Mortgage lending in Miami-Miami Beach-Kendall, FL
34,240 mortgages were originated in the Miami-Miami Beach-Kendall, FL area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 34,240
- Median rate
- 6.875%
- Median lender fees
- $11,615
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $385,000
- Above the going rate (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.
Who lent here
Lenders with at least 50 loans in the Miami-Miami Beach-Kendall, FL area, 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% |