Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Miami-Dade County, Florida
Every institution that decided a 1–4 unit mortgage application in Miami-Dade County between 2023 and 2025: 143,663 applications, 90,709 loans actually funded, across 8 kinds of borrowing.
Miami-Dade County at a glance
143,663Applications decided
2023–2025
90,709Loans funded
63% of decisions
706Census tracts
77 ZIP codes
2,685,296People
ACS 2023
What the data shows
Lenders approved 78.2% of home-purchase applications in Miami-Dade County, 5.5 points below the Florida rate.
The typical purchase mortgage here is $465K.
Investment home improvement is the hardest money to get here: lenders approved 39% of 1,868 applications.
Lending by loan type in Miami-Dade County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 78.2% | 61,207 | $465K | 96% | 655 |
| Home improvement loans | 45.2% | 20,615 | $105K | 85% | 210 |
| Cash-out refinance | 59.6% | 23,292 | $275K | 93% | 416 |
| Refinance | 59.0% | 11,702 | $345K | 90% | 394 |
| Investment property purchase | 77.5% | 15,157 | $375K | 94% | 507 |
| Investment cash-out refinance | 69.7% | 7,139 | $315K | 89% | 291 |
| Investment refinance | 63.8% | 2,683 | $395K | 85% | 261 |
| Investment home improvement | 39.4% | 1,868 | $155K | 87% | 126 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.