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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 FHA Mortgage Company Lenders in Miami
Updated February 5, 2026
Market Overview
50
Total Lenders
17,885
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,984 | +0.441% | 4,195 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,109 | +0.237% | 199 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,922 | -0.190% | 73 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,680 | +0.317% | 336 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $3,028 | +0.298% | 47 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,015 | +0.282% | 1,490 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,763 | +0.361% | 230 | |
8 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,982 | +0.528% | 213 | |
9 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,416 | +0.377% | 86 | |
10 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $3,061 | +0.376% | 45 | |
11 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,991 | +0.660% | 762 | |
12 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,526 | +0.539% | 277 | |
13 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,285 | -0.305% | 164 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,155 | +0.447% | 136 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,748 | +0.414% | 213 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,688 | +0.229% | 103 | |
17 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $5,927 | +0.517% | 91 | |
18 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,533 | +0.614% | 79 | |
19 | AMERICAN BANCSHARES MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | Strong | $5,935 | +0.613% | 44 | |
20 | RIGHT START MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,032 | +1.181% | 125 | |
21 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,215 | +0.799% | 106 | |
22 | POINT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $5,494 | +0.582% | 97 | |
23 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,262 | +0.349% | 93 | |
24 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,097 | +0.820% | 77 | |
25 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,839 | +0.480% | 65 | |
26 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,763 | +0.222% | 58 | |
27 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,286 | +0.463% | 56 | |
28 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,120 | +0.503% | 54 | |
29 | Hometown Equity Mortgage, LLC | Strong | Sound | Strong | Sound | Sound | $5,802 | +1.012% | 49 | |
30 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,718 | +0.606% | 45 | |
31 | CAPITAL PARTNERS MORTGAGE SERVICES LLC. | Strong | Acceptable | Strong | Strong | Strong | $3,611 | +0.493% | 43 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,686 | +0.338% | 40 | |
33 | A&D Mortgage LLC | Strong | Acceptable | Sound | Sound | Exceptional | $5,322 | +0.892% | 558 | |
34 | MY MORTGAGE, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $4,613 | +0.951% | 240 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $5,032 | +0.575% | 180 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,906 | +0.244% | 92 | |
37 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,473 | +0.707% | 84 | |
38 | NATIONWIDE MORTGAGE BANKERS, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,706 | +1.025% | 75 | |
39 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,878 | +0.608% | 62 | |
40 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,443 | +0.431% | 47 | |
41 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | Sound | $5,546 | +0.528% | 41 | |
42 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Strong | Strong | $5,808 | +0.828% | 110 | |
43 | DG PINNACLE FUNDING LLC | Sound | Mediocre | Strong | Strong | Strong | $4,970 | +0.712% | 96 | |
44 | BANKING MORTGAGE SERVICES, B.M.S. CORP. | Sound | Mediocre | Sound | Exceptional | Strong | $7,279 | +0.761% | 82 | |
45 | FIRST EQUITY MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Strong | Strong | $5,682 | +0.618% | 54 | |
46 | 1ST FINANCIAL, INC. | Sound | Mediocre | Strong | Sound | Strong | $6,114 | +0.986% | 132 | |
47 | READY MORTGAGE LENDERS, LLC | Sound | Mediocre | Strong | Sound | Strong | $6,718 | +0.900% | 71 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,890 | +0.448% | 54 | |
49 | ARC HOME LLC | Sound | Mediocre | Sound | Sound | Sound | $5,728 | +1.039% | 40 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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