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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Miami
Updated February 5, 2026
Market Overview
163
Total Lenders
17,885
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $1,105 | -0.288% | 103 | |
2 | FIRSTBANK PUERTO RICO | Exceptional | Strong | Exceptional | Strong | $1,564 | +0.002% | 99 | |
3 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $508 | -0.491% | 73 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,984 | +0.441% | 4,195 | |
5 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,386 | -0.228% | 159 | |
6 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $539 | -0.653% | 79 | |
7 | FBC MORTGAGE, LLC | Strong | Strong | Exceptional | Sound | $2,922 | -0.190% | 73 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,968 | -0.146% | 72 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $3,047 | +0.177% | 724 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,527 | -0.188% | 175 | |
11 | City National Bank of Florida | Strong | Strong | Sound | Strong | $1,977 | -0.341% | 108 | |
12 | SPACE COAST CREDIT UNION | Strong | Strong | Sound | Strong | $929 | +0.132% | 83 | |
13 | Truist Bank | Strong | Strong | Strong | Sound | $1,720 | +0.111% | 79 | |
14 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $759 | -0.141% | 47 | |
15 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $1,933 | -0.162% | 45 | |
16 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Acceptable | Sound | $228 | -0.154% | 42 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $5,015 | +0.282% | 1,490 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,680 | +0.317% | 336 | |
19 | Regions Bank | Strong | Sound | Strong | Strong | $3,819 | +0.151% | 231 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,763 | +0.361% | 230 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,109 | +0.237% | 199 | |
22 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,688 | +0.229% | 103 | |
23 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $5,494 | +0.582% | 97 | |
24 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,529 | +0.164% | 83 | |
25 | EDUCATIONAL FEDERAL CREDIT UNION | Strong | Strong | Acceptable | Strong | $1,548 | -0.247% | 65 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $3,028 | +0.298% | 47 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Exceptional | $3,991 | +0.660% | 762 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,748 | +0.414% | 213 | |
29 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $2,285 | -0.305% | 164 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $5,155 | +0.447% | 136 | |
31 | TD Bank, National Association | Strong | Sound | Sound | Strong | $733 | +0.288% | 74 | |
32 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $4,260 | +0.571% | 288 | |
33 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,982 | +0.528% | 213 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $5,032 | +0.575% | 180 | |
35 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $4,250 | +0.494% | 137 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,906 | +0.244% | 92 | |
37 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $5,927 | +0.517% | 91 | |
38 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,416 | +0.377% | 86 | |
39 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,533 | +0.614% | 79 | |
40 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $5,686 | +0.338% | 40 | |
41 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,526 | +0.539% | 277 | |
42 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $4,097 | +0.820% | 77 | |
43 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $4,839 | +0.480% | 65 | |
44 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $3,763 | +0.222% | 58 | |
45 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $4,286 | +0.463% | 56 | |
46 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $4,120 | +0.503% | 54 | |
47 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Sound | Acceptable | Strong | Sound | $2,718 | +0.606% | 45 | |
48 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $3,061 | +0.376% | 45 | |
49 | CAPITAL PARTNERS MORTGAGE SERVICES LLC. | Sound | Acceptable | Sound | Strong | $3,611 | +0.493% | 43 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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.
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