# Best FHA Mortgage Lenders in Miami

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

Compare the top FHA mortgage lenders in Miami. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 4,195 | Independent Mortgage Company |
| 2 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 199 | Independent Mortgage Company |
| 3 | City National Bank of Florida | 85 | 82 | 72 | 108 | Bank |
| 4 | FBC MORTGAGE, LLC | 83 | 77 | 82 | 73 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 1,490 | Independent Mortgage Company |
| 6 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 336 | Independent Mortgage Company |
| 7 | Flagstar Bank, N.A. | 79 | 58 | 71 | 288 | Bank |
| 8 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 230 | Independent Mortgage Company |
| 9 | THE LOAN STORE, INC. | 79 | 49 | 72 | 213 | Independent Mortgage Company |
| 10 | Plains Commerce Bank | 79 | 47 | 66 | 137 | Bank |
| 11 | KIND LENDING, LLC | 79 | 55 | 71 | 86 | Independent Mortgage Company |
| 12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 61 | 79 | 47 | Independent Mortgage Company |
| 13 | TOWNE MORTGAGE COMPANY | 77 | 46 | 82 | 45 | Independent Mortgage Company |
| 14 | Paramount Residential Mortgage Group, Inc. | 75 | 33 | 72 | 762 | Independent Mortgage Company |
| 15 | NFM, INC. | 75 | 40 | 83 | 164 | Independent Mortgage Company |
| 16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 136 | Independent Mortgage Company |
| 17 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 724 | Bank |
| 18 | NEWREZ LLC | 73 | 52 | 56 | 277 | Independent Mortgage Company |
| 19 | Regions Bank | 73 | 60 | 59 | 231 | Bank |
| 20 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 213 | Independent Mortgage Company |
| 21 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 103 | Independent Mortgage Company |
| 22 | OCMBC, INC. | 71 | 39 | 72 | 91 | Independent Mortgage Company |
| 23 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 75 | 79 | Independent Mortgage Company |
| 24 | AMERICAN BANCSHARES MORTGAGE, LLC | 71 | 22 | 81 | 44 | Independent Mortgage Company |
| 25 | POINT MORTGAGE CORPORATION | 67 | 32 | 72 | 97 | Independent Mortgage Company |
| 26 | CAPITAL PARTNERS MORTGAGE SERVICES LLC. | 67 | 34 | 72 | 43 | Independent Mortgage Company |
| 27 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 77 | Independent Mortgage Company |
| 28 | PLAZA HOME MORTGAGE, INC. | 66 | 30 | 65 | 65 | Independent Mortgage Company |
| 29 | GUARANTEED RATE AFFINITY, LLC | 66 | 33 | 63 | 58 | Independent Mortgage Company |
| 30 | LOWER, LLC | 66 | 29 | 66 | 56 | Independent Mortgage Company |
| 31 | AMERICAN FINANCIAL NETWORK, INC. | 66 | 25 | 69 | 54 | Independent Mortgage Company |
| 32 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 66 | 28 | 66 | 45 | Independent Mortgage Company |
| 33 | GUILD MORTGAGE COMPANY LLC | 66 | 29 | 80 | 40 | Independent Mortgage Company |
| 34 | Hometown Equity Mortgage, LLC | 64 | 54 | 58 | 49 | Independent Mortgage Company |
| 35 | RIGHT START MORTGAGE, INC. | 63 | 7 | 82 | 125 | Independent Mortgage Company |
| 36 | EVERETT FINANCIAL, INC. | 63 | 9 | 80 | 106 | Independent Mortgage Company |
| 37 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 63 | 18 | 81 | 93 | Independent Mortgage Company |
| 38 | BELEM SERVICING LLC | 63 | 25 | 78 | 41 | Independent Mortgage Company |
| 39 | A&D Mortgage LLC | 62 | 21 | 43 | 558 | Independent Mortgage Company |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 47 | Independent Mortgage Company |
| 41 | MY MORTGAGE, INC. | 60 | 9 | 72 | 240 | Independent Mortgage Company |
| 42 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 180 | Independent Mortgage Company |
| 43 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 92 | Independent Mortgage Company |
| 44 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 60 | 9 | 74 | 84 | Independent Mortgage Company |
| 45 | NATIONWIDE MORTGAGE BANKERS, INC. | 60 | 6 | 73 | 75 | Independent Mortgage Company |
| 46 | GENEVA FINANCIAL, LLC | 59 | 10 | 85 | 62 | Independent Mortgage Company |
| 47 | Cornerstone First Mortgage, Inc | 57 | 19 | 64 | 110 | Independent Mortgage Company |
| 48 | DG PINNACLE FUNDING LLC | 57 | 15 | 74 | 96 | Independent Mortgage Company |
| 49 | FIRST EQUITY MORTGAGE BANKERS, INC. | 57 | 12 | 62 | 54 | Independent Mortgage Company |
| 50 | BANKING MORTGAGE SERVICES, B.M.S. CORP. | 56 | 5 | 89 | 82 | 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 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.