Florida › Miami

Home loans in Miami

By Kunal (KJ), former licensed mortgage loan originator · Sources: Florida OFR license file, FDIC, NCUA, firm websites, HMDA

85mortgage lenders337mortgage brokers48banks17credit unions

487 firms approved to make or arrange home loans have an office in Miami. Pick the loan you need, answer six questions, or search by name. Every firm is on the Florida license file or federally insured; inactive licensees are never listed.

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Only loan types that at least 5 Miami firms list on their own sites get a page.

All 487 firms in Miami

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Miami-Dade County at a glance

Mortgage applications filed in 2025	82,858
Loans originated	34,236
Denial rate	23%
FHA share of originations	14%
VA share	2%
Investor and second home share	21%
Dollar volume originated	$20,298,470,000
2026 conforming loan limit, 1 unit	$832,750
2026 FHA loan limit, 1 unit	$667,000

As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Miami-Dade County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.

All of FloridaEvery city and loan type

Questions people ask

How many mortgage lenders and brokers are in Miami?

487 firms approved by the Florida Office of Financial Regulation or chartered as banks and credit unions have a Miami office as of October 15, 2026: 85 mortgage lenders, 337 mortgage brokers, 48 banks, 17 credit unions. Loan officers and unlicensed companies are not counted.

What is the difference between a mortgage lender, a broker and a bank?

A mortgage lender funds the loan with its own money or credit lines. A mortgage broker arranges the loan through other lenders and does not fund it. A bank or credit union lends its own deposits and products. All three can get you the same loan; the card on every firm says which it is.