Mortgage lending in Miami-Dade County
34,236 mortgages were originated in Miami-Dade County, Florida, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 34,236
- Median rate
- 6.875%
- Median lender fees
- $11,615
- Median loan amount
- $385,000
- Median spread over APOR
- 0.469
- Paid discount points
- 36.2%
- Received lender credits
- 23.9%
- Purchases / refinances
- 52.4% / 30.6%
- Conventional / FHA / VA
- 83.8% / 14.1% / 2.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 62.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $667,000
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Miami-Dade County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 4,456 | $14,244 | 6.590% |
| Rocket Mortgage, LLC | 2,005 | $8,131 | 6.750% |
| A&D Mortgage LLC | 1,676 | $14,323 | 6.990% |
| SPACE COAST CREDIT UNION | 954 | — | 5.740% |
| PENNYMAC LOAN SERVICES, LLC | 843 | $10,418 | 6.625% |
| JPMorgan Chase Bank, National Association | 835 | $6,760 | 6.375% |
| THE LOAN STORE, INC. | 812 | $14,462 | 7.125% |
| LENNAR MORTGAGE, LLC | 790 | $11,146 | 4.500% |
| Paramount Residential Mortgage Group, Inc. | 681 | $15,198 | 6.625% |
| Bank of America, National Association | 650 | $9,563 | 6.000% |
What lenders charged here
Lender fees on a $385,000 loan, based on what was actually charged in Miami-Dade County — not a rule of thumb.
From 21,486 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers