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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 Company Lenders in Miami
Updated February 5, 2026
Market Overview
50
Total Lenders
14,643
Total Loans
0.55%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,984 | +0.441% | 4,195 | |
2 | FBC MORTGAGE, LLC | Strong | Strong | Exceptional | Sound | $2,922 | -0.190% | 73 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,968 | -0.146% | 72 | |
4 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Acceptable | Sound | $228 | -0.154% | 42 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $5,015 | +0.282% | 1,490 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,680 | +0.317% | 336 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,763 | +0.361% | 230 | |
8 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,109 | +0.237% | 199 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,688 | +0.229% | 103 | |
10 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $5,494 | +0.582% | 97 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $3,028 | +0.298% | 47 | |
12 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Exceptional | $3,991 | +0.660% | 762 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,748 | +0.414% | 213 | |
14 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $2,285 | -0.305% | 164 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $5,155 | +0.447% | 136 | |
16 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,982 | +0.528% | 213 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $5,032 | +0.575% | 180 | |
18 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,906 | +0.244% | 92 | |
19 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $5,927 | +0.517% | 91 | |
20 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,416 | +0.377% | 86 | |
21 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,533 | +0.614% | 79 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $5,686 | +0.338% | 40 | |
23 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,526 | +0.539% | 277 | |
24 | MY MORTGAGE, INC. | Sound | Mediocre | Strong | Exceptional | $4,613 | +0.951% | 240 | |
25 | RIGHT START MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | $6,032 | +1.181% | 125 | |
26 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $4,215 | +0.799% | 106 | |
27 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $4,097 | +0.820% | 77 | |
28 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $4,839 | +0.480% | 65 | |
29 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $3,763 | +0.222% | 58 | |
30 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $4,286 | +0.463% | 56 | |
31 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | $4,120 | +0.503% | 54 | |
32 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Sound | Acceptable | Strong | Sound | $2,718 | +0.606% | 45 | |
33 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $3,061 | +0.376% | 45 | |
34 | CAPITAL PARTNERS MORTGAGE SERVICES LLC. | Sound | Acceptable | Sound | Strong | $3,611 | +0.493% | 43 | |
35 | BELEM SERVICING LLC | Sound | Acceptable | Strong | Sound | $5,546 | +0.528% | 41 | |
36 | A&D Mortgage LLC | Sound | Mediocre | Sound | Exceptional | $5,322 | +0.892% | 558 | |
37 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Strong | $4,262 | +0.349% | 93 | |
38 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $4,473 | +0.707% | 84 | |
39 | NATIONWIDE MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Strong | $3,706 | +1.025% | 75 | |
40 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | $4,878 | +0.608% | 62 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,890 | +0.448% | 54 | |
42 | FIRST EQUITY MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Strong | $5,682 | +0.618% | 54 | |
43 | Hometown Equity Mortgage, LLC | Sound | Acceptable | Sound | Sound | $5,802 | +1.012% | 49 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,443 | +0.431% | 47 | |
45 | AMERICAN BANCSHARES MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | $5,935 | +0.613% | 44 | |
46 | 1ST FINANCIAL, INC. | Sound | Mediocre | Sound | Strong | $6,114 | +0.986% | 132 | |
47 | Citadel Servicing Corporation | Sound | Mediocre | Sound | Strong | -$1,510 | +1.061% | 128 | |
48 | DEEPHAVEN MORTGAGE LLC | Sound | Mediocre | Sound | Strong | $6,591 | +1.231% | 126 | |
49 | ANGEL OAK MORTGAGE SOLUTIONS LLC | Sound | Mediocre | Sound | Strong | $6,269 | +1.142% | 111 |
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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