Home purchase lenders in Miami-Dade County
17,929 home purchase mortgages were made in Miami-Dade County, Florida, in 2025, by 541 lenders. The median rate their borrowers got was 6.625% on a median loan of $475,000. Of 23,667 decisions, 5,025 were denials — 21.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,162 | 6.622% | $475,000 | 20.3% |
| A&D Mortgage LLC | 1,084 | 6.875% | $345,000 | 12.4% |
| LENNAR MORTGAGE, LLC | 790 | 4.500% | $415,000 | 25.2% |
| Rocket Mortgage, LLC | 775 | 6.500% | $505,000 | 30.8% |
| JPMorgan Chase Bank, National Association | 559 | 6.375% | $545,000 | 19.8% |
| Paramount Residential Mortgage Group, Inc. | 548 | 6.625% | $495,000 | 13.8% |
| PENNYMAC LOAN SERVICES, LLC | 513 | 6.624% | $535,000 | 23.6% |
| THE LOAN STORE, INC. | 427 | 6.750% | $515,000 | 10.5% |
| BRADESCO BANK | 337 | 6.625% | $415,000 | 10.3% |
| DHI MORTGAGE COMPANY, LTD. | 321 | 3.990% | $435,000 | 17.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 226 | 7.124% | $380,000 | 9.4% |
| NEWREZ LLC | 225 | 6.875% | $535,000 | 24.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 204 | 6.875% | $465,000 | 9.2% |
| CHAMPIONS FUNDING, LLC | 198 | 7.500% | $400,000 | 21.7% |
| MY MORTGAGE, INC. | 195 | 6.875% | $525,000 | 1.0% |
| Bank of America, National Association | 193 | 5.990% | $505,000 | 48.6% |
| DEEPHAVEN MORTGAGE LLC | 193 | 7.125% | $455,000 | 29.9% |
| CMG MORTGAGE, INC. | 188 | 6.875% | $465,000 | 10.9% |
| City National Bank of Florida | 184 | 6.125% | $690,000 | 14.8% |
| Cornerstone First Mortgage, Inc | 173 | 6.875% | $425,000 | 10.4% |
| KIND LENDING, LLC | 172 | 6.625% | $505,000 | 33.6% |
| Kiavi Funding, Inc. | 166 | 10.200% | $425,000 | 10.8% |
| OCMBC, INC. | 158 | 7.000% | $515,000 | 20.0% |
| Citadel Servicing Corporation | 155 | 7.375% | $445,000 | 2.2% |
| Regions Bank | 154 | 6.250% | $465,000 | 30.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 153 | 6.750% | $515,000 | 8.8% |
| POINT MORTGAGE CORPORATION | 135 | 6.875% | $515,000 | 3.5% |
| Plains Commerce Bank | 117 | 6.250% | $405,000 | 22.0% |
| AMWEST FUNDING CORP. | 115 | 6.875% | $335,000 | 14.2% |
| Loandepot.Com, LLC | 112 | 6.500% | $330,000 | 19.2% |
| FIRSTBANK PUERTO RICO | 111 | 6.375% | $325,000 | 5.7% |
| Hometown Equity Mortgage, LLC | 107 | 7.375% | $445,000 | 49.1% |
| Reliable Holdings Manager dba Lendz Financial | 107 | 7.375% | $465,000 | 9.3% |
| EVERETT FINANCIAL, INC. | 102 | 6.625% | $475,000 | 14.3% |
| Wells Fargo Bank, National Association | 100 | 6.125% | $545,000 | 34.8% |
| NFM, INC. | 92 | 4.990% | $565,000 | 8.0% |
| Citibank, National Association | 87 | 5.875% | $1,035,000 | 24.0% |
| SPACE COAST CREDIT UNION | 85 | 5.750% | $225,000 | 44.0% |
| Broker Solutions, Inc. | 81 | 6.750% | $475,000 | 14.7% |
| 1ST FINANCIAL, INC. | 81 | 6.990% | $485,000 | 11.8% |
| Morgan Stanley Private Bank, National Association | 80 | 5.800% | $1,290,000 | 12.2% |
| TD Bank, National Association | 77 | 6.750% | $365,000 | 49.7% |
| ALLIANT CREDIT UNION | 75 | 8.750% | $95,000 | 23.1% |
| READY MORTGAGE LENDERS, LLC | 73 | 6.750% | $505,000 | 20.4% |
| BANKING MORTGAGE SERVICES, B.M.S. CORP. | 73 | 6.875% | $405,000 | 0.0% |
| LUXURY MORTGAGE CORP. | 71 | 7.500% | $565,000 | 11.0% |
| NEXERA HOLDING LLC | 69 | 7.250% | $515,000 | 17.7% |
| JMAC LENDING, INC. | 69 | 6.490% | $485,000 | 16.9% |
| Truist Bank | 68 | 6.125% | $505,000 | 37.1% |
| CLEAREDGE LENDING LLC | 68 | 7.250% | $420,000 | 24.2% |
| Citizens Bank, National Association | 66 | 6.495% | $715,000 | 31.3% |
| First Horizon Bank | 64 | 6.500% | $805,000 | 24.7% |
| Click n' Close, Inc. | 63 | 7.000% | $505,000 | 12.0% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 61 | 6.750% | $505,000 | 9.0% |
| Mortgage Research Center, LLC | 60 | 6.250% | $425,000 | 27.4% |
| GUARANTEED RATE, INC. | 60 | 6.624% | $560,000 | 10.3% |
| LOWER, LLC | 60 | 6.500% | $490,000 | 25.0% |
| Fairway Independent Mortgage Corporation | 60 | 6.750% | $475,000 | 11.6% |
| FBC MORTGAGE, LLC | 59 | 6.250% | $395,000 | 10.6% |
| Helm Bank USA | 59 | Not published | $675,000 | 3.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 58 | 7.063% | $505,000 | 37.6% |
| GENEVA FINANCIAL, LLC | 58 | 7.125% | $380,000 | 1.6% |
| HOMEXPRESS MORTGAGE CORP. | 56 | 6.999% | $405,000 | 55.1% |
| Banco do Brasil Americas | 55 | 6.500% | $485,000 | 9.5% |
| DG PINNACLE FUNDING LLC | 55 | 6.999% | $475,000 | 6.8% |
| GUILD MORTGAGE COMPANY | 54 | 6.563% | $425,000 | 15.7% |
| GUARANTEED RATE AFFINITY, LLC | 53 | 6.600% | $545,000 | 27.0% |
| FREEDOM MORTGAGE CORPORATION | 53 | 6.250% | $515,000 | 38.4% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 52 | 6.438% | $420,000 | 9.2% |
| Commerce Home Mortgage, Inc. | 52 | 7.250% | $490,000 | 27.8% |
| RIGHT START MORTGAGE, INC. | 52 | 6.813% | $485,000 | 10.2% |
| ARC HOME LLC | 51 | 7.250% | $455,000 | 17.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 51 | 6.750% | $475,000 | 3.8% |
| CAKE MORTGAGE CORP. | 50 | 7.500% | $535,000 | 10.5% |
| NQM FUNDING, LLC | 50 | 7.500% | $575,000 | 19.4% |
| PLAZA HOME MORTGAGE, INC. | 49 | 6.625% | $405,000 | 47.5% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 48 | 6.005% | $805,000 | 25.0% |
| Logan Finance Corporation | 47 | 7.124% | $425,000 | 18.3% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 46 | 6.813% | $360,000 | 7.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 44 | 6.625% | $425,000 | 6.4% |
| Navy Federal Credit Union | 42 | 6.250% | $500,000 | 39.1% |
| U.S. Bank National Association | 40 | 6.250% | $785,000 | 42.9% |
| Flagstar Bank, N.A. | 39 | 6.500% | $525,000 | 45.8% |
| BELEM SERVICING LLC | 39 | 6.750% | $485,000 | 4.6% |
| Greenbox Loans, Inc. | 38 | 7.250% | $415,000 | 0.0% |
| HOME FINANCING CENTER, INC. | 38 | 7.000% | $465,000 | 5.0% |
| BETTER MORTGAGE CORPORATION | 37 | 6.250% | $525,000 | 34.5% |
| FIRST COLONY MORTGAGE CORPORATION | 37 | 6.875% | $525,000 | 18.2% |
| SUMMIT FUNDING, INC. | 36 | 6.875% | $505,000 | 14.3% |
| MOVEMENT MORTGAGE, LLC | 34 | 6.625% | $470,000 | 17.7% |
| FlexPoint, Inc. | 34 | 7.313% | $685,000 | 6.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 34 | 10.250% | $425,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 32 | 6.495% | $500,000 | 8.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 31 | 6.500% | $485,000 | 22.5% |
| Capital Partner Mortgage Services | 31 | 6.500% | $435,000 | 19.1% |
| 9845005BP6974AE5D838 | 31 | 6.875% | $475,000 | 12.2% |
| SouthState Bank, National Association | 30 | 6.500% | $485,000 | 23.1% |
| UBS Bank USA | 30 | 5.875% | $1,670,000 | 14.3% |
| DADE COUNTY FEDERAL CREDIT UNION | 29 | 5.875% | $285,000 | 0.0% |
| Equity Prime Mortgage LLC | 27 | 6.625% | $435,000 | 24.3% |
| Loan Funder LLC | 26 | 10.750% | $595,000 | 29.7% |
| STG MORTGAGE INC | 26 | 6.495% | $515,000 | 26.8% |
| AMERICAN HERITAGE LENDING, LLC | 26 | 7.375% | $470,000 | 2.6% |
| LENDSURE MORTGAGE CORP. | 26 | 7.625% | $445,000 | 8.6% |
| RESICENTRAL, LLC | 26 | 6.625% | $480,000 | 10.3% |
| PNC Bank, National Association | 25 | 6.750% | $665,000 | 40.5% |
| ZILLOW HOME LOANS, LLC | 25 | 6.250% | $285,000 | 16.1% |
| Popular Bank | 25 | Not published | $975,000 | 21.9% |
| NVR Mortgage Finance, Inc. | 25 | 6.250% | $295,000 | 40.5% |
| Charles Schwab Bank, SSB | 25 | 5.500% | $1,005,000 | 16.7% |
| Intercredit Bank, National Association | 24 | Not published | $655,000 | 13.8% |
| American Airlines Federal Credit Union | 24 | 6.375% | $300,000 | 16.1% |
| First American Bank | 24 | 6.750% | $505,000 | 16.7% |
| POWER FINANCIAL | 23 | 6.500% | $505,000 | 11.5% |
| FOUNDATION MORTGAGE CORPORATION | 22 | 7.500% | $685,000 | 12.8% |
| Ocean Bank | 22 | Not published | $1,210,000 | 24.2% |
| VISTA POINT MORTGAGE, LLC | 22 | 7.250% | $575,000 | 21.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 22 | 6.438% | $510,000 | 15.4% |
| Banesco USA | 22 | Not published | $1,095,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 21 | 6.875% | $515,000 | 16.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 20 | 8.865% | $540,000 | 0.0% |
| 2549005FUF02T1IFCA22 | 20 | 7.188% | $330,000 | 39.4% |
| BPL MORTGAGE TRUST, LLC | 20 | 6.688% | $205,000 | 28.6% |
| Ixonia Bank | 20 | 7.312% | $415,000 | 0.0% |
| AMERANT MORTGAGE, LLC | 19 | 6.000% | $615,000 | 9.5% |
| 254900CTT87ZKAUTIJ37 | 18 | 9.990% | $410,000 | 30.8% |
| Emporium TPO LLC | 18 | 7.188% | $405,000 | 24.1% |
| Raymond James Bank | 18 | 5.125% | $1,360,000 | 10.0% |
| AMERITRUST MORTGAGE CORPORATION | 17 | 6.750% | $565,000 | 15.0% |
| GENWAY HOME MORTGAGE, INC. | 17 | 7.125% | $395,000 | 22.7% |
| GEO-CORP, INC. | 17 | 6.875% | $565,000 | 0.0% |
| Suncoast Credit Union | 17 | 5.250% | $365,000 | 25.0% |
| FM Home Loans, LLC | 17 | 7.125% | $575,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 16 | 6.688% | $500,000 | 10.3% |
| EDUCATIONAL FEDERAL CREDIT UNION | 16 | 5.500% | $310,000 | 40.7% |
| TOWNE MORTGAGE COMPANY | 16 | 6.375% | $465,000 | 13.6% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 16 | 6.624% | $475,000 | 0.0% |
| GTE Federal Credit Union | 16 | 9.000% | $130,000 | 10.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 16 | 6.933% | $370,000 | 5.3% |
| The Federal Savings Bank | 15 | 6.750% | $535,000 | 34.8% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 15 | 6.750% | $555,000 | 11.8% |
| Terrabank, National Association | 15 | Not published | $565,000 | 0.0% |
| T2 FINANCIAL LLC | 15 | 6.875% | $455,000 | 11.1% |
| ENVOY MORTGAGE, LTD | 14 | 6.625% | $430,000 | 12.5% |
| AMERANT BANK, NATIONAL ASSOCIATION | 14 | 6.250% | $765,000 | 12.5% |
| Fifth Third Bank, National Association | 13 | 6.125% | $995,000 | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 13 | 7.000% | $525,000 | 38.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 13 | 6.375% | $525,000 | 43.5% |
| AHL FUNDING | 13 | 6.750% | $555,000 | 7.1% |
| Quontic Bank | 13 | 8.000% | $645,000 | 13.3% |
| 254900J2RKTTDJSUWD76 | 13 | 6.990% | $465,000 | 0.0% |
| EMBRACE HOME LOANS, INC. | 13 | 6.875% | $465,000 | 6.7% |
| First National Bank of Pennsylvania | 13 | 5.990% | $825,000 | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 13 | 7.125% | $435,000 | 0.0% |
| USAA Federal Savings Bank | 12 | 6.188% | $530,000 | 60.0% |
| Filo Mortgage, L.L.C. | 12 | 6.375% | $595,000 | 13.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 12 | 10.125% | $875,000 | 31.8% |
| Home Mortgage Alliance Corporation (HMAC) | 12 | 7.000% | $530,000 | 23.5% |
| MICHIGAN MUTUAL, INC. | 12 | 6.750% | $450,000 | 15.0% |
| Bank OZK | 12 | 6.500% | $785,000 | 29.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 5.990% | $475,000 | 7.7% |
| Interaudi Bank | 12 | Not published | $805,000 | 0.0% |
| Tomo Mortgage, LLC | 11 | 6.000% | $515,000 | 35.3% |
| FUNDLOANS CAPITAL | 11 | 7.375% | $1,715,000 | 8.3% |
| Third Federal Savings and Loan Association of Cleveland | 11 | 6.640% | $305,000 | 33.3% |
| First-Citizens Bank & Trust Company | 11 | 5.750% | $1,005,000 | 8.3% |
| SWBC MORTGAGE CORPORATION | 11 | 6.750% | $545,000 | 7.7% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.490% | $365,000 | 21.4% |
| The Northern Trust Company | 11 | Not published | $1,025,000 | 0.0% |
| LIMA ONE CAPITAL, LLC | 10 | 10.325% | $465,000 | 33.3% |
| U.S. CENTURY BANK | 10 | Not published | $1,275,000 | 9.1% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 28.6% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 7.7% |
| Valley National Bank | 9 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 9 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 21.4% |
| First Federal Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| INTERNATIONAL FINANCE BANK | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CARTER FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 8 | Under 10 loans | Under 10 loans | 63.6% |
| Seacoast National Bank | 8 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL PACIFIC FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 26.7% |
| Synovus Bank | 8 | Under 10 loans | Under 10 loans | 10.0% |
| OAKTREE FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 7.7% |
| NexBank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Northpointe Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Cadence Bank | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Genisys Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 90.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 68.2% |
| USALLIANCE FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| RBC Bank, (Georgia) National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| CONVENTUS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 341 lenders each made 7 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.