Ownership Submission
FORM 3
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
  Surface John S
2. Date of Event Requiring Statement (Month/Day/Year)
05/02/2012
3. Issuer Name and Ticker or Trading Symbol
EverBank Financial Corp [EVER]
(Last)
(First)
(Middle)
C/O EVERBANK FINANCIAL CORP, 501 RIVERSIDE AVENUE
4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Executive VP, Corp Development
5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

JACKSONVILLE, FL 32202
6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)
2. Amount of Securities Beneficially Owned
(Instr. 4)
3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)
4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Common Stock, par value $0.01 per share 239,880
D
 
Common Stock, par value $0.01 per share 19,257
I
By Surface Investment Partnership, Ltd.

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)
2. Date Exercisable and Expiration Date
(Month/Day/Year)
3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)
4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)
6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
Common Stock Option (right to buy) 07/15/2002 07/15/2012 Common Stock, par value $0.01 per share 14,880 $ 3.78 D  
Common Stock Option (right to buy) 07/15/2003 07/15/2012 Common Stock, par value $0.01 per share 14,880 $ 3.78 D  
Common Stock Option (right to buy) 07/15/2004 07/15/2012 Common Stock, par value $0.01 per share 14,880 $ 3.78 D  
Common Stock Option (right to buy) 07/15/2005 07/15/2012 Common Stock, par value $0.01 per share 14,880 $ 3.78 D  
Common Stock Option (right to buy) 06/30/2007 06/30/2014 Common Stock, par value $0.01 per share 75,000 $ 5 D  
Common Stock Option (right to buy) 02/01/2008 02/01/2015 Common Stock, par value $0.01 per share 37,500 $ 5.33 D  
Common Stock Option (right to buy) 02/01/2011 02/01/2016 Common Stock, par value $0.01 per share 22,500 $ 6.09 D  
Common Stock Option (right to buy) 07/21/2009 07/21/2013 Common Stock, par value $0.01 per share 165,000 $ 8.55 D  
Common Stock Option (right to buy) 07/21/2010 07/20/2018 Common Stock, par value $0.01 per share 109,995 $ 8.55 D  
Common Stock Option (right to buy) 07/21/2010 07/20/2018 Common Stock, par value $0.01 per share 55,005 $ 10.55 D  
Common Stock Option (right to buy) 07/21/2011 07/20/2018 Common Stock, par value $0.01 per share 128,340 $ 10.55 D  
Common Stock Option (right to buy) 07/21/2011 07/20/2018 Common Stock, par value $0.01 per share 36,660 $ 13.21 D  
Common Stock Option (right to buy) 07/21/2012 07/20/2018 Common Stock, par value $0.01 per share 146,670 $ 13.21 D  
Common Stock Option (right to buy) 02/27/2015 02/27/2022 Common Stock, par value $0.01 per share 29,182 $ 13.83 D  
Common Stock Option (right to buy) 07/21/2012 07/20/2018 Common Stock, par value $0.01 per share 18,330 $ 15.88 D  
Common Stock Option (right to buy) 07/21/2013 07/20/2018 Common Stock, par value $0.01 per share 165,000 $ 15.88 D  

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
Surface John S
C/O EVERBANK FINANCIAL CORP
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
      Executive VP, Corp Development  

Signatures

/s/ Jean Marc Corredor as Attorney-in-Fact for John S. Surface 05/02/2012
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, See Instruction 6 for procedure.

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