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Mortgage Lenders and Brokers in Miami Beach, Florida

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Miami Beach, Florida mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA504 Washington Ave, Miami Beach, FL 33139A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA401 Lincoln Rd, Miami Beach, FL 33139A+5.0 ★Texas Ratio: 4.14%, City National Bank of FloridaCity National Bank of Florida446 Collins Ave, Miami Beach, FL 33139A5.0 ★Texas Ratio: 7.12%, Citibank, NACitibank, NA1824 Alton Rd, Miami Beach, FL 33139A+5.0 ★Texas Ratio: 2.82%, Citizens Bank, NACitizens Bank, NA301 Arthur Godfrey Rd, Miami Beach, FL 33140A+5.0 ★Texas Ratio: 5.44%, Wells Fargo Bank NAWells Fargo Bank NA1901 Alton Rd, Miami Beach, FL 33139A+5.0 ★Texas Ratio: 5.36%, First Horizon BankFirst Horizon Bank400 Arthur Godfrey Rd, Miami Beach, FL 33140A+5.0 ★Texas Ratio: 5.76%, TD BankTD Bank500 Collins Ave, Miami Beach, FL 33139A+5.0 ★Texas Ratio: 3.71%, Flagstar Bank NAFlagstar Bank NA447 Arthur Godfrey Rd, Miami Beach, FL 33140D3.3 ★Texas Ratio: 35.11%, and Regions BankRegions Bank780 Arthur Godfrey Rd, Miami Beach, FL 33140A+5.0 ★Texas Ratio: 4.37%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Miami Beach, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Miami Beach are listed first, then lenders elsewhere in Florida, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Miami Beach, Florida

Market share is the lender's share of all home loans closed in Miami Beach, Florida. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
JPMorgan Chase Bank, NA 4 offices in Miami Beach 504 Washington Ave, Miami Beach, FL 33139 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	35 +4 HELOCs	4.8%	64.9%	$2,042,428	View
Bank of America NA 5 offices in Miami Beach 401 Lincoln Rd, Miami Beach, FL 33139 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	27 +12 HELOCs	3.7%	72.5%	$5,299,444	View
City National Bank of Florida 3 offices in Miami Beach 446 Collins Ave, Miami Beach, FL 33139 A5.0 ★Texas Ratio: 7.12%	Conventional, Jumbo	16	2.2%	76.2%	$2,566,250	View
Citibank, NA 4 offices in Miami Beach 1824 Alton Rd, Miami Beach, FL 33139 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	11 +2 HELOCs	1.5%	78.6%	$3,268,636	View
Citizens Bank, NA 1 office in Miami Beach 301 Arthur Godfrey Rd, Miami Beach, FL 33140 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	10 +20 HELOCs	1.4%	83.3%	$3,079,000	View
Wells Fargo Bank NA 3 offices in Miami Beach 1901 Alton Rd, Miami Beach, FL 33139 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	8	1.1%	44.4%	$1,986,250	View
First Horizon Bank ★ 5 stars, 1 review 2 offices in Miami Beach 400 Arthur Godfrey Rd, Miami Beach, FL 33140 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	6 +2 HELOCs	0.8%	60%	$1,165,000	View
TD Bank 3 offices in Miami Beach 500 Collins Ave, Miami Beach, FL 33139 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	5 +14 HELOCs	0.7%	35.7%	$2,473,000	View
Flagstar Bank NA 1 office in Miami Beach 447 Arthur Godfrey Rd, Miami Beach, FL 33140 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo	3	0.4%	60%	$2,665,000	View
Regions Bank 2 offices in Miami Beach 780 Arthur Godfrey Rd, Miami Beach, FL 33140 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	2 +4 HELOCs	0.3%	20%	$215,000	View
Ocean Bank 1 office in Miami Beach 501 W 41st St, Miami Beach, FL 33140 A+5.0 ★Texas Ratio: 3.23%	Conventional, Jumbo	1	0.1%	100%	$905,000	View
Popular Bank 1 office in Miami Beach 7306 Collins Ave, Miami Beach, FL 33141 A+5.0 ★Texas Ratio: 2.12%	Conventional, Jumbo	1	0.1%	33.3%	$1,925,000	View
Amerant Bank, N.A. 1 office in Miami Beach 427 W 41st St, Miami Beach, FL 33140 B+4.7 ★Texas Ratio: 18.65%	HELOC	0 +8 HELOCs	0%	n/a		View
Truist Bank ★ 1 stars, 1 review 3 offices in Miami Beach 1045 5th St, Miami Beach, FL 33139 A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +2 HELOCs	0%	n/a		View
Foundation Mortgage Corporation	Conventional, Jumbo	2	0.3%	80%	$1,455,000
Firstbank 2990 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.76%	Conventional	10	1.4%	100%	$355,000	View
Intercredit Bank, N.A. 1430 S Dixie Hwy Ste 104, Coral Gables, FL 33146	Conventional, Jumbo	8	1.1%	72.7%	$1,706,250
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	6 +2 HELOCs	0.8%	54.5%	$1,118,333	View
Helm Bank USA 999 Brickell Ave, Miami, FL 33131 A5.0 ★Texas Ratio: 10.01%	Conventional, Jumbo	6	0.8%	100%	$718,333	View
Raymond James Bank 710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	5	0.7%	100%	$1,005,000	View
Hsbc Bank USA, NA 2950 Aventura Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo, HELOC	4 +2 HELOCs	0.5%	57.1%	$7,652,500	View
CIBC Bank USA 340 Royal Palm Way, Palm Beach, FL 33480 A+5.0 ★Texas Ratio: 5.05%	Conventional, Jumbo	3	0.4%	100%	$2,511,666	View
Ithink Financial Credit Union 790 Park of Commerce Blvd, Boca Raton, FL 33487 A+5.0 ★Texas Ratio: 5.06%	Conventional, Jumbo	3	0.4%	80%	$1,981,666	View
Valley National Bank 19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo	3	0.4%	75%	$1,348,333	View
Space Coast Credit Union 20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	2 +16 HELOCs	0.3%	33.3%	$110,000	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	2 +6 HELOCs	0.3%	40%	$230,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	2 +4 HELOCs	0.3%	100%	$2,895,000	View
Power Financial Credit Union 14854 S Military Trl, Delray Beach, FL 33484 8153 A-4.9 ★Texas Ratio: 16.71%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.3%	100%	$605,000	View
City National Bank 801 Brickell Ave, Miami, FL 33131 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.3%	100%	$3,445,000	View
Terrabank N.A. 1533 Sunset Dr, Coral Gables, FL 33143 A+5.0 ★Texas Ratio: 0.83%	Conventional	2	0.3%	100%	$380,000	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	2	0.3%	100%	$1,315,000	View
U.S. Century Bank 18201 Biscayne Blvd, Aventura, FL 33160 A+5.0 ★Texas Ratio: 0.81%	Conventional, Jumbo	2	0.3%	100%	$785,000	View
The Northern Trust Co 3100 N Military Trl, Boca Raton, FL 33431 A4.7 ★Texas Ratio: 0.83%	Conventional, Jumbo	2	0.3%	100%	$1,850,000	View
Republic Bank & Trust 12933 Walsingham Rd, Largo, FL 33774 A+5.0 ★Texas Ratio: 2.91%	Conventional	2	0.3%	100%	$305,000	View
United Community Bank 601 South Federal Highway, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$395,000	View
BMO Harris Bank NA 5461 N Us Highway 41, Apollo Beach, FL 33572 A+5.0 ★Texas Ratio: 3.54%	Conventional, HELOC	1 +1 HELOCs	0.1%	25%	$245,000	View
Bny Mellon, N.A. 350 E Las Olas Blvd Ste 1400, Fort Lauderdale, FL 33301 A+5.0 ★Texas Ratio: 0.37%	Conventional, Jumbo	1	0.1%	50%	$3,405,000	View
Radifi Federal Credit Union 801 Atlantic Blvd, Atlantic Beach, FL 32233	Conventional, Jumbo	1	0.1%	100%	$1,525,000
Huntington National Bank 8889 Pelican Bay Blvd, Naples, FL 34108 A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	1	0.1%	100%	$1,615,000	View
Emigrant Bank 201 S Biscayne Blvd, Miami, FL 33131 A-4.9 ★Texas Ratio: 16.32%	Conventional, Jumbo	1	0.1%	100%	$3,005,000	View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	Conventional	1	0.1%	100%	$335,000	View
Fifth Third Bank, National Association 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo	1	0.1%	50%	$1,975,000	View
Banesco USA 2950 Ne 207th St, Aventura, FL 33180 A+5.0 ★Texas Ratio: 3.01%	Conventional, Jumbo	1	0.1%	100%	$1,355,000	View
Bradesco Bank 3011 Ponce De Leon Boulevard Ph1, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 1.32%	Conventional	1	0.1%	100%	$215,000	View
First American Bank 540 Biltmore Way, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +4 HELOCs	0%	n/a		View
Southstate Bank, National Association ★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27%	HELOC	0 +2 HELOCs	0%	n/a		View
BrightStar Credit Union 600 SE 3rd Ave, Fort Lauderdale, FL 33301 A+5.0 ★Texas Ratio: 4.57%	HELOC	0 +2 HELOCs	0%	n/a		View
Partners Federal Credit Union 5555 N Center Drive, Lake Buena Vista, FL 32830 A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +1 HELOCs	0%	0%		View
Dade County Federal Credit Union 20295 S Dixie Hwy, Cutler Bay, FL 33189 1207 A+5.0 ★Texas Ratio: 1.61%	HELOC	0 +1 HELOCs	0%	n/a		View
We Florida Financial 634 NE 3rd Ave, Fort Lauderdale, FL 33304 A+5.0 ★Texas Ratio: 3.51%	HELOC	0 +1 HELOCs	0%	n/a		View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	49	6.7%	86.2%	$666,428	View
Reliable Holdings Manager dba Lendz Financial	Conventional, Jumbo	10	1.4%	76.9%	$646,000
Nqm Funding, LLC	Conventional, Jumbo	4	0.5%	71.4%	$1,795,000
Lakeview Loan Servicing, LLC	Conventional	2	0.3%	28.6%	$305,000
Milo Credit, LLC	Conventional, Jumbo	2	0.3%	100%	$850,000
First Equity Mortgage Bankers Inc.	Conventional	2	0.3%	66.7%	$270,000
Consumer Real Estate Finance Co DBA Society Mortgage	Conventional	1	0.1%	50%	$435,000
Freedom Mortgage Corporation	FHA	1	0.1%	100%	$705,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$235,000
Mortgage Bank of California	Conventional	1	0.1%	100%	$255,000
Ready Mortgage Lenders, LLC	Conventional	1	0.1%	100%	$655,000
DG Pinnacle Funding, LLC	Conventional	1	0.1%	100%	$175,000
Builders Choice Mortgage LLC	Conventional, Jumbo	1	0.1%	100%	$1,845,000
Community First Credit Union of FLorida A+5.0 ★Texas Ratio: 3.41%	Conventional	1	0.1%	100%	$205,000	View
Home Financing Center, Inc.	Conventional, Jumbo	1	0.1%	100%	$1,555,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	61 +4 HELOCs	8.3%	68.5%	$525,163
Rocket Mortgage	Conventional	36	4.9%	41.9%	$320,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	22	3%	80%	$3,555,454	View
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo, HELOC	20 +2 HELOCs	2.7%	100%	$514,500
CrossCountry Mortgage, LLC	Conventional, Jumbo, HELOC	20 +1 HELOCs	2.7%	80%	$854,500
Cornerstone First Mortgage, LLC	Conventional, FHA, Jumbo	12	1.6%	85.7%	$522,500
Deephaven Mortgage LLC	Conventional, Jumbo	12	1.6%	70.6%	$445,833
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, Jumbo, HELOC	10 +3 HELOCs	1.4%	75%	$698,000	View
Pennymac Loan Services LLC	Conventional, Jumbo	10	1.4%	62.5%	$466,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	10	1.4%	76.9%	$3,107,000	View
The Loan Store, Inc	Conventional, Jumbo, HELOC	8 +7 HELOCs	1.1%	100%	$1,267,500
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	7	1%	77.8%	$1,770,714	View
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, VA	7	1%	33.3%	$309,285	View
Logan Finance Corporation	Conventional, Jumbo	7	1%	87.5%	$1,083,571
Citadel Servicing Corporation	Conventional, Jumbo	7	1%	100%	$1,766,428
Ark-La-Tex Financial Services LLC	Conventional, FHA	7	1%	100%	$253,571
Champions Funding, LLC	Conventional, Jumbo	6	0.8%	60%	$1,226,666
AmWest Funding Corp	Conventional, HELOC	5 +2 HELOCs	0.7%	100%	$257,000
Hometown Equity Mortgage, LLC	Conventional	5	0.7%	33.3%	$365,000
Fairway Independent Mort Corp	Conventional, VA, Jumbo	5	0.7%	85.7%	$583,000
loanDepot.com LLC	Conventional, HELOC	4 +1 HELOCs	0.5%	57.1%	$165,000
Guaranteed Rate Affinity, LLC	Conventional	4	0.5%	71.4%	$332,500
Fundloans Capital	Conventional, Jumbo	4	0.5%	80%	$1,255,000
Gold Star Mortgage Financial Group, Corporation	Conventional	4	0.5%	100%	$352,500
Guild Mortgage Company	Conventional	4	0.5%	100%	$307,500
Interaudi Bank	Conventional, Jumbo	4	0.5%	100%	$787,500
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	4	0.5%	100%	$1,672,500	View
ClearEdge Lending LLC	Conventional, Jumbo	4	0.5%	66.7%	$1,265,000
Paramount Residential Mortgage	Conventional	4	0.5%	80%	$560,000
Guaranteed Rate, Inc.	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.4%	75%	$925,000
New American Funding, LLC.	Conventional, HELOC	3 +1 HELOCs	0.4%	100%	$431,666
Arc Home LLC	Conventional, Jumbo	3	0.4%	100%	$1,431,666
Sage Home Loans Corporation	Conventional	3	0.4%	100%	$375,000
Kwik Mortgage Corporation	Conventional	3	0.4%	100%	$261,666
Ameritrust Mortgage Corporation	Conventional, Jumbo	3	0.4%	100%	$1,328,333
Nfm, Inc	Conventional, Jumbo	3	0.4%	100%	$625,000
Ark Mortgage, Inc.	Conventional, Jumbo	3	0.4%	100%	$1,411,666
Mortgage Research Center	VA	3	0.4%	42.9%	$451,666
FM Home Loans LLC	Conventional, Jumbo	3	0.4%	100%	$1,511,666
Nexera Holding LLC	Conventional, Jumbo	3	0.4%	100%	$1,408,333
Plaza Home Mortgage, Inc	Conventional, FHA, Jumbo	3	0.4%	80%	$481,666
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.3%	100%	$1,530,000	View
Better Mortgage Corporation	Conventional, HELOC	2 +1 HELOCs	0.3%	66.7%	$485,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	2	0.3%	100%	$3,090,000	View
Everett Financial, Inc.	Conventional	2	0.3%	66.7%	$210,000
All Credit Considered Mortgage, Inc.	Conventional, Jumbo	2	0.3%	100%	$840,000
Movement Mortgage, LLC	Conventional	2	0.3%	100%	$385,000
Hightechlending, Inc	Conventional, Jumbo	2	0.3%	100%	$795,000
East Coast Capital Corp.	Conventional, Jumbo	2	0.3%	100%	$835,000
American Heritage Lending, LLC	Conventional, Jumbo	2	0.3%	75%	$1,145,000
Greenbox Loans	Conventional, Jumbo	2	0.3%	100%	$965,000
Sierra Pacific Mortgage Co. Inc	Conventional	2	0.3%	66.7%	$175,000
Nationstar Mortgage	Conventional	2	0.3%	100%	$330,000
Radius Financial Group Inc	Conventional	2	0.3%	100%	$260,000
Summit Funding.Inc	Conventional	2	0.3%	100%	$375,000
Deutsche Bank Trust Company Americas A+5.0 ★Texas Ratio: 1.44%	Conventional, Jumbo	2	0.3%	100%	$1,920,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	2	0.3%	50%	$255,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.3%	100%	$495,000	View
Luxury Mortgage Corp.	Conventional, Jumbo	2	0.3%	100%	$1,170,000
Spring Eq, LLC	Conventional, HELOC	1 +5 HELOCs	0.1%	33.3%	$155,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, HELOC	1 +3 HELOCs	0.1%	25%	$605,000
Fourleaf Federal Credit Union	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.1%	100%	$1,985,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	50%	$4,005,000	View
American Airlines Federal Cred	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$355,000
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,645,000	View
Studio Bank A5.0 ★Texas Ratio: 11.28%	Conventional, Jumbo	1	0.1%	100%	$3,005,000	View
Originpoint, LLC	Conventional, Jumbo	1	0.1%	100%	$1,915,000
First Community Mortgage, Inc.	Conventional	1	0.1%	50%	$505,000
North Shore Bank of Commerce A+5.0 ★Texas Ratio: 1.35%	Conventional	1	0.1%	100%	$465,000	View
Go Mortgage, LLC	Conventional	1	0.1%	100%	$245,000
MortgageOne, Inc	Conventional, Jumbo	1	0.1%	100%	$2,765,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$285,000
Kind Lending, LLC	Conventional	1	0.1%	50%	$625,000
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$645,000
5Th Sreet Capital Inc.	Conventional, Jumbo	1	0.1%	100%	$2,255,000
Oaktree Funding Corp	Conventional, Jumbo	1	0.1%	100%	$2,705,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0.1%	50%	$205,000
Emporium Tpo LLC	Conventional, Jumbo	1	0.1%	100%	$2,245,000
American Financial Network, Inc.	Conventional, Jumbo	1	0.1%	33.3%	$1,685,000
MainStreet Bank B-4.4 ★Texas Ratio: 22.15%	Conventional, Jumbo	1	0.1%	100%	$3,565,000	View
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	1	0.1%	25%	$345,000	View
HomeXpress Mortgage Corp.	Conventional	1	0.1%	25%	$275,000
Berkshire Bank A-5.0 ★Texas Ratio: 14.36%	Conventional, Jumbo	1	0.1%	100%	$1,665,000	View
Discover Bank	Conventional	1	0.1%	6.7%	$115,000
First Savings Mortgage Corporation	Conventional	1	0.1%	100%	$215,000
Wall Street Mortgage Bankers, Ltd. dba Power Expre	Conventional, Jumbo	1	0.1%	100%	$715,000
Flexpoint, Inc.	Conventional, Jumbo	1	0.1%	100%	$5,005,000
Network Capital Funding Corporation	Conventional	1	0.1%	50%	$305,000
Associated Mortgage Bankers Inc.	Conventional, Jumbo	1	0.1%	50%	$1,165,000
First Colony Mortgage Corporat	Conventional	1	0.1%	75%	$455,000
Highlands Residential Mortgage, Ltd.	Conventional	1	0.1%	100%	$245,000
Cardinal Financial Company, Li	Conventional	1	0.1%	60%	$305,000
Congressional Federal Credit Union	Conventional	1	0.1%	100%	$255,000
My Mortgage, Inc	Conventional	1	0.1%	100%	$425,000
Minnwest Bank A+5.0 ★Texas Ratio: 5.77%	Conventional, Jumbo	1	0.1%	100%	$1,065,000	View
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$555,000	View
Axos Bank A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	1	0.1%	50%	$4,735,000	View
1st Financial, Inc.	Conventional	1	0.1%	100%	$295,000
Embrace Home Loans, Inc.	Conventional	1	0.1%	66.7%	$245,000
T2 Financial LLC	Conventional	1	0.1%	100%	$555,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$175,000
Affinity Federal Credit Union	Conventional	1	0.1%	100%	$605,000
Union Savings Bank	Conventional, Jumbo	1	0.1%	100%	$1,895,000
Milend, Inc	Conventional	1	0.1%	100%	$175,000
Victorian Finance, LLC	Conventional	1	0.1%	100%	$105,000
First Carolina Bank A+5.0 ★Texas Ratio: 4.89%	Conventional, Jumbo	1	0.1%	100%	$3,445,000	View
Community Bank A+5.0 ★Texas Ratio: 0.00%	Conventional, Jumbo	1	0.1%	100%	$885,000	View
Pike Creek Mortgage Services, Inc.	Conventional	1	0.1%	100%	$505,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	33.3%	$315,000	View
Nations Direct Mortgage, LLC	Conventional, Jumbo	1	0.1%	100%	$605,000
Zillow Home Loans, LLC	Conventional	1	0.1%	50%	$245,000
Prosperity Home Mortgage, LLC	Conventional	1	0.1%	100%	$235,000
Provident Bank A+5.0 ★Texas Ratio: 3.46%	Conventional, Jumbo	1	0.1%	100%	$985,000	View
Carter Federal Credit Union	Conventional	1	0.1%	100%	$245,000
Vista Bank A+5.0 ★Texas Ratio: 4.72%	Conventional, Jumbo	1	0.1%	100%	$11,235,000	View
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional	1	0.1%	33.3%	$245,000	View
Meadowbrook Financial Mortgage Bankers Corp.	Conventional	1	0.1%	100%	$275,000
Mld Mortgage, Inc.Dba the Money Store	Conventional, Jumbo	1	0.1%	100%	$915,000
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, Jumbo	1	0.1%	40%	$2,505,000	View
Geneva Financial LLC	Conventional	1	0.1%	50%	$115,000
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$635,000	View
Leaderone Financial Corp.	Conventional	1	0.1%	50%	$805,000
Cake Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$935,000
Figure Lending LLC	HELOC	0 +9 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +8 HELOCs	0%	n/a
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +3 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Coastal Community Bank	HELOC	0 +2 HELOCs	0%	n/a
Genisys Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	0%
Bank Fund Staff Federal Credit	HELOC	0 +1 HELOCs	0%	n/a
Bank Ozk	HELOC	0 +1 HELOCs	0%	n/a
Longbridge Financial, LLC	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Miami Beach Mortgage Rate Trends

Daily average mortgage rates for Florida compared with the national average, updated every evening.

30-Year Fixed FL Avg

7.306%

▲ 0.071 vs 7 days ago

15-Year Fixed FL Avg

6.730%

▲ 0.011 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Miami Beach, Florida

Looking for mortgage lenders near me or mortgage brokers near me in Miami Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Miami Beach in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Miami Beach, FL

Use these to narrow the list above. Each category shows how many Miami Beach, FL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 109 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 69 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 21 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 5 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 4 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 100 lenders. Loans above the conforming limit for higher priced homes Local lenders based in FL 37 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Miami Beach, FL

Independent mortgage companies closed 61.6 percent of home loans in Miami Beach, Florida in 2025, banks 36.2 percent and credit unions 2.2 percent. Foundation Mortgage Corporation was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Ithink Financial Credit Union the largest credit union. Among lenders headquartered in Florida, City National Bank of Florida led with 16 loans.

61.6%

Mortgage companies

36.2%

Banks

2.2%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Florida. Documentary stamp tax of $0.70 per $100 on deeds (0.70 percent; $0.60 in Miami-Dade for single family homes), plus $0.35 per $100 on the note (0.35 percent) and a nonrecurring intangible tax of 2 mills ($0.002 per dollar) on the mortgage amount.

More Florida Mortgage Lender Pages

All Florida lenders 1,647 lenders Jacksonville 444 lenders Port St. Lucie 359 lenders Cape Coral 422 lenders Tampa 363 lenders Lehigh Acres 298 lenders Orlando 345 lenders St. Cloud 266 lenders St. Petersburg 346 lenders Palm Bay 258 lenders Spring Hill 261 lenders Tallahassee 233 lenders Lakewood Ranch 319 lenders

Frequently Asked Questions About Mortgage Lenders in Miami Beach, FL

Who is the largest mortgage lender in Miami Beach, FL?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Miami Beach, Florida with 35 loans, about 4.8 percent of the market. The largest lender headquartered in Florida was City National Bank of Florida with 16 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Miami Beach, FL have the highest approval rates?

Among lenders with meaningful volume in Miami Beach, Florida, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 68.5 percent, against a 69.3 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Miami Beach, FL mortgage lenders offer FHA, VA and USDA loans?

5 lenders closed FHA loans in Miami Beach, Florida in 2025, led by Freedom Mortgage Corporation with 1. 4 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Miami Beach, FL lender list?

Yes. 69 banks and 21 credit unions closed home loans in Miami Beach, Florida in 2025, alongside 109 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Miami Beach, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Miami Beach, Florida during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Miami Beach, Florida for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Miami Beach. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.