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Mortgage Lenders and Brokers in Miami Gardens, Florida

Content reviewed by

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

Miami Gardens, Florida mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA18255 Nw 57th Avenue, Miami Gardens, FL 33055A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA19500 Nw 27th Ave, Miami Gardens, FL 33056A+5.0 ★Texas Ratio: 5.36%, Regions BankRegions Bank360 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.37%, Truist BankTruist Bank5624 Nw 167th St, Miami Gardens, FL 33014A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.347 Don Shula Dr, Miami Gardens, FL 33056A+5.0 ★Texas Ratio: 4.24%, Educational Federal Credit UnionEducational Federal Credit Union16460 SW 304th St, Homestead, FL 33033 3260A+5.0 ★Texas Ratio: 2.35%, City National Bank of FloridaCity National Bank of Florida2999 Ne 191st St, Aventura, FL 33180A5.0 ★Texas Ratio: 7.12%, Space Coast Credit UnionSpace Coast Credit Union17650 NW 2nd Ave, Miami Gardens, FL 33169 5019A+5.0 ★Texas Ratio: 5.37%, Bank of America NABank of America NA460 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 4.14%, and TD BankTD Bank514 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.71%. 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 Gardens, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Miami Gardens 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 Gardens, Florida

Market share is the lender's share of all home loans closed in Miami Gardens, 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 1 office in Miami Gardens 18255 Nw 57th Avenue, Miami Gardens, FL 33055 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	19	1.8%	66.7%	$262,894	View
Wells Fargo Bank NA 1 office in Miami Gardens 19500 Nw 27th Ave, Miami Gardens, FL 33056 A+5.0 ★Texas Ratio: 5.36%	Conventional	8	0.8%	61.5%	$208,750	View
Regions Bank 1 office in Miami Gardens 360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, HELOC	7 +12 HELOCs	0.7%	38.1%	$225,000	View
Truist Bank ★ 1 stars, 1 review 1 office in Miami Gardens 5624 Nw 167th St, Miami Gardens, FL 33014 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$345,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Miami Gardens 347 Don Shula Dr, Miami Gardens, FL 33056 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +8 HELOCs	0%	0%		View
Educational Federal Credit Union 16460 SW 304th St, Homestead, FL 33033 3260 A+5.0 ★Texas Ratio: 2.35%	Conventional	10	1%	31.2%	$109,000	View
City National Bank of Florida 2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12%	Conventional, FHA	7	0.7%	100%	$317,857	View
Space Coast Credit Union 17650 NW 2nd Ave, Miami Gardens, FL 33169 5019 A+5.0 ★Texas Ratio: 5.37%	Conventional, HELOC	6 +20 HELOCs	0.6%	25%	$158,333	View
Bank of America NA 460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	3 +6 HELOCs	0.3%	50%	$381,666	View
TD Bank 514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71%	Conventional, HELOC	3 +2 HELOCs	0.3%	75%	$228,333	View
M&T Bank 850 Park Shore Drive, Naples, FL 34103 A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.3%	100%	$205,000	View
Firstbank 2990 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.76%	Conventional	3	0.3%	100%	$248,333	View
Tropical Financial Credit Union 8947 W Atlantic Blvd, Coral Springs, FL 33071 A5.0 ★Texas Ratio: 6.93%	Conventional, HELOC	2 +4 HELOCs	0.2%	66.7%	$45,000	View
US Bank, N.A. 9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	1 +2 HELOCs	0.1%	33.3%	$65,000	View
BrightStar Credit Union 600 SE 3rd Ave, Fort Lauderdale, FL 33301 A+5.0 ★Texas Ratio: 4.57%	Conventional, HELOC	1 +2 HELOCs	0.1%	33.3%	$105,000	View
Fifth Third Bank, National Association 254 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	1 +2 HELOCs	0.1%	33.3%	$175,000	View
Amerant Bank, N.A. 3001 Aventura Blvd, Aventura, FL 33180 B+4.7 ★Texas Ratio: 18.65%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$315,000	View
Third Federal Savings and Loan 70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +1 HELOCs	0.1%	33.3%	$45,000	View
Citibank, NA 18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$185,000	View
Flagstar Bank NA 20423 State Road 7, Boca Raton, FL 33498 D3.3 ★Texas Ratio: 35.11%	FHA	1	0.1%	33.3%	$45,000	View
Hsbc Bank USA, NA 2950 Aventura Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 4.86%	Conventional	1	0.1%	100%	$295,000	View
Miami Firefighters Federal Credit Union 1111 NW 7th St, Miami, FL 33136 A+5.0 ★Texas Ratio: 2.26%	Conventional	1	0.1%	100%	$155,000
Gte Federal Credit Union 7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65%	Conventional	1	0.1%	100%	$535,000	View
Republic Bank & Trust 12933 Walsingham Rd, Largo, FL 33774 A+5.0 ★Texas Ratio: 2.91%	FHA	1	0.1%	100%	$425,000	View
First Florida Credit Union 8300 NW 53rd St, Doral, FL 33166 7710 A+5.0 ★Texas Ratio: 3.47%	Conventional	1	0.1%	50%	$85,000	View
Popular Bank 2875 Ne 191st St, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.12%	Conventional	1	0.1%	100%	$485,000	View
Dade County Federal Credit Union 20645 NW 2nd Ave, Miami Gardens, FL 33169 A+5.0 ★Texas Ratio: 1.61%	HELOC	0 +9 HELOCs	0%	0%		View
Citizens Bank, NA 2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +5 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 +4 HELOCs	0%	n/a		View
Suncoast Credit Union 1328 E Oak St, Arcadia, FL 34266 A5.0 ★Texas Ratio: 6.26%	HELOC	0 +2 HELOCs	0%	n/a		View
First Horizon Bank ★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76%	HELOC	0 +1 HELOCs	0%	0%		View
Power Financial Credit Union 14854 S Military Trl, Delray Beach, FL 33484 8153 A-4.9 ★Texas Ratio: 16.71%	HELOC	0 +1 HELOCs	0%	n/a		View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	15	1.5%	75%	$357,000	View
Freedom Mortgage Corporation	Conventional, FHA, VA	15	1.5%	72%	$385,000
Ready Mortgage Lenders, LLC	Conventional, FHA	8	0.8%	88.9%	$426,250
American Bancshares Mortgage, LLC	Conventional, FHA	7	0.7%	100%	$242,142
Reliable Holdings Manager dba Lendz Financial	Conventional	5	0.5%	83.3%	$351,000
PHH Mortgage Corporation	Conventional, FHA, VA	4	0.4%	80%	$350,000
Nqm Funding, LLC	Conventional	4	0.4%	100%	$422,500
Lakeview Loan Servicing, LLC	Conventional, FHA	3	0.3%	42.2%	$225,000
DG Pinnacle Funding, LLC	Conventional, FHA	3	0.3%	100%	$465,000
Acrisure Mortgage, LLC	Conventional, FHA	2	0.2%	100%	$375,000
Obsidian Financial Services	Conventional	2	0.2%	100%	$345,000
Banking Mortgage Svcs.,Bms Corp	Conventional, FHA	2	0.2%	100%	$470,000
First Equity Mortgage Bankers Inc.	Conventional	1	0.1%	100%	$565,000
New Day Financial, LLC.	VA	1	0.1%	33.3%	$305,000
The Mortgage Firm	Conventional	1	0.1%	100%	$285,000
Home Financing Center, Inc.	Conventional	1	0.1%	100%	$585,000
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	217 +7 HELOCs	21%	78.2%	$447,718
Rocket Mortgage	Conventional, FHA, VA	113	10.9%	68.5%	$315,796
Paramount Residential Mortgage	Conventional, FHA	55	5.3%	93.2%	$442,272
The Loan Store, Inc	Conventional, FHA, HELOC	36 +6 HELOCs	3.5%	91.1%	$485,000
loanDepot.com LLC	Conventional, FHA, VA, HELOC	28 +3 HELOCs	2.7%	63.8%	$250,357
My Mortgage, Inc	Conventional, FHA	27	2.6%	96.8%	$526,481
Pennymac Loan Services LLC	Conventional, FHA	23	2.2%	57.1%	$373,695
Nationwide Mortgage Bankers, Inc.	Conventional, FHA	21	2%	100%	$437,380
Newrez LLC A5.0 ★Texas Ratio: 8.10%	Conventional, FHA	17	1.6%	32.7%	$351,470	View
Kind Lending, LLC	Conventional, FHA	17	1.6%	68%	$439,117
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	14 +13 HELOCs	1.4%	50%	$187,857
Click n' Close, Inc.	Conventional, FHA	14	1.4%	100%	$412,142
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, FHA	11	1.1%	61.1%	$385,000	View
Lower, LLC A-4.9 ★Texas Ratio: 16.71%	Conventional, FHA, VA	11	1.1%	91.7%	$409,545	View
CrossCountry Mortgage, LLC	Conventional, FHA, VA	10	1%	90.9%	$391,000
Nationstar Mortgage	Conventional, FHA	10	1%	62.5%	$259,000
Equity Prime Mortgage LLC	FHA, VA	9	0.9%	69.2%	$368,333
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA	9	0.9%	100%	$433,888	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	8	0.8%	66.7%	$295,000	View
Champions Funding, LLC	Conventional	8	0.8%	88.9%	$351,250
Cornerstone First Mortgage, LLC	Conventional, FHA	7	0.7%	70%	$323,571
Point Mortgage Corp	Conventional, FHA, VA	7	0.7%	100%	$475,000
1st Financial, Inc.	Conventional, FHA	7	0.7%	81.8%	$393,571
Plaza Home Mortgage, Inc	Conventional, FHA	7	0.7%	46.7%	$302,142
American Financial Network, Inc.	Conventional, FHA, VA	6	0.6%	85.7%	$386,666
New American Funding, LLC.	Conventional, FHA	6	0.6%	75%	$421,666
Carrington Mortgage Services LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA	6	0.6%	23.5%	$210,000	View
Deephaven Mortgage LLC	Conventional	5	0.5%	71.4%	$255,000
Sun West Mortgage Company, Inc	Conventional, FHA	5	0.5%	88.9%	$417,000
Right Start Mortgage, Inc	Conventional, FHA	5	0.5%	71.4%	$511,000
Village Capital & Investment	FHA	5	0.5%	80%	$509,000
Goodleap, LLC	Conventional, FHA, HELOC	4 +2 HELOCs	0.4%	62.5%	$217,500
Primary Residential Mortgage, INC.	Conventional, FHA	4	0.4%	100%	$310,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	4	0.4%	100%	$270,000
Everett Financial, Inc.	Conventional, FHA	4	0.4%	85.7%	$380,000
Movement Mortgage, LLC	FHA	4	0.4%	100%	$425,000
Discover Bank	Conventional	4	0.4%	12.9%	$97,500
Planet Home Lending, LLC	Conventional, FHA	4	0.4%	100%	$442,500
Mortgage Research Center	VA	4	0.4%	44.4%	$400,000
Luxury Mortgage Corp.	Conventional	4	0.4%	100%	$477,500
Angel Oak Mortgage Solutions LLC	Conventional, HELOC	3 +1 HELOCs	0.3%	75%	$385,000
American Financial Resources LLC	Conventional, FHA	3	0.3%	75%	$405,000
Amerisave Mortgage Company	Conventional	3	0.3%	13.6%	$158,333
T2 Financial LLC	Conventional	3	0.3%	100%	$518,333
Better Mortgage Corporation	Conventional, FHA	3	0.3%	42.9%	$305,000
Geo-Corp, Inc.	FHA	3	0.3%	100%	$585,000
Summit Funding.Inc	Conventional, FHA	3	0.3%	100%	$331,666
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.3%	50%	$375,000	View
Cake Mortgage Corp.	Conventional, FHA	3	0.3%	100%	$268,333
JMAC Lending, Inc.	Conventional, FHA	3	0.3%	75%	$431,666
HomeBridge Financial Services, Inc	Conventional, HELOC	2 +16 HELOCs	0.2%	50%	$280,000
AmWest Funding Corp	FHA, HELOC	2 +1 HELOCs	0.2%	66.7%	$390,000
Guaranteed Rate, Inc.	Conventional	2	0.2%	66.7%	$245,000
Norwich Commercial Group Inc	Conventional	2	0.2%	100%	$250,000
AmeriHome Mortgage Company, LLC	FHA	2	0.2%	100%	$510,000
Resicentral LLC	Conventional, FHA	2	0.2%	100%	$445,000
AdvantageFirst Lending Inc	FHA	2	0.2%	50%	$260,000
HomeXpress Mortgage Corp.	Conventional	2	0.2%	18.2%	$250,000
First Colony Mortgage Corporat	Conventional	2	0.2%	100%	$535,000
Mid-Continent Funding, Inc.	VA	2	0.2%	100%	$330,000
Stg Mortgage Inc	FHA	2	0.2%	66.7%	$500,000
Premier Lending Inc.	Conventional	2	0.2%	100%	$350,000
Hometown Equity Mortgage, LLC	Conventional	2	0.2%	33.3%	$365,000
Geneva Financial LLC	Conventional	2	0.2%	100%	$510,000
Towne Mortgage Company	Conventional	2	0.2%	80%	$340,000
Uif Corporation	Conventional	2	0.2%	100%	$315,000
RoundPoint Mortgage Servicing LLC	Conventional	2	0.2%	100%	$155,000
Citadel Servicing Corporation	Conventional	2	0.2%	100%	$410,000
Fairway Independent Mort Corp	FHA	2	0.2%	100%	$400,000
Ark-La-Tex Financial Services LLC	FHA	2	0.2%	100%	$585,000
Pentagon Federal Credit Union	VA, HELOC	1 +2 HELOCs	0.1%	50%	$155,000
Arc Home LLC	Conventional	1	0.1%	100%	$545,000
First Community Mortgage, Inc.	FHA	1	0.1%	50%	$375,000
Guaranteed Rate Affinity, LLC	FHA	1	0.1%	100%	$325,000
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	FHA	1	0.1%	100%	$515,000	View
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$405,000
Pinnacle Mortgage Inc.	Conventional	1	0.1%	100%	$605,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$285,000
Guild Mortgage Company	Conventional	1	0.1%	100%	$255,000
Catalyst Mortgage	FHA	1	0.1%	100%	$425,000
Acre Mortgage & Financial, Inc.	FHA	1	0.1%	100%	$345,000
American Liberty Mortgage Inco	FHA	1	0.1%	100%	$465,000
First Alliance Home Mortgage, LLC	FHA	1	0.1%	100%	$585,000
Ahl Funding	FHA	1	0.1%	100%	$385,000
Absolute Home Mortgage	FHA	1	0.1%	100%	$475,000
Capital Partners Mortgage Services, LLC	FHA	1	0.1%	50%	$365,000
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$455,000
Hightechlending, Inc	FHA	1	0.1%	100%	$315,000
Strong Home Mortgage, LLC	VA	1	0.1%	100%	$605,000
Chevron Federal Credit Union	Conventional	1	0.1%	100%	$145,000
Cardinal Financial Company, Li	Conventional	1	0.1%	75%	$465,000
Nfm, Inc	FHA	1	0.1%	100%	$415,000
Belem Servicing, LLC dba Patriot Home Mortgage	FHA	1	0.1%	100%	$375,000
Embrace Home Loans, Inc.	FHA	1	0.1%	100%	$465,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$355,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	50%	$585,000
American Pacific Mortgage Corporation	FHA	1	0.1%	50%	$535,000
Synovus Bank	FHA	1	0.1%	100%	$515,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$285,000	View
Emet Lending Group, Inc.	Conventional	1	0.1%	100%	$455,000
Philadelphia Federal Credit Un	Conventional	1	0.1%	100%	$45,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$385,000	View
Genway Home Mortgage, Inc.	FHA	1	0.1%	100%	$495,000
Keystone Funding, Inc	Conventional	1	0.1%	100%	$515,000
Logan Finance Corporation	Conventional	1	0.1%	100%	$255,000
Zillow Home Loans, LLC	FHA	1	0.1%	100%	$295,000
Mutual of Omaha Mortgage	FHA	1	0.1%	12.5%	$205,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0.1%	100%	$465,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	FHA	1	0.1%	100%	$555,000	View
Cfbank NA ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$455,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$335,000	View
Nexera Holding LLC	Conventional	1	0.1%	50%	$525,000
Top Flite Financial, Inc.	Conventional	1	0.1%	100%	$245,000
Vista Point Mortgage, LLC	Conventional	1	0.1%	50%	$155,000
Spring Eq, LLC	HELOC	0 +9 HELOCs	0%	0%
Figure Lending LLC	HELOC	0 +8 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +7 HELOCs	0%	n/a
Coastal Community Bank	HELOC	0 +6 HELOCs	0%	n/a
American Airlines Federal Cred	HELOC	0 +2 HELOCs	0%	n/a
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	n/a
Trustone Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Union Home Mortgage Corp.	HELOC	0 +1 HELOCs	0%	n/a
Justice Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +1 HELOCs	0%	n/a		View
State Departmenet Federal Credit Union	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 Gardens 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 Gardens, Florida

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

Types of Mortgage Lenders in Miami Gardens, FL

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

Mortgage companies and brokers 119 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 35 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 19 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 82 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 19 lenders. No down payment and no mortgage insurance for eligible veterans and service members Local lenders based in FL 29 lenders headquartered in Florida, the closest thing to a mortgage lender near you

Who Lends in Miami Gardens, FL

Independent mortgage companies closed 87.7 percent of home loans in Miami Gardens, Florida in 2025, banks 8.5 percent and credit unions 3.8 percent. A&D Mortgage LLC was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Educational Federal Credit Union the largest credit union. Among lenders headquartered in Florida, Educational Federal Credit Union led with 10 loans.

87.7%

Mortgage companies

8.5%

Banks

3.8%

Credit unions

41%

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 Gardens, FL

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

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Miami Gardens, Florida with 19 loans, about 1.8 percent of the market. The largest lender headquartered in Florida was Educational Federal Credit Union with 10 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Miami Gardens, Florida, Paramount Residential Mortgage approved the highest share of completed applications in 2025 at 93.2 percent, against a 66.6 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 Gardens, FL mortgage lenders offer FHA, VA and USDA loans?

82 lenders closed FHA loans in Miami Gardens, Florida in 2025, led by United Wholesale Mortgage with 105. 19 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 Gardens, FL lender list?

Yes. 35 banks and 19 credit unions closed home loans in Miami Gardens, Florida in 2025, alongside 119 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 Gardens, FL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Miami Gardens, 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 Gardens, 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 Gardens. 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.