63% $11,814
    Network Funding, L.P. 1 6.75% $6,020
    NEW DAY FINANCIAL, LLC 1 7.99% $4,833
    NATIONS DIRECT MORTGAGE, LLC 1 6.63% $13,969
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.25% $16,562
    NORTHERN MORTGAGE SERVICES, LLC 1 6.99% $13,285
    Valley National Bank 1 5.75% $10,602
    MORTGAGEONE, INC. 1 7.00% $16,740
    MORTGAGE INVESTORS GROUP, INC. 1 6.63% $9,928
    MORTGAGE FINANCIAL GROUP, INC. 1 6.13% $14,161
    Pacific Lending LLC 1 6.75% $13,655
    PANORAMA MORTGAGE GROUP, LLC 1 6.25% $15,562

    The top Deltona FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 461 FHA loans originated. Their average total fees are $13,991, which is $4,655 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Deltona FHA lenders (with over 10 loans originated) are Truist ($9,124), DHI MORTGAGE COMPANY, LTD. ($9,336), PULTE MORTGAGE LLC ($9,409), Ameris Bank ($9,729) and INSPIRE HOME LOANS INC. ($10,099).

    The lowest rate Deltona FHA lenders (with over 10 loans originated) are PULTE MORTGAGE LLC (4.66%), DHI MORTGAGE COMPANY, LTD. (4.89%), EAGLE HOME MORTGAGE, LLC (5.00%), First Heritage Mortgage, LLC (5.20%) and JET HOMELOANS, LLC (5.30%).

    Deltona FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL FLAGLER 2022 $420,680 $538,650 $651,050 $809,150
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL VOLUSIA 2022 $420,680 $538,650 $651,050 $809,150
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL FLAGLER 2023 $472,030 $604,400 $730,525 $907,900
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL VOLUSIA 2023 $472,030 $604,400 $730,525 $907,900

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).