Largest lenders in Miami-Dade County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 6,963 | 4,456 | 21.1% | 6.59% |
| 2 | Rocket Mortgage | C | 3,253 | 2,005 | 28.2% | 6.75% |
| 3 | A&D Mortgage | C | 2,845 | 1,676 | 10.2% | 6.99% |
| 4 | Bank of America | F | 2,597 | 650 | 45.3% | 6.00% |
| 5 | Space Coast Credit Union | C | 2,371 | 954 | 39.3% | 5.74% |
| 6 | Newrez | D | 1,993 | 446 | 30.2% | 6.88% |
| 7 | Pennymac Loan Services | C | 1,805 | 843 | 18.5% | 6.63% |
| 8 | JPMorgan Chase Bank | B | 1,637 | 835 | 17.0% | 6.38% |
| 9 | Regions Bank | C | 1,632 | 561 | 45.0% | 4.99% |
| 10 | Coastal Community Bank | C | 1,539 | 206 | 3.7% | 10.24% |
| 11 | The Loan Store | B | 1,418 | 812 | 17.8% | 7.13% |
| 12 | TD Bank | D | 1,247 | 439 | 41.0% | 7.60% |
| 13 | Paramount Residential Mortgage Group | B | 1,186 | 681 | 8.2% | 6.63% |
| 14 | Spring Eq | D | 1,179 | 248 | 58.3% | 9.09% |
| 15 | Lennar Mortgage | A | 1,134 | 790 | 23.5% | 4.50% |
| 16 | Truist Bank | C | 998 | 319 | 54.5% | 6.37% |
| 17 | Citizens Bank | C | 785 | 349 | 41.3% | 7.90% |
| 18 | Angel Oak Mortgage Solutions | D | 758 | 468 | 12.1% | 7.37% |
| 19 | Discover Bank | F | 746 | 63 | 59.1% | 8.34% |
| 20 | Navy Federal Credit Union | D | 736 | 202 | 34.8% | 8.25% |
| 21 | Loandepot.Com | D | 721 | 338 | 33.8% | 6.88% |
| 22 | Deephaven Mortgage | D | 709 | 422 | 31.5% | 7.25% |
| 23 | Freedom Mortgage | B | 686 | 205 | 13.6% | 6.25% |
| 24 | Lakeview Loan Servicing | C | 674 | 48 | 65.9% | 8.94% |
| 25 | Champions Funding | F | 632 | 376 | 21.7% | 7.50% |
Best approval odds in Miami-Dade County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Banking Mortgage Services, B.m.s. | 81 | 0.0% |
| 2 | Rf Renovo Management Company | 57 | 0.0% |
| 3 | Velocity Commercial Capital | 117 | 0.9% |
| 4 | My Mortgage | 233 | 1.3% |
| 5 | Geneva Financial | 75 | 1.3% |
| 6 | Greenbox Loans | 53 | 1.9% |
| 7 | Belem Servicing | 63 | 3.2% |
| 8 | Point Mortgage | 183 | 3.3% |
| 9 | Citadel Servicing | 466 | 3.4% |
| 10 | Home Financing Center | 55 | 3.6% |
What Miami-Dade County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Miami-Dade County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 70,742 | 31,885 | 29.0% | 7.00% | $295,000 |
| 2024 | 75,017 | 33,869 | 27.8% | 7.00% | $305,000 |
| 2025 | 74,112 | 34,236 | 25.6% | 6.88% | $325,000 |
Frequently asked questions
25.6% of applications in Miami-Dade County were denied in 2025, against 21.1% statewide in Florida.
United Shore Financial Services, with 6,963 applications in 2025 and a denial rate of 21.1%.
The median mortgage application in Miami-Dade County in 2025 was for $325,000; the median property value on originated loans was $615,000.