# Best Mortgage Lenders in Fort lauderdale, Miami

**As of:** 2026-05-23

Compare the top mortgage lenders in Fort lauderdale, Miami. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/miami/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 163
- **Total Loans:** 17,885
- **Median Rate Spread:** 0.3837612903225806%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FIRSTBANK PUERTO RICO | 86 | 69 | 82 | 99 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 4,195 | Independent Mortgage Company |
| 3 | Bank of America, National Association | 80 | 73 | 75 | 159 | Bank |
| 4 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 724 | Bank |
| 5 | Citibank, National Association | 78 | 87 | 58 | 103 | Bank |
| 6 | Morgan Stanley Private Bank, National Association | 78 | 94 | 66 | 73 | Bank |
| 7 | FBC MORTGAGE, LLC | 78 | 60 | 83 | 73 | Independent Mortgage Company |
| 8 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 1,490 | Independent Mortgage Company |
| 9 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 336 | Independent Mortgage Company |
| 10 | Regions Bank | 73 | 41 | 64 | 231 | Bank |
| 11 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 230 | Independent Mortgage Company |
| 12 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 199 | Independent Mortgage Company |
| 13 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 175 | Bank |
| 14 | City National Bank of Florida | 73 | 77 | 59 | 108 | Bank |
| 15 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 103 | Independent Mortgage Company |
| 16 | POINT MORTGAGE CORPORATION | 73 | 41 | 67 | 97 | Independent Mortgage Company |
| 17 | First Horizon Bank | 73 | 49 | 68 | 83 | Bank |
| 18 | SPACE COAST CREDIT UNION | 73 | 75 | 57 | 83 | Credit Union |
| 19 | Truist Bank | 73 | 70 | 68 | 79 | Bank |
| 20 | U.S. Bank National Association | 73 | 75 | 71 | 47 | Bank |
| 21 | Citizens Bank, National Association | 73 | 69 | 62 | 45 | Bank |
| 22 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 79 | Credit Union |
| 23 | PROVIDENT FUNDING ASSOCIATES, L.P. | 71 | 83 | 55 | 72 | Independent Mortgage Company |
| 24 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 71 | 46 | 83 | 47 | Independent Mortgage Company |
| 25 | Paramount Residential Mortgage Group, Inc. | 68 | 27 | 72 | 762 | Independent Mortgage Company |
| 26 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 213 | Independent Mortgage Company |
| 27 | NFM, INC. | 68 | 23 | 87 | 164 | Independent Mortgage Company |
| 28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 136 | Independent Mortgage Company |
| 29 | TD Bank, National Association | 66 | 47 | 57 | 74 | Bank |
| 30 | Flagstar Bank, N.A. | 63 | 40 | 76 | 288 | Bank |
| 31 | THE LOAN STORE, INC. | 63 | 40 | 77 | 213 | Independent Mortgage Company |
| 32 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 180 | Independent Mortgage Company |
| 33 | Plains Commerce Bank | 63 | 37 | 67 | 137 | Bank |
| 34 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 92 | Independent Mortgage Company |
| 35 | OCMBC, INC. | 63 | 21 | 64 | 91 | Independent Mortgage Company |
| 36 | KIND LENDING, LLC | 63 | 39 | 73 | 86 | Independent Mortgage Company |
| 37 | Sierra Pacific Mortgage Company, Inc. | 63 | 32 | 80 | 79 | Independent Mortgage Company |
| 38 | EDUCATIONAL FEDERAL CREDIT UNION | 63 | 79 | 31 | 65 | Credit Union |
| 39 | BETTER MORTGAGE CORPORATION | 62 | 85 | 21 | 42 | Independent Mortgage Company |
| 40 | GUILD MORTGAGE COMPANY LLC | 62 | 25 | 83 | 40 | Independent Mortgage Company |
| 41 | NEWREZ LLC | 58 | 35 | 59 | 277 | Independent Mortgage Company |
| 42 | Mortgage Research Center, LLC | 58 | 34 | 70 | 78 | Independent Mortgage Company |
| 43 | Equity Prime Mortgage LLC | 58 | 20 | 66 | 77 | Independent Mortgage Company |
| 44 | PLAZA HOME MORTGAGE, INC. | 58 | 36 | 69 | 65 | Independent Mortgage Company |
| 45 | GUARANTEED RATE AFFINITY, LLC | 58 | 33 | 60 | 58 | Independent Mortgage Company |
| 46 | LOWER, LLC | 58 | 30 | 71 | 56 | Independent Mortgage Company |
| 47 | AMERICAN FINANCIAL NETWORK, INC. | 58 | 28 | 71 | 54 | Independent Mortgage Company |
| 48 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 58 | 28 | 68 | 45 | Independent Mortgage Company |
| 49 | TOWNE MORTGAGE COMPANY | 58 | 40 | 79 | 45 | Independent Mortgage Company |
| 50 | CAPITAL PARTNERS MORTGAGE SERVICES LLC. | 58 | 22 | 50 | 43 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Fort lauderdale, Miami.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.