Safe Rate Rankings

Best Conventional Mortgage Lenders in Miami

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders163

Total Loans17,885

Median Rate Spread0.38%

Miami Market Insights

United Wholesale Mortgage is Safe Rate's top-ranked Conventional lender in Miami, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Miami, Morgan Stanley Private Bank National Association and Navy Federal Credit Union scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #1 in Miami, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Miami: Rocket Mortgage (#2) and United Wholesale Mortgage (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Miami

Need rankings for a different loan product?

FHA Loans VA Loans Jumbo Loans

By Institution Type

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Exceptional	Acceptable*	Exceptional	Exceptional	Exceptional	$3,984Fees	0.441%Above	4,195
2	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$5,015Fees	0.282%Above	1,490
3	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$3,047Fees	0.177%Above	724
4	FIRSTBANK PUERTO RICO BankDirect	Strong	Strong	Exceptional	Exceptional	Strong	$1,564Fees	0.002%Above	99
5	Bank of America, National Association BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,386Fees	0.228%Below	159
6	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Sound	$539Fees	0.653%Below	79
7	Citibank, National Association BankDirect	Strong	Exceptional	Exceptional	Sound	Strong	$1,105Fees	0.288%Below	103
8	Truist Bank BankDirect	Strong	Strong	Exceptional	Strong	Sound	$1,720Fees	0.111%Above	79
9	Morgan Stanley Private Bank, National Association BankDirect	Strong	Exceptional	Strong	Sound	Sound	$508Fees	0.491%Below	73
10	U.S. Bank National Association BankDirect	Strong	Strong	Exceptional	Strong	Sound	$759Fees	0.141%Below	47
11	SPACE COAST CREDIT UNION Credit UnionDirect	Strong	Strong	Strong	Sound	Strong	$929Fees	0.132%Above	83
12	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Exceptional	Sound	Sound	$1,968Fees	0.146%Below	72
13	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,763Fees	0.361%Above	230
14	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,527Fees	0.188%Below	175
15	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$4,260Fees	0.571%Above	288
16	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,748Fees	0.414%Above	213
17	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,982Fees	0.528%Above	213
18	Citizens Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$1,933Fees	0.162%Below	45
19	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,680Fees	0.317%Above	336
20	Regions Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,819Fees	0.151%Above	231
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$5,155Fees	0.447%Above	136
22	First Horizon Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,529Fees	0.164%Above	83
23	City National Bank of Florida BankDirect	Strong	Exceptional	Sound	Sound	Strong	$1,977Fees	0.341%Below	108
24	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,688Fees	0.229%Above	103
25	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$3,526Fees	0.539%Above	277
26	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$5,032Fees	0.575%Above	180
27	Plains Commerce Bank BankWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$4,250Fees	0.494%Above	137
28	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$3,028Fees	0.298%Above	47
29	Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Exceptional	$3,991Fees	0.660%Above	762
30	NFM, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$2,285Fees	0.305%Below	164
31	TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$3,061Fees	0.376%Above	45
32	Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,533Fees	0.614%Above	79
33	PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	Sound	$4,839Fees	0.480%Above	65
34	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$5,686Fees	0.338%Above	40
35	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,416Fees	0.377%Above	86
36	A&D Mortgage LLC Independent Mortgage CompanyWholesale	Strong	Mediocre*	Strong	Sound	Exceptional	$5,322Fees	0.892%Above	558
37	POINT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	Strong	$5,494Fees	0.582%Above	97
38	TD Bank, National Association BankDirect	Strong	Sound	Strong	Sound	Strong	$733Fees	0.288%Above	74
39	AMWEST FUNDING CORP. Independent Mortgage CompanyWholesale	Strong	—	Strong	Sound	Sound	—	—	56
40	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$4,286Fees	0.463%Above	56
41	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Strong	$3,109Fees	0.237%Above	199
42	PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$4,473Fees	0.707%Above	84
43	EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	Strong	$4,215Fees	0.799%Above	106
44	HIGHLANDS RESIDENTIAL MORTGAGE, LTD. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$4,262Fees	0.349%Above	93
45	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Strong	$3,906Fees	0.244%Above	92
46	FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	Sound	$2,922Fees	0.190%Below	73
47	AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	Sound	$4,120Fees	0.503%Above	54
48	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$3,890Fees	0.448%Above	54
49	EDUCATIONAL FEDERAL CREDIT UNION Credit UnionDirect	Sound	Strong	Acceptable	Acceptable	Strong	$1,548Fees	0.247%Below	65
50	GENEVA FINANCIAL, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Sound	$4,878Fees	0.608%Above	62

❓ Frequently Asked Questions

How are mortgage lenders ranked in Miami?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Miami), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Miami?+

Based on 2024 HMDA data, 163 lenders originated a combined 17,885 loans in Miami. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Miami?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Miami is 0.38%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Miami's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.