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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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Citibank, National Association	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,105	-0.288%	103
2	FIRSTBANK PUERTO RICO	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,564	+0.002%	99
3	Bank of America, National Association	Exceptional	Strong	Exceptional	Strong	Strong	$1,386	-0.228%	159
4	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$539	-0.653%	79
5	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,968	-0.146%	72
6	JPMorgan Chase Bank, National Association	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,047	+0.177%	724
7	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,527	-0.188%	175
8	City National Bank of Florida	Exceptional	Exceptional	Sound	Sound	Strong	$1,977	-0.341%	108
9	Truist Bank	Exceptional	Strong	Exceptional	Strong	Sound	$1,720	+0.111%	79
10	Morgan Stanley Private Bank, National Association	Exceptional	Exceptional	Strong	Sound	Sound	$508	-0.491%	73
11	U.S. Bank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$759	-0.141%	47
12	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,984	+0.441%	4,195
13	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$5,015	+0.282%	1,490
14	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,763	+0.361%	230
15	First Horizon Bank	Strong	Sound	Exceptional	Strong	Strong	$1,529	+0.164%	83
16	SPACE COAST CREDIT UNION	Strong	Strong	Strong	Sound	Strong	$929	+0.132%	83
17	Citizens Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$1,933	-0.162%	45
18	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,991	+0.660%	762
19	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,680	+0.317%	336
20	POINT MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	Strong	$5,494	+0.582%	97
21	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$4,839	+0.480%	65
22	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$3,028	+0.298%	47
23	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$4,260	+0.571%	288
24	Regions Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,819	+0.151%	231
25	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,982	+0.528%	213
26	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,748	+0.414%	213
27	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$3,109	+0.237%	199
28	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$5,032	+0.575%	180
29	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Strong	$4,250	+0.494%	137
30	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$5,155	+0.447%	136
31	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,688	+0.229%	103
32	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Acceptable	Exceptional	Strong	Strong	$4,262	+0.349%	93
33	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,906	+0.244%	92
34	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,416	+0.377%	86
35	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,473	+0.707%	84
36	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,533	+0.614%	79
37	TD Bank, National Association	Strong	Sound	Strong	Sound	Strong	$733	+0.288%	74
38	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,526	+0.539%	277
39	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,286	+0.463%	56
40	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,120	+0.503%	54
41	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,718	+0.606%	45
42	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$3,061	+0.376%	45
43	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$5,686	+0.338%	40
44	NFM, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$2,285	-0.305%	164
45	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$4,215	+0.799%	106
46	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,763	+0.222%	58
47	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,890	+0.448%	54
48	BELEM SERVICING LLC	Strong	Acceptable	Strong	Strong	Sound	$5,546	+0.528%	41
49	RIGHT START MORTGAGE, INC.	Sound	Mediocre	Strong	Strong	Strong	$6,032	+1.181%	125
50	FBC MORTGAGE, LLC	Sound	Acceptable	Strong	Sound	Sound	$2,922	-0.190%	73

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 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.

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