Mortgage lending in Miami-Dade County, Florida
Lenders in Miami-Dade County, Florida reported 74,112 mortgage applications for 2025, according to the CFPB.
74,112 mortgage applications and 34,236 loans originated in 2025; the denial rate was 33.7% of 56,197 applications decided. The median loan was about $385,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Miami-Miami Beach-Kendall, FL HUD Metro FMR Area.
- 74,112
- Applications
- 34,236
- Loans originated
- 33.7%
- Denial rate
- 18,936 denied of 56,197 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 74,112 | 34,236 |
| 2024 | 75,017 | 33,869 |
| 2023 | 70,742 | 31,885 |
| 2022 | 101,577 | 48,951 |
| 2021 | 148,407 | 78,814 |
| 2020 | 128,149 | 65,198 |
| 2019 | 91,854 | 45,517 |
| 2018 | 84,097 | 39,790 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 4,456 | 6,963 |
| Rocket Mortgage | 2,005 | 3,253 |
| A&d Mortgage LLC | 1,676 | 2,845 |
| Space Coast Credit Union | 954 | 2,371 |
| Pennymac Loan Services LLC | 843 | 1,805 |
| JPMorgan Chase Bank, NA | 835 | 1,637 |
| The Loan Store, Inc | 812 | 1,418 |
| Lennar Mortgage, LLC | 790 | 1,134 |
| Paramount Residential Mortgage | 681 | 1,186 |
| Bank of America NA | 650 | 2,597 |
| Regions Bank | 561 | 1,632 |
| Angel Oak Mortgage Solutions LLC | 468 | 758 |
| Newrez LLC | 446 | 1,993 |
| TD Bank | 439 | 1,247 |
| HomeBridge Financial Services, Inc | 433 | 630 |
| Deephaven Mortgage LLC | 422 | 709 |
| Champions Funding, LLC | 376 | 632 |
| Bradesco Bank | 369 | 451 |
| Citizens Bank, NA | 349 | 785 |
| loanDepot.com LLC | 338 | 721 |
| DHI Mortgage Company, LTD. | 321 | 435 |
| Truist Bank | 319 | 998 |
| Ocmbc, Inc. | 300 | 601 |
| Crosscountry Mortgage, LLC | 295 | 589 |
| AmWest Funding Corp | 287 | 564 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 315 | 46.3% of 229 decided |
| Asian | 1,238 | 36.0% of 919 decided |
| Black or African American | 5,486 | 43.4% of 4,049 decided |
| Native Hawaiian or Other Pacific Islander | 96 | 54.5% of 77 decided |
| White | 51,358 | 32.0% of 39,938 decided |
| 2 or more minority races | 117 | 48.8% of 80 decided |
| Joint | 727 | 26.4% of 553 decided |
| Free Form Text Only | 42 | no rate: base under 50 |
| Race Not Available | 14,733 | 36.1% of 10,316 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 44,288 | 33.4% of 34,555 decided |
| Not Hispanic or Latino | 15,605 | 35.6% of 11,635 decided |
| Joint | 1,743 | 24.9% of 1,335 decided |
| Ethnicity Not Available | 12,447 | 33.6% of 8,653 decided |
| Free Form Text Only | 29 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 30,886 | 35.2% of 23,438 decided |
| Female | 18,494 | 37.1% of 14,220 decided |
| Joint | 16,949 | 28.0% of 13,301 decided |
| Sex Not Available | 7,783 | 32.1% of 5,238 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 98 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved