Miami-Dade County
Florida · FIPS 12086
According to CFPB HMDA 2024 application volume among U.S. counties, Miami-Dade County ranks #8 of 3,223, and #1 of 67 in Florida.
Mortgage lending activity in Miami-Dade County, Florida based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Miami-Dade County, Florida lenders denied 20,889 of the applications reported here, financing the rest at an average note rate of 7.32%, with applicants self-reporting average annual income of $41K. 607 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 11.4x, meaning typical borrowers took on mortgages of about 11.4 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Miami-Dade County
In Miami-Dade County, lead originator United Wholesale Mortgage funded 15.0% of 33,574 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 25.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Miami-Dade County's 82,352 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Miami-Dade County's $467,642 average loan (deduped against volume peers).
Lenders active in Miami-Dade County
United Wholesale Mortgage funded 5,044 of the 33,574 loans originated in Miami-Dade County, 15.0% of the county. 607 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 5,044 | 15.0% |
| 2 | Rocket Mortgage | 1,986 | 5.9% |
| 3 | A&D Mortgage LLC | 1,420 | 4.2% |
| 4 | JPMorgan Chase Bank, NA | 911 | 2.7% |
| 5 | Space Coast Credit Union | 906 | 2.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Miami-Dade County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Miami-Dade County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.