Deltona VA Loan Rates, Closing Costs & Stats

DELTONA-DAYTONA BEACH-ORMOND BEACH, FL

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Deltona's 166 lenders originated 2,096 VA loans during 2024. The total origination value was $753,370,000, with an average VA loan value of $359,432.

    Deltona VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Deltona averaged 6.69% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    Deltona's average VA mortgage closing costs are $6,616.

    The average rate for the prior week (2025-07-11) was 6.58% and one month ago for the week of 2025-06-13, the average rate was 6.55%.

    The average rate one year ago was 6.55%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.34%.

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

    Deltona VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 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 291 6.02% $7,806
    Mortgage Research Center, LLC 229 6.27% $6,834
    QUICKEN LOANS, LLC 140 6.06% $11,106
    DHI MORTGAGE COMPANY, LTD. 108 4.94% $4,950
    FREEDOM MORTGAGE CORPORATION 84 6.12% $9,134
    NAVY FEDERAL CREDIT UNION 51 5.93% $5,265
    NEW DAY FINANCIAL, LLC 43 7.47% $15,423
    VILLAGE CAPITAL MORTGAGE 37 5.83% $6,445
    LOANDEPOT.COM, LLC 35 5.92% $10,291
    USAA Federal Savings Bank 34 6.29% $9,287
    NEWREZ LLC 31 6.00% $7,763
    PENNYMAC LOAN SERVICES, LLC 28 5.63% $6,562
    CMG MORTGAGE, INC. 28 6.24% $11,713
    CROSSCOUNTRY MORTGAGE, LLC 27 6.24% $10,170
    EAGLE HOME MORTGAGE, LLC 27 4.89% $2,162
    FBC MORTGAGE, LLC 26 5.94% $6,291
    Waterstone Mortgage Corporation 23 6.75% $10,741
    Ameris Bank 19 6.46% $9,083
    NVR Mortgage Finance, Inc. 18 6.35% $3,601
    Flagstar Bank, FSB 17 6.29% $7,228
    ALKAN MORTGAGE CORPORATION 16 6.53% $11,782
    NFM, INC. 16 5.51% $10,266
    UNION HOME MORTGAGE CORP. 15 5.97% $8,278
    Mr. Cooper ( Nationstar Mortgage ) 15 6.28% $11,789
    THE MORTGAGE FIRM, INC. 15 6.82% $5,420
    JET HOMELOANS, LLC 15 5.41% $7,015
    LAKEVIEW LOAN SERVICING, LLC 15 5.82% $6,129
    PLANET HOME LENDING, LLC 15 5.59% $7,190
    Equity Prime Mortgage LLC 15 6.57% $9,148
    MORTGAGE SOLUTIONS OF COLORADO, LLC 13 7.26% $3,319
    GUARANTEED RATE, INC. 13 6.01% $10,846
    BROKER SOLUTIONS, INC. 13 6.67% $8,739
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 13 6.16% $7,378
    KBHS HOME LOANS, LLC 13 5.52% $3,845
    The Federal Savings Bank 11 6.42% $14,013
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 11 6.53% $9,043
    PENTAGON FEDERAL CREDIT UNION 11 5.91% $6,724
    Mid-Continent Funding, Inc. 11 6.07% $6,304
    Paramount Residential Mortgage Group, Inc. 10 6.35% $11,152
    SUMMIT FUNDING, INC. 10 6.27% $9,296
    Truist 10 6.24% $4,567
    Carrington Mortgage Services, LLC 10 6.09% $8,634
    CARDINAL FINANCIAL 9 6.60% $7,826
    Plains Commerce Bank 9 6.38% $17,248
    GUILD MORTGAGE COMPANY 8 6.30% $7,023
    MICHIGAN MUTUAL, INC. 8 6.38% $6,788
    VELOCIO MORTGAGE L.L.C. 8 5.76% $6,730
    Century Mortgage Company DBA Century Lending Company 8 6.22% $4,998
    CLEARPATH LENDING 8 6.11% $7,881
    SUN WEST MORTGAGE COMPANY, INC. 8 6.21% $9,423
    EVERETT FINANCIAL, INC. 7 6.59% $10,432
    Barrington Bank & Trust Company, N.A. 7 6.39% $8,419
    Lakeview Community Capital, LLC 7 5.21% $7,367
    MOVEMENT MORTGAGE, LLC 7 6.50% $8,895
    First Federal Bank 7 5.79% $7,846
    JPMorgan Chase Bank 6 5.98% $8,236
    South Pacific Financial Corporation 6 5.67% $6,817
    First Horizon Bank 5 6.05% $5,991
    SUCCESS MORTGAGE PARTNERS, INC. 5 6.45% $17,111
    AFFORDABLE MORTGAGE ADVISORS, LLC. 5 6.88% $5,788
    PRIMELENDING, A PLAINSCAPITAL COMPANY 5 6.55% $7,813
    INSPIRE HOME LOANS INC. 5 5.20% $5,577
    Ixonia Bank 5 6.50% $19,588
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.10% $4,706
    FIRST COMMUNITY MORTGAGE, INC. 5 6.15% $7,141
    MUTUAL OF OMAHA MORTGAGE, INC. 5 6.20% $14,124
    AMERICAN FINANCIAL RESOURCES, INC. 5 5.98% $9,769
    Magnolia Bank 5 5.83% $16,163
    LOANPAL, LLC 4 6.19% $15,486
    PULTE MORTGAGE LLC 4 5.00% $7,345
    First Heritage Mortgage, LLC 4 4.72% $6,635
    GoPrime Mortgage, Inc. 4 6.09% $8,058
    Regions Bank 4 6.00% $10,463
    EMM LOANS LLC 4 6.87% $9,099
    Credence Funding Corporation 4 5.41% $7,307
    The Loan Store, Inc. 4 6.53% $6,005
    TOWNE MORTGAGE COMPANY 4 6.09% $8,903
    Wells Fargo Bank 4 6.22% $7,952
    NBKC BANK 4 6.19% $3,291
    Mortgage Lenders Investment Trading Corporation 4 7.13% $6,968
    AmeriHome Mortgage Company, LLC 4 6.56% $3,822
    ZILLOW HOME LOANS, LLC 3 6.25% $7,595
    AMERICAN FINANCIAL NETWORK, INC. 3 6.12% $14,827
    American Mortgage & Equity Consultants, Inc. 3 6.71% $10,894
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 6.17% $9,251
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.54% $7,637
    AMERISAVE MORTGAGE CORPORATION 3 6.04% $25,039
    Fifth Third Bank 3 6.29% $2,257
    MATTAMY HOME FUNDING, LLC 3 5.50% $12,369
    M/I FINANCIAL, LLC 3 6.13% $21,910
    NETWORK CAPITAL FUNDING CORPORATION 3 5.79% $27,551
    NORTHPOINT MORTGAGE, INC. 3 6.33% $9,174
    PLAZA HOME MORTGAGE, INC. 3 6.25% $13,008
    PNC Bank 3 6.79% $5,998
    ACOPIA, LLC 3 5.92% $2,294
    Keystone Funding, Inc. 2 5.63% $16,772
    Summit Mortgage Corporation 2 6.00% $20,461
    HALLMARK HOME MORTGAGE, LLC 2 6.81% $7,733
    DELMAR FINANCIAL COMPANY 2 6.38% $6,400
    BM Real Estate Services, Inc. 2 6.31% $0
    OCMBC, INC. 2 6.38% $8,963
    U.S. Bank 2 5.88% $5,653
    Texana Bank 2 6.25% $11,202
    VAN DYK MORTGAGE CORPORATION 2 6.69% $7,851
    Presidential Bank, FSB 2 6.38% $2,904
    VERITAS FUNDING, LLC 2 6.25% $19,742
    PHH Mortgage Corporation 2 5.31% $5,361
    MORTGAGE EQUITY PARTNERS LLC 2 5.50% $15,261
    Cornerstone First Mortgage, Inc 2 6.50% $9,748
    STOCKTON MORTGAGE CORPORATION 2 5.63% $10,774
    OceanFirst Bank 2 5.75% $7,898
    ONE NEVADA CREDIT UNION 1 5.63% $12,228
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.75% $7,893
    Gulf Coast Bank and Trust Company 1 6.25% $16,937
    Granite Community Bank 1 6.50% $5,318
    GENEVA FINANCIAL, LLC 1 6.00% $19,752
    WATSON MORTGAGE CORP. 1 7.00% $5,845
    Armed Forces Bank 1 5.50% $3,315
    Florida Capital Bank 1 6.75% $2,558
    First Option Mortgage, LLC 1 7.00% $3,725
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 5.50% $0
    Encompass Lending Group, LP 1 6.25% $5,400
    Residential Mortgage Solutions, Inc. 1 6.75% $7,964
    ROSS MORTGAGE CORPORATION 1 6.13% $11,836
    RUOFF MORTGAGE COMPANY, INC. 1 6.75% $3,794
    Seacoast National Bank 1 6.25% $7,140
    SFMC, LP 1 6.75% $8,595
    SHELTER HOME MORTGAGE, LLC 1 7.25% $7,105
    Sierra Pacific Mortgage Company, Inc. 1 6.13% $11,897
    EMBRACE HOME LOANS, INC. 1 6.50% $11,050
    SPACE COAST Credit Union 1 6.63% $10,123
    DIRECT MORTGAGE LOANS, LLC 1 6.63% $17,976
    DEVELOPER'S MORTGAGE COMPANY 1 6.63% $16,999
    Sunflower Bank 1 6.13% $22,069
    SWBC MORTGAGE CORPORATION 1 6.25% $13,062
    The Dart Bank 1 6.25% $19,443
    DAS Acquisition Company, LLC 1 8.25% $8,787
    CHURCHILL MORTGAGE CORPORATION 1 6.75% $4,677
    TIDEWATER MORTGAGE SERVICES, INC. 1 5.50% $11,018
    CANOPY MORTGAGE, LLC 1 6.25% $9,841
    CALCON MUTUAL MORTGAGE LLC 1 6.25% $3,664
    BOKF 1 6.88% $5,759
    UNITED MORTGAGE CORP 1 6.50% $6,864
    Bell Bank 1 6.25% $9,490
    Valley National Bank 1 6.50% $18,135
    BAY EQUITY LLC 1 6.13% $9,212
    MORTGAGE FINANCIAL GROUP, INC. 1 6.50% $12,483
    MORTGAGEONE, INC. 1 7.00% $314
    MORIA DEVELOPMENT, INC. 1 6.75% $10,472
    LOANPEOPLE, LLC 1 5.63% $5,716
    MID AMERICA MORTGAGE, INC. 1 5.13% $3,880
    LOANLEADERS OF AMERICA, INC. 1 5.75% $11,095
    LEADERONE FINANCIAL CORPORATION 1 6.25% $10,744
    NATIONS DIRECT MORTGAGE, LLC 1 7.25% $15,494
    Nations Lending Corporation 1 6.75% $21,319
    JMAC LENDING, INC. 1 6.25% $13,943
    BancorpSouth 1 5.25% $21,765
    INTELLILOAN, INC. 1 6.00% $975
    HOMESPIRE MORTGAGE CORPORATION 1 6.88% $3,506
    NexBank 1 6.25% $34,291
    HOMESIDE FINANCIAL, LLC 1 6.75% $17,592
    Northpointe Bank 1 6.13% $5,105
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.75% $2,649
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 5.75% $3,646
    Home Mortgage Alliance Corp 1 7.25% $4,852
    OCEANSIDE MORTGAGE COMPANY 1 6.75% $0

    The top Deltona VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 291 VA loans originated. Their average total fees are $7,806, which is $972 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Deltona VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC ($2,162), MORTGAGE SOLUTIONS OF COLORADO, LLC ($3,319), NVR Mortgage Finance, Inc. ($3,601), KBHS HOME LOANS, LLC ($3,845) and Truist ($4,567).

    The lowest rate Deltona VA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.89%), DHI MORTGAGE COMPANY, LTD. (4.94%), JET HOMELOANS, LLC (5.41%), NFM, INC. (5.51%) and KBHS HOME LOANS, LLC (5.52%).

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.