🛡️
Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Jumbo Mortgage Bank Lenders in Florida
Updated February 6, 2026
Market Overview
16
Total Lenders
290,958
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,202 | -0.023% | 2,427 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,723 | -0.145% | 2,030 | |
3 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $910 | +0.042% | 1,658 | |
4 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $356 | -0.414% | 726 | |
5 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,221 | +0.078% | 1,767 | |
6 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $831 | +0.071% | 872 | |
7 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,670 | +0.197% | 4,800 | |
8 | Regions Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,339 | +0.216% | 2,282 | |
9 | Citizens First Bank | Strong | Sound | Sound | Exceptional | Exceptional | $1,311 | +0.417% | 1,851 | |
10 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $975 | +0.238% | 707 | |
11 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,381 | +0.426% | 1,767 | |
12 | Ameris Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,570 | +0.236% | 1,655 | |
13 | SouthState Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,520 | +0.231% | 1,255 | |
14 | First Horizon Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,584 | +0.108% | 685 | |
15 | Flagstar Bank, N.A. | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,266 | +0.357% | 2,796 | |
16 | Bank of England | Sound | Acceptable | Strong | Acceptable | Strong | $2,967 | +0.298% | 785 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
FloridaJumbo
No credit impact
3-minute process
100% free