Metro area · Florida

Deltona-Daytona Beach-Ormond Beach, FL metro: mortgages and home buyers

2025 home-purchase and refinance statistics for the 2-county Deltona-Daytona Beach-Ormond Beach, FL area (OMB code 19660), from official HMDA records.

In 2025, lenders reported 8,717 home-purchase mortgages for owner-occupied, single-family homes in the Deltona-Daytona Beach-Ormond Beach, FL metro area. The median buyer borrowed $305,000 on a home valued at $355,000 and reported a household income of $102,000.

Buyers financed a median 95% of the home's value (roughly 5% down), paid a median 6.625% on 30-year fixed conventional loans and faced median conventional loan costs of $6,040.

Lenders denied 10.8% of completed home-purchase applications.

Purchase loans

8,717

2 counties

Buyer income

$102,000

U.S. $116,000

Loan amount

$305,000

U.S. $335,000

Down payment

U.S. 10%

30-yr fixed rate

6.625%

U.S. 6.625%

Denial rate

10.8%

Purchase · U.S. 8.5%

Key facts

Home buyers' median income ($102,000) is 12% lower than the U.S. median ($116,000).
Median conventional loan costs ($6,040) were 8% higher than the U.S. median ($5,570).
FHA loans made up 33.3% of purchase mortgages, versus 21.1% nationally.
VA loans were unusually common: 15.3% of purchase mortgages.
The most common age bracket among borrowers was 25–34 (23.8% of purchase loans).
54.3% of purchase mortgages had a single borrower with no co-applicant.
The most-cited reason for denial was debt-to-income ratio (46.3% of denials with a stated reason).

Counties in the metro area

County	Purchase loans	Median loan	Buyer income	30-yr rate	Loan costs	Conforming limit	FHA limit
Volusia County, FL	6,464	$305,000	$101,000	6.625%	$6,010	$832,750	$541,287
Flagler County, FL	2,253	$315,000	$106,000	6.500%	$6,150	$832,750	$541,287

Who bought homes in Deltona

Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.

Purchase loans

8,717

of 10,027 applications

Buyer income

$102,000

Middle half $74,000–$146,000

Home value

$355,000

Middle half $295,000–$435,000

Loan amount

$305,000

Middle half $245,000–$375,000

Down payment

35.9% put 20%+ down

Single borrower

54.3%

No co-applicant

Values are medians; "middle half" is the 25th to 75th percentile.

Loan type

Conventional 51.3% 4,472

FHA 33.3% 2,899

VA 15.3% 1,332

USDA 0.2% 14

What the homes were for

Primary residence 92.1% 8,968

Second home 5.6% 550

Investment property 2.3% 221

All first-lien, closed-end purchase mortgages, including second homes and investors.

Borrower age

Under 25 5.4%

25–34 23.8%

35–44 20.4%

45–54 17.8%

55–64 17.9%

65–74 10.8%

75 and over 3.9%

Debt-to-income ratio

Under 20% 2.7%

20–29% 9.4%

30–35% 12.3%

36–42% 22.1%

43–49% 34.9%

50–60% 17.6%

Over 60% 1.0%

Monthly debts (including the new payment) as a share of income, as used in underwriting.

What borrowing cost in Deltona

Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.

Measure	Deltona	U.S.
30-year fixed rate · conventional	6.625%	6.625%
30-year fixed rate · FHA	6.125%	6.250%
30-year fixed rate · VA	6.125%	6.125%
15-year fixed rate · conventional	5.690%	5.875%
Rate spread vs. APOR · conventional	+0.14 pts	+0.13 pts
Total loan costs · conventional	$6,040	$5,570
Total loan costs · FHA	$11,410	$11,310
Total loan costs · VA	$5,760	$6,490
Origination charges (all loan types)	$2,000	$1,860
Borrowers paying discount points	61.1%	51.3%
Points paid, when paid (% of loan)	0.98%	0.87%
Borrowers receiving lender credits	30.9%	33.1%
Adjustable-rate mortgages	4.1%	7.4%
Jumbo loans (above conforming limit)	1.3%	3.8%

Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.

Approvals and denials

Deltona: 1,078 of 10,027 completed home-purchase applications were denied (10.8%).

Denial rate

Application	Deltona	U.S.
Home purchase	10.8%	8.5%
Conventional	8.9%	7.1%
FHA	13.9%	12.5%
VA	9.9%	8.0%
USDA	—	12.5%
Refinance	24.2%	17.9%
Cash-out refinance	39.2%	33.6%

Main reason for purchase denials

Debt-to-income ratio 46.3%

Credit history 13.8%

Collateral (appraisal/property) 11.6%

Credit application incomplete 7.4%

Unverifiable information 6.9%

Other 6.1%

Insufficient cash (down payment/closing costs) 5.3%

Employment history 2.3%

Mortgage insurance denied 0.1%

First reason the lender reported.

Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.

Refinancing in Deltona

Refinances

1,278

Median loan $315,000

Refi rate

6.49%

30-yr fixed, conv.

Refi loan costs

$5,400

Conventional

Cash-out refis

1,544

Median loan $245,000

Cash-out rate

6.875%

30-yr fixed, conv.

Cash-out income

$80,000

Median borrower

Source: FFIEC/CFPB HMDA 2025 public LAR (derived MSA/MD); OMB July 2023 delineations via the U.S. Census Bureau. Methodology