Mortgage Lenders and Brokers in South Miami, Florida
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
South Miami, Florida mortgage lenders include First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust7301 Sw 57th Ct, South Miami, FL 33143A5.0 ★Texas Ratio: 7.72%, City National Bank of FloridaCity National Bank of Florida2999 Ne 191st St, Aventura, FL 33180A5.0 ★Texas Ratio: 7.12%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA500 E Altamonte Dr, Altamonte Springs, FL 32701A+5.0 ★Texas Ratio: 3.68%, Space Coast Credit UnionSpace Coast Credit Union20437 State Road 7, Boca Raton, FL 33498A+5.0 ★Texas Ratio: 5.37%, First Horizon BankFirst Horizon Bank520 W Highway 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.76%, Miami Firefighters Federal Credit UnionMiami Firefighters Federal Credit Union1111 NW 7th St, Miami, FL 33136A+5.0 ★Texas Ratio: 2.26%, Wells Fargo Bank NAWells Fargo Bank NA1030 Montgomery Rd, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 5.36%, Educational Federal Credit UnionEducational Federal Credit Union16460 SW 304th St, Homestead, FL 33033 3260A+5.0 ★Texas Ratio: 2.35%, Truist BankTruist Bank1198 Commerce Park Dr, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 2.87%, and PNC Bank N.A.PNC Bank N.A.900 W State Road 436, Altamonte Springs, FL 32714A+5.0 ★Texas Ratio: 4.24%. 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 South Miami, Florida in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in South Miami 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 South Miami, Florida
Market share is the lender's share of all home loans closed in South Miami, 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 |
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1 office in South Miami 7301 Sw 57th Ct, South Miami, FL 33143 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.8% | 100% | $1,065,000 | View |
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2999 Ne 191st St, Aventura, FL 33180 A5.0 ★Texas Ratio: 7.12% |
Conventional, Jumbo | 5 | 3.8% | 71.4% | $1,545,000 | View |
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500 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 4 | 3.1% | 62.5% | $1,967,500 | View |
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20437 State Road 7, Boca Raton, FL 33498 A+5.0 ★Texas Ratio: 5.37% |
Conventional, Jumbo, HELOC | 3 +4 HELOCs |
2.3% | 75% | $441,666 | View |
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★ 5 stars, 1 review 520 W Highway 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
2.3% | 60% | $1,518,333 | View |
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1111 NW 7th St, Miami, FL 33136 A+5.0 ★Texas Ratio: 2.26% |
Conventional | 3 | 2.3% | 100% | $95,000 | |
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1030 Montgomery Rd, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 3 | 2.3% | 75% | $908,333 | View |
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16460 SW 304th St, Homestead, FL 33033 3260 A+5.0 ★Texas Ratio: 2.35% |
Conventional | 3 | 2.3% | 75% | $161,666 | View |
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★ 1 stars, 1 review 1198 Commerce Park Dr, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 2 +3 HELOCs |
1.5% | 50% | $1,050,000 | View |
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★ 1.7 stars, 3 reviews 900 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.24% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
1.5% | 100% | $605,000 | View |
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460 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +6 HELOCs |
0.8% | 33.3% | $315,000 | View |
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514 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 1 +6 HELOCs |
0.8% | 50% | $2,385,000 | View |
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360 W State Road 436, Altamonte Springs, FL 32714 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +4 HELOCs |
0.8% | 100% | $295,000 | View |
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18999 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.82% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 50% | $705,000 | View |
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9105 Strada Pl, Naples, FL 34108 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.8% | 100% | $355,000 | View |
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14854 S Military Trl, Delray Beach, FL 33484 8153 A-4.9 ★Texas Ratio: 16.71% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,185,000 | View |
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2512 Skyline Blvd, Cape Coral, FL 33914 A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 1 | 0.8% | 100% | $905,000 | View |
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3100 N Military Trl, Boca Raton, FL 33431 A4.7 ★Texas Ratio: 0.83% |
Conventional | 1 | 0.8% | 100% | $785,000 | View |
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★ 5 stars, 1 review 400 Us Highway 27 N, Avon Park, FL 33825 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.8% | 100% | $495,000 | View |
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710 Carillon Pkwy, Saint Petersburg, FL 33716 A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,015,000 | View |
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5461 N Us Highway 41, Apollo Beach, FL 33572 A+5.0 ★Texas Ratio: 3.54% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,005,000 | View |
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2950 Ne 207th St, Aventura, FL 33180 A+5.0 ★Texas Ratio: 3.01% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,035,000 | View |
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19495 Biscayne Blvd, Aventura, FL 33180 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.8% | 50% | $155,000 | View |
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2875 Ne 191st St, Aventura, FL 33180 A+5.0 ★Texas Ratio: 2.12% |
Conventional, Jumbo | 1 | 0.8% | 50% | $1,155,000 | View |
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70 S Dixie Hwy, Boca Raton, FL 33432 A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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5750 Sunset Dr, South Miami, FL 33143 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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8947 W Atlantic Blvd, Coral Springs, FL 33071 A5.0 ★Texas Ratio: 6.93% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2222 Ponce De Leon Blvd, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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3001 Aventura Blvd, Aventura, FL 33180 B+4.7 ★Texas Ratio: 18.65% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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540 Biltmore Way, Coral Gables, FL 33134 A+5.0 ★Texas Ratio: 2.93% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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891 E Altamonte Dr, Altamonte Springs, FL 32701 A+5.0 ★Texas Ratio: 2.64% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7375 University Pkwy, Bradenton, FL 34202 2300 A5.0 ★Texas Ratio: 7.65% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First Equity Mortgage Bankers Inc.
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Conventional, Jumbo | 3 | 2.3% | 100% | $1,061,666 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 1.5% | 66.7% | $460,000 | View |
PHH Mortgage Corporation
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Conventional, Jumbo | 2 | 1.5% | 100% | $765,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.8% | 33.3% | $405,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.8% | 100% | $625,000 | |
Ready Mortgage Lenders, LLC
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Conventional, Jumbo | 1 | 0.8% | 100% | $1,045,000 | |
United Wholesale Mortgage
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Conventional, FHA, Jumbo, HELOC | 10 +2 HELOCs |
7.7% | 83.3% | $534,000 | |
Rocket Mortgage
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Conventional, Jumbo | 6 | 4.6% | 75% | $575,000 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 4 | 3.1% | 100% | $765,000 | |
Deephaven Mortgage LLC
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Conventional, Jumbo | 4 | 3.1% | 100% | $1,045,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 4 | 3.1% | 100% | $1,245,000 | View |
loanDepot.com LLC
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Conventional, HELOC | 3 +1 HELOCs |
2.3% | 60% | $488,333 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional, FHA | 3 | 2.3% | 50% | $195,000 | View |
CrossCountry Mortgage, LLC
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Conventional, VA, Jumbo | 3 | 2.3% | 100% | $1,431,666 | |
Cake Mortgage Corp.
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Conventional, Jumbo | 3 | 2.3% | 60% | $1,131,666 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
1.5% | 100% | $1,785,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 2 | 1.5% | 66.7% | $1,050,000 | |
SWBC Mortgage Corporation
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Conventional, Jumbo | 2 | 1.5% | 100% | $835,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.5% | 100% | $645,000 | |
Fairway Independent Mort Corp
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Conventional, Jumbo | 2 | 1.5% | 100% | $1,080,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 1.5% | 66.7% | $280,000 | View |
Better Mortgage Corporation
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Conventional, HELOC | 1 +2 HELOCs |
0.8% | 50% | $685,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.8% | 100% | $785,000 | |
Fundloans Capital
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Conventional, Jumbo | 1 | 0.8% | 100% | $605,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.8% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 0.8% | 50% | $1,185,000 | View |
Equity Prime Mortgage LLC
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FHA | 1 | 0.8% | 100% | $515,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.8% | 33.3% | $455,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $705,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.8% | 100% | $625,000 | |
Oaktree Funding Corp
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Conventional, Jumbo | 1 | 0.8% | 100% | $815,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.8% | 100% | $685,000 | View |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.8% | 100% | $355,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.8% | 100% | $35,000 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.8% | 100% | $155,000 | View |
Belem Servicing, LLC dba Patriot Home Mortgage
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Conventional | 1 | 0.8% | 100% | $735,000 | |
1st Financial, Inc.
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Conventional | 1 | 0.8% | 100% | $805,000 | |
Mortgage Research Center
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VA, Jumbo | 1 | 0.8% | 50% | $1,385,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.8% | 50% | $265,000 | |
Summit Funding.Inc
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Conventional, Jumbo | 1 | 0.8% | 100% | $925,000 | |
The Loan Store, Inc
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Conventional, Jumbo | 1 | 0.8% | 100% | $1,665,000 | |
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A-4.9 ★Texas Ratio: 16.71% |
Conventional | 1 | 0.8% | 100% | $575,000 | View |
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A+5.0 ★Texas Ratio: 1.62% |
Conventional, Jumbo | 1 | 0.8% | 100% | $1,205,000 | View |
Paramount Residential Mortgage
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Conventional, Jumbo | 1 | 0.8% | 100% | $885,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.8% | 100% | $805,000 | View |
JMAC Lending, Inc.
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Conventional | 1 | 0.8% | 100% | $465,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Usalliance Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
AmWest Funding Corp
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Coastal Community Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
South Miami Mortgage Rate Trends
Daily average mortgage rates for Florida compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in South Miami, Florida
Looking for mortgage lenders near me or mortgage brokers near me in South Miami? The list below shows the banks, credit unions and mortgage brokers that closed home loans in South Miami in 2025, with lenders based there listed first.
Types of Mortgage Lenders in South Miami, FL
Use these to narrow the list above. Each category shows how many South Miami, FL lenders fit and what that kind of lender is usually best for.
Who Lends in South Miami, FL
Independent mortgage companies closed 58.5 percent of home loans in South Miami, Florida in 2025, banks 33.1 percent and credit unions 8.5 percent. First Equity Mortgage Bankers Inc. was the largest mortgage company, First Ciitizens Bank and Trust the largest bank and Space Coast Credit Union the largest credit union. Among lenders headquartered in Florida, City National Bank of Florida led with 5 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
Frequently Asked Questions About Mortgage Lenders in South Miami, FL
By home loans closed in 2025, First Ciitizens Bank and Trust was the largest mortgage lender in South Miami, Florida with 1 loans, about 0.8 percent of the market. The largest lender headquartered in Florida was City National Bank of Florida with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in South Miami, Florida in 2025, led by PNC Bank N.A. with 1. 2 lenders closed VA loans, led by CrossCountry Mortgage, LLC. 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.
Yes. 33 banks and 11 credit unions closed home loans in South Miami, Florida in 2025, alongside 42 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.
Lenders are ranked only by the number of home loans they closed in South Miami, 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 South Miami, 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 South Miami. 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.
