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Volusia County, Florida · 2025

Mortgage lenders in Volusia County, FL: denial rates and top lenders (2025)

649 lenders acted on 26,780 mortgage applications for properties in Volusia County in 2025. 21.0% were denied (Florida: 21.1%). Median rate on closed loans 6.63%; median loan $225,000; median property value $355,000.

27kApplications
21.0%Denial ratestate 21.1%
6.63%Median ratestate 6.63%
$225,000Median loan
$355,000Median property value

Largest lenders in Volusia County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 2,0591,456 12.2%6.27%
2 Rocket Mortgage C 1,453987 20.6%6.75%
3 Space Coast Credit Union C 1,143598 27.2%5.38%
4 Bank of America F 782280 37.7%6.25%
5 CMG Mortgage A 706478 3.8%6.75%
6 Dhi Mortgage Company B 594425 10.9%4.88%
7 Truist Bank C 563252 41.0%6.99%
8 Pennymac Loan Services C 543271 10.3%6.50%
9 Mortgage Research Center C 521223 16.9%6.25%
10 Crosscountry Mortgage B 514297 7.6%6.63%
11 Navy Federal Credit Union D 465181 24.7%7.50%
12 Fairwinds Credit Union D 457220 35.7%7.05%
13 Freedom Mortgage B 454179 10.8%6.25%
14 Newrez D 441161 18.1%6.63%
15 Coastal Community Bank C 36898 1.4%9.99%
16 Regions Bank C 362142 42.5%6.00%
17 Loandepot.Com D 362226 18.2%6.75%
18 Lennar Mortgage A 348258 23.3%4.75%
19 Launch Credit Union F 339150 40.4%6.75%
20 Spring Eq D 33879 58.0%9.33%
21 Broker Solutions D 314101 11.2%6.88%
22 PNC Bank D 288128 30.9%7.45%
23 Vystar Credit Union D 288106 37.9%6.88%
24 AmeriSave Mortgage D 28671 61.5%8.13%
25 Lakeview Loan Servicing C 27663 53.6%6.25%

Best approval odds in Volusia County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1First Heritage Mortgage660.0%
2Rmc Home Mortgage751.3%
3Coastal Community Bank2631.9%
4NextMortgage972.1%
5Gold Star Mortgage Financial Group963.1%
6Ixonia Bank513.9%
7The Mortgage Firm1704.1%
8CMG Mortgage5455.0%
9NFM955.3%
10Alkan Mortgage956.3%

What Volusia County borrowers applied for

By loan purpose

Home purchase 12,069 45% · 11.3% denied
Refinance 3,233 12% · 20.1% denied
Cash-out refinance 5,316 20% · 25.4% denied
Home improvement 2,636 10% · 36.5% denied
Other / HELOC 3,526 13% · 36.5% denied

By loan type

Conventional 18,588 69% · 23.4% denied
FHA 5,092 19% · 17.1% denied
VA 3,026 11% · 12.6% denied
USDA / RHS 74 0% · 2.7% denied

Why applications were denied

Debt-to-income ratio 1,958 36%
Credit history 1,223 22%
Collateral 820 15%
Incomplete application 754 14%
Other 369 7%
Unverifiable information 210 4%
Insufficient cash 135 2%
Employment history 45 1%
Mortgage insurance denied 1 0%

Volusia County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202327,35214,29722.8%6.75%$205,000
202426,80814,23222.1%6.75%$215,000
202526,78014,13021.0%6.63%$225,000

Frequently asked questions

21.0% of applications in Volusia County were denied in 2025, against 21.1% statewide in Florida.

United Shore Financial Services, with 2,059 applications in 2025 and a denial rate of 12.2%.

The median mortgage application in Volusia County in 2025 was for $225,000; the median property value on originated loans was $355,000.