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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 Lenders in Florida
Updated February 6, 2026
Market Overview
604
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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $828 | -0.499% | 3,310 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,723 | -0.145% | 2,030 | |
4 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $910 | +0.042% | 1,658 | |
5 | Suncoast Credit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | -$710 | -0.847% | 1,473 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $356 | -0.414% | 726 | |
7 | SPACE COAST CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | $451 | -0.120% | 1,012 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,471 | +0.244% | 2,579 | |
9 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,221 | +0.078% | 1,767 | |
10 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $831 | +0.071% | 872 | |
11 | LAKE MICHIGAN CREDIT UNION | Exceptional | Strong | Exceptional | Strong | Strong | $1,393 | -0.071% | 726 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,415 | +0.281% | 38,081 | |
13 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,427 | +0.268% | 21,334 | |
14 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,670 | +0.197% | 4,800 | |
15 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,895 | +0.181% | 3,538 | |
16 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,407 | +0.378% | 3,386 | |
17 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,473 | +0.263% | 2,971 | |
18 | Regions Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,339 | +0.216% | 2,282 | |
19 | MIDFLORIDA | Exceptional | Strong | Strong | Sound | Exceptional | $1,031 | +0.041% | 938 | |
20 | VYSTAR CREDIT UNION | Exceptional | Strong | Exceptional | Sound | Strong | $2,462 | -0.024% | 719 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,500 | +0.023% | 5,290 | |
22 | Citizens First Bank | Strong | Sound | Sound | Exceptional | Exceptional | $1,311 | +0.417% | 1,851 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $3,285 | +0.349% | 760 | |
24 | SWBC MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $2,915 | +0.405% | 742 | |
25 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $975 | +0.238% | 707 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161 | +0.526% | 7,983 | |
27 | FBC MORTGAGE, LLC | Strong | Sound | Strong | Sound | Exceptional | $2,642 | +0.055% | 2,836 | |
28 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $3,176 | +0.635% | 1,353 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | Strong | $3,222 | +0.329% | 1,310 | |
30 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,319 | +0.270% | 1,103 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,991 | +0.608% | 3,535 | |
32 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,830 | +0.390% | 3,238 | |
33 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,914 | +0.548% | 3,144 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,798 | +0.481% | 2,782 | |
35 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,381 | +0.426% | 1,767 | |
36 | Ameris Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,570 | +0.236% | 1,655 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,651 | +0.404% | 1,626 | |
38 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,123 | +0.368% | 1,516 | |
39 | SouthState Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,520 | +0.231% | 1,255 | |
40 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,480 | +0.446% | 982 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Sound | Acceptable | Strong | $2,612 | +0.168% | 753 | |
42 | First Horizon Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,584 | +0.108% | 685 | |
43 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,103 | +0.021% | 2,022 | |
44 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,000 | +0.433% | 1,274 | |
45 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,914 | +0.359% | 1,134 | |
46 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Strong | Sound | Strong | $3,300 | +0.457% | 1,846 | |
47 | Waterstone Mortgage Corporation | Strong | Acceptable | Strong | Sound | Strong | $4,792 | +0.499% | 1,343 | |
48 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Sound | Strong | $4,838 | +0.432% | 884 | |
49 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Strong | $2,162 | +0.266% | 652 | |
50 | ANGEL OAK MORTGAGE SOLUTIONS LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,958 | +1.157% | 600 |
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.
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