🛡️

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 Company Lenders in Miami

Updated February 5, 2026

Market Overview

Total Lenders

17,885

Total Loans

0.38%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,968	-0.146%	72
2	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,984	+0.441%	4,195
3	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$5,015	+0.282%	1,490
4	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,763	+0.361%	230
5	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,991	+0.660%	762
6	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,680	+0.317%	336
7	POINT MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	Strong	$5,494	+0.582%	97
8	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$4,839	+0.480%	65
9	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$3,028	+0.298%	47
10	BETTER MORTGAGE CORPORATION	Strong	Exceptional	Strong	Mediocre	Sound	$228	-0.154%	42
11	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,982	+0.528%	213
12	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,748	+0.414%	213
13	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$3,109	+0.237%	199
14	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$5,032	+0.575%	180
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$5,155	+0.447%	136
16	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,688	+0.229%	103
17	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	Strong	Acceptable	Exceptional	Strong	Strong	$4,262	+0.349%	93
18	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,906	+0.244%	92
19	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,416	+0.377%	86
20	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$4,473	+0.707%	84
21	Sierra Pacific Mortgage Company, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,533	+0.614%	79
22	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,526	+0.539%	277
23	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$4,286	+0.463%	56
24	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$4,120	+0.503%	54
25	GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$2,718	+0.606%	45
26	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$3,061	+0.376%	45
27	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$5,686	+0.338%	40
28	NFM, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$2,285	-0.305%	164
29	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$4,215	+0.799%	106
30	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,763	+0.222%	58
31	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,890	+0.448%	54
32	BELEM SERVICING LLC	Strong	Acceptable	Strong	Strong	Sound	$5,546	+0.528%	41
33	A&D Mortgage LLC	Sound	Mediocre	Strong	Sound	Exceptional	$5,322	+0.892%	558
34	RIGHT START MORTGAGE, INC.	Sound	Mediocre	Strong	Strong	Strong	$6,032	+1.181%	125
35	NATIONWIDE MORTGAGE BANKERS, INC.	Sound	Mediocre	Strong	Strong	Strong	$3,706	+1.025%	75
36	FBC MORTGAGE, LLC	Sound	Acceptable	Strong	Sound	Sound	$2,922	-0.190%	73
37	FIRST EQUITY MORTGAGE BANKERS, INC.	Sound	Mediocre	Strong	Strong	Strong	$5,682	+0.618%	54
38	MY MORTGAGE, INC.	Sound	Mediocre	Sound	Sound	Exceptional	$4,613	+0.951%	240
39	Citadel Servicing Corporation	Sound	Mediocre	Strong	Sound	Strong	-$1,510	+1.061%	128
40	ANGEL OAK MORTGAGE SOLUTIONS LLC	Sound	Mediocre	Strong	Sound	Strong	$6,269	+1.142%	111
41	Cornerstone First Mortgage, Inc	Sound	Mediocre	Strong	Sound	Strong	$5,808	+0.828%	110
42	OCMBC, INC.	Sound	Mediocre	Strong	Sound	Strong	$5,927	+0.517%	91
43	NEXERA HOLDING LLC	Sound	Mediocre	Strong	Sound	Strong	$5,554	+0.978%	85
44	NP, INC.	Sound	Mediocre	Strong	Sound	Strong	$2,333	+1.026%	67
45	GENEVA FINANCIAL, LLC	Sound	Mediocre	Strong	Strong	Sound	$4,878	+0.608%	62
46	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Strong	Acceptable	Sound	$4,443	+0.431%	47
47	DEEPHAVEN MORTGAGE LLC	Sound	Mediocre	Strong	Acceptable	Strong	$6,591	+1.231%	126
48	AMERICAN BANCSHARES MORTGAGE, LLC	Sound	Mediocre	Sound	Sound	Strong	$5,935	+0.613%	44
49	CAPITAL PARTNERS MORTGAGE SERVICES LLC.	Sound	Mediocre	Sound	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 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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

MiamiConventional

No credit impact

3-minute process

100% free