LendResearch Est. 2026

Florida › Miami › Conventional mortgages

Conventional mortgages in Miami

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

60 firms with a Miami office list conventional mortgages on their own sites: 13 mortgage lenders, 39 mortgage brokers, 6 banks, 2 credit unions. All are approved on the Florida license file or federally chartered. Claimed firms appear first, then firms with the most complete public data.

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Other loans in Miami

Miami-Dade County at a glance

Mortgage applications filed in 202582,858
Loans originated34,236
Denial rate23%
FHA share of originations14%
VA share2%
Investor and second home share21%
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.

Questions people ask

How many lenders offer conventional mortgages in Miami?

60 firms licensed or chartered to lend in Florida with a Miami office list conventional mortgages on their own websites as of October 15, 2026: 13 mortgage lenders, 39 mortgage brokers, 6 banks, 2 credit unions. Every firm here is approved on the Florida Office of Financial Regulation file or insured by the FDIC or NCUA; inactive licensees are never shown.

Should I use a broker or a lender for conventional mortgages?

Either can get you the loan. A mortgage lender funds it with its own money; a mortgage broker shops it to several lenders and does not fund it; a bank or credit union lends its own deposits. Each card says which kind the firm is. Compare at least two, and ask each whether it funds or brokers the loan.

What is the 2026 loan limit in Miami-Dade County?

The 2026 conforming limit for a one-unit home in Miami-Dade County is $832,750 and the FHA limit is $667,000. Above the conforming limit a loan is a jumbo loan.