# Best Jumbo Mortgage Lenders in Miami

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

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

> **Canonical URL:** https://saferate.com/miami/best-mortgage-lenders/jumbo-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 | Wells Fargo Bank, National Association | 89 | 87 | 63 | 175 | Bank |
| 2 | Bank of America, National Association | 89 | 90 | 80 | 159 | Bank |
| 3 | Citibank, National Association | 89 | 95 | 69 | 103 | Bank |
| 4 | GUARANTEED RATE, INC. | 85 | 64 | 62 | 103 | Independent Mortgage Company |
| 5 | FIRSTBANK PUERTO RICO | 85 | 93 | 72 | 99 | Bank |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 4,195 | Independent Mortgage Company |
| 7 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 1,490 | Independent Mortgage Company |
| 8 | JPMorgan Chase Bank, National Association | 83 | 49 | 64 | 724 | Bank |
| 9 | Morgan Stanley Private Bank, National Association | 83 | 96 | 75 | 73 | Bank |
| 10 | U.S. Bank National Association | 83 | 88 | 76 | 47 | Bank |
| 11 | PENNYMAC LOAN SERVICES, LLC | 79 | 55 | 66 | 336 | Independent Mortgage Company |
| 12 | Regions Bank | 79 | 48 | 68 | 231 | Bank |
| 13 | CMG MORTGAGE, INC. | 79 | 40 | 66 | 213 | Independent Mortgage Company |
| 14 | Truist Bank | 79 | 76 | 71 | 79 | Bank |
| 15 | TD Bank, National Association | 79 | 51 | 72 | 74 | Bank |
| 16 | Citizens Bank, National Association | 79 | 68 | 69 | 45 | Bank |
| 17 | NAVY FEDERAL CREDIT UNION | 77 | 95 | 51 | 79 | Credit Union |
| 18 | LOANDEPOT.COM, LLC | 73 | 52 | 59 | 230 | Independent Mortgage Company |
| 19 | THE LOAN STORE, INC. | 71 | 25 | 61 | 213 | Independent Mortgage Company |
| 20 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 40 | 70 | 180 | Independent Mortgage Company |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 30 | 63 | 136 | Independent Mortgage Company |
| 22 | First Horizon Bank | 71 | 36 | 72 | 83 | Bank |
| 23 | NP, INC. | 71 | 20 | 61 | 67 | Independent Mortgage Company |
| 24 | Paramount Residential Mortgage Group, Inc. | 70 | 25 | 48 | 762 | Independent Mortgage Company |
| 25 | City National Bank of Florida | 69 | 42 | 55 | 108 | Bank |
| 26 | GUARANTEED RATE AFFINITY, LLC | 68 | 55 | 57 | 58 | Independent Mortgage Company |
| 27 | NEWREZ LLC | 66 | 23 | 55 | 277 | Independent Mortgage Company |
| 28 | GUILD MORTGAGE COMPANY LLC | 66 | 32 | 66 | 40 | Independent Mortgage Company |
| 29 | Citadel Servicing Corporation | 60 | 5 | 60 | 128 | Independent Mortgage Company |
| 30 | ANGEL OAK MORTGAGE SOLUTIONS LLC | 60 | 9 | 70 | 111 | Independent Mortgage Company |
| 31 | RELIABLE HOLDINGS MANAGER LLC | 60 | 5 | 83 | 70 | Independent Mortgage Company |
| 32 | CLEAREDGE LENDING LLC | 60 | 9 | 69 | 64 | Independent Mortgage Company |
| 33 | A&D Mortgage LLC | 59 | 12 | 51 | 558 | Independent Mortgage Company |
| 34 | Hometown Equity Mortgage, LLC | 58 | 28 | 49 | 49 | Independent Mortgage Company |
| 35 | CARRINGTON MORTGAGE SERVICES, LLC | 58 | 24 | 48 | 47 | Independent Mortgage Company |
| 36 | Flagstar Bank, N.A. | 56 | 17 | 50 | 288 | Bank |
| 37 | DEEPHAVEN MORTGAGE LLC | 56 | 10 | 57 | 126 | Independent Mortgage Company |
| 38 | OCMBC, INC. | 56 | 4 | 55 | 91 | Independent Mortgage Company |
| 39 | NEXERA HOLDING LLC | 56 | 7 | 60 | 85 | Independent Mortgage Company |
| 40 | Logan Finance Corporation | 56 | 15 | 73 | 48 | Independent Mortgage Company |
| 41 | HOMEXPRESS MORTGAGE CORP. | 56 | 3 | 64 | 44 | Independent Mortgage Company |
| 42 | Cornerstone First Mortgage, Inc | 53 | 5 | 51 | 110 | Independent Mortgage Company |
| 43 | FIRST EQUITY MORTGAGE BANKERS, INC. | 53 | 10 | 49 | 54 | Independent Mortgage Company |
| 44 | ARC HOME LLC | 52 | 17 | 55 | 40 | 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.