What people paid for mortgages in Miami-Dade County, FL (2025)
Across 13,389 closed home-purchase loans in 2025, the median interest rate in Miami-Dade was 6.5%, and the middle half of borrowers got between 6% and 6.99%. Median total loan costs ran $13,325 on a median loan of $505,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6%–6.99%
- Median total loan costs
- $13,325
- Median loan amount
- $505,000
13,389 loans, 2025.
Refinance
- Median rate
- 6.49%
- Middle half of rates
- 5.99%–6.99%
- Median total loan costs
- $12,168
- Median loan amount
- $415,000
4,896 loans, 2025.
Lowest median rates in Miami-Dade (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.DHI MORTGAGE COMPANY, LTD.3.99%304 loans, median costs $10,939
- 2.LENNAR MORTGAGE, LLC4.5%747 loans, median costs $11,527
- 3.NFM, INC.4.99%91 loans, median costs $17,587
- 4.Morgan Stanley Private Bank, National Association5.812%66 loans, median costs $7,865
- 5.SPACE COAST CREDIT UNION5.812%42 loans, median costs $0
Among lenders with at least 30 closed purchase loans in Miami-Dade County in 2025.
Refinance
- 1.SPACE COAST CREDIT UNION5.5%70 loans, median costs $0
- 2.AmeriSave Mortgage Corporation5.812%36 loans, median costs $14,652
- 3.Loandepot.Com, LLC5.99%86 loans, median costs $12,247
- 4.Bank of America, National Association5.99%51 loans, median costs $8,003
- 5.Regions Bank6%58 loans, median costs $7,788
Among lenders with at least 30 closed refinance loans in Miami-Dade County in 2025.
Lender by lender in Miami-Dade
Every lender that closed at least 5 qualifying loans in Miami-Dade County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 2,902 | 6.5% | $14,498 | $6,522 | $3,136 |
| 2 | LENNAR MORTGAGE, LLC | 747 | 4.5% | $11,527 | $1,795 | $5,726 |
| 3 | Rocket Mortgage, LLC | 727 | 6.5% | $12,273 | $4,757 | $3,033 |
| 4 | A&D Mortgage LLC | 539 | 6.875% | $15,282 | $9,395 | $2,880 |
| 5 | JPMorgan Chase Bank, National Association | 498 | 6.375% | $6,677 | $995 | $4,469 |
| 6 | Paramount Residential Mortgage Group, Inc. | 488 | 6.625% | $15,456 | $6,473 | $5,301 |
| 7 | PENNYMAC LOAN SERVICES, LLC | 472 | 6.624% | $13,163 | $4,415 | $2,630 |
| 8 | THE LOAN STORE, INC.broker only | 346 | 6.625% | $15,436 | $4,245 | $2,282 |
| 9 | DHI MORTGAGE COMPANY, LTD. | 304 | 3.99% | $10,939 | $0 | $4,546 |
| 10 | NEWREZ LLC | 198 | 6.75% | $13,938 | $5,783 | $3,120 |
| 11 | MY MORTGAGE, INC. | 186 | 6.875% | $14,022 | $3,870 | $5,323 |
| 12 | CROSSCOUNTRY MORTGAGE, INC. | 152 | 6.875% | $13,625 | $6,605 | $6,255 |
| 13 | KIND LENDING, LLC | 149 | 6.5% | $17,199 | $7,177 | $2,892 |
| 14 | CMG MORTGAGE, INC. | 147 | 6.75% | $10,632 | $4,146 | $4,108 |
| 15 | City National Bank of Florida | 139 | 6.125% | $10,323 | $1,590 | $3,500 |
| 16 | NATIONWIDE MORTGAGE BANKERS, INC. | 137 | 6.75% | $23,802 | $12,930 | $11,920 |
| 17 | Regions Bank | 129 | 6.375% | $11,119 | $3,390 | $3,287 |
| 18 | Bank of America, National Association | 124 | 5.875% | $9,625 | $1,320 | $925 |
| 19 | POINT MORTGAGE CORPORATION | 118 | 6.875% | $15,385 | $6,039 | $3,461 |
| 20 | ANGEL OAK MORTGAGE SOLUTIONS LLC | 114 | 7.124% | $18,840 | $12,339 | $2,246 |
| 21 | Cornerstone First Mortgage, Inc | 109 | 6.75% | $14,041 | $6,478 | $4,984 |
| 22 | OCMBC, INC. | 101 | 7.499% | $21,756 | $15,391 | $3,474 |
| 23 | Loandepot.Com, LLC | 98 | 6.5% | $10,796 | $4,475 | $5,602 |
| 24 | FIRSTBANK PUERTO RICO | 97 | 6.25% | $5,466 | $1,575 | $1,013 |
| 25 | NFM, INC. | 91 | 4.99% | $17,587 | $1,470 | $3,360 |
| 26 | DEEPHAVEN MORTGAGE LLC | 91 | 7.125% | $18,349 | $11,564 | $3,184 |
| 27 | EVERETT FINANCIAL, INC. | 89 | 6.625% | $16,642 | $7,471 | $9,926 |
| 28 | Plains Commerce Bank | 87 | 6.375% | $17,100 | $2,525 | $2,258 |
| 29 | Wells Fargo Bank, National Association | 82 | 6.062% | $10,054 | $2,299 | $3,513 |
| 30 | Broker Solutions, Inc. | 69 | 6.75% | $13,078 | $5,139 | $5,802 |
| 31 | READY MORTGAGE LENDERS, LLC | 69 | 6.75% | $21,300 | $8,512 | $3,406 |
| 32 | 1ST FINANCIAL, INC. | 66 | 6.99% | $15,033 | $7,215 | $5,526 |
| 33 | Morgan Stanley Private Bank, National Association | 66 | 5.812% | $7,865 | $815 | n/a |
| 34 | Citibank, National Association | 65 | 5.875% | $9,036 | $1,090 | $3,557 |
| 35 | JMAC LENDING, INC. | 64 | 6.49% | $15,509 | $5,596 | $1,920 |
| 36 | Citadel Servicing Corporation | 62 | 7.5% | $20,566 | $13,937 | $2,914 |
| 37 | BANKING MORTGAGE SERVICES, B.M.S. CORP. | 61 | 6.75% | $17,703 | $6,697 | $3,658 |
| 38 | Mortgage Research Center, LLC | 60 | 6.25% | $6,713 | $105 | $1,387 |
| 39 | LUXURY MORTGAGE CORP. | 56 | 7.625% | $22,701 | $14,985 | $6,386 |
| 40 | FBC MORTGAGE, LLC | 56 | 6.25% | $14,944 | $4,526 | $4,929 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Miami-Dade figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Miami-Dade County in 2025?
The median interest rate on closed home-purchase loans in Miami-Dade County, Florida in 2025 was 6.5%, across 13,389 first-lien, owner-occupied loans. The middle half of borrowers got between 6% and 6.99%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.