Raymond James Bank Mortgage Rates, Fees & Info
St. Petersburg, FLLEI: ZXMJHJK466PBZTM5F379
Tax ID: 59-3244348
5 stars - Updated: 4/21/24
-
out of 5 stars, based on 39 reviews
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Raymond James Bank is a small bank specializing in Home Purchase and Other loans. Raymond James Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: New York, Miami, Tampa, Los Angeles, and Dallas among others. We have data for 236 markets. (Some data included below & more in-depth data is available with an active subscription.)Raymond James Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Raymond James Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.31% | 4/21/24 |
| 30 Year Conventional Refi | 6.62% | 4/21/24 |
| 30 Year Cash-out Refi | 6.52% | 4/21/24 |
| 30 Year FHA Purchase | 7.11% | 4/21/24 |
| 30 Year VA Purchase | 6.27% | 4/21/24 |
| 15 Year Conventional Purchase | 5.48% | 4/21/24 |
| 15 Year Conventional Refi | 6.33% | 4/21/24 |
| 15 Year Cash-out Refi | 6.33% | 4/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Raymond James Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Raymond James Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,517Origination Dollar Volume (All Markets)
$1,369,545,000Awards
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Raymond James Bank - 2023
Raymond James Bank is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Raymond James Bank's average 30 year fixed mortgage rate was
5.45%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -1.03%.
Relative Fees (Closing Costs)
Raymond James Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,634.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 70 | $92,150,000 | $1,316,429 | $7,717 | 5.30% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 78 | $89,330,000 | $1,145,256 | $8,210 | 5.36% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 103 | $78,365,000 | $760,825 | $6,047 | 5.14% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 44 | $72,120,000 | $1,639,091 | $7,416 | 5.37% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 65 | $54,515,000 | $838,692 | $8,188 | 5.28% |
| Outside of Metro Areas | 57 | $46,805,000 | $821,140 | $4,481 | 5.39% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 37 | $33,465,000 | $904,459 | $5,071 | 5.59% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 20 | $29,790,000 | $1,489,500 | $5,519 | 5.36% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 27 | $28,145,000 | $1,042,407 | $7,443 | 5.26% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 22 | $27,540,000 | $1,251,818 | $5,516 | 5.59% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 32 | $24,050,000 | $751,563 | $5,148 | 5.26% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 27 | $23,765,000 | $880,185 | $6,827 | 5.48% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 34 | $23,730,000 | $697,941 | $6,678 | 5.32% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 26 | $22,820,000 | $877,692 | $5,190 | 5.41% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 22 | $22,300,000 | $1,013,636 | $8,684 | 5.13% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 15 | $21,665,000 | $1,444,333 | $6,856 | 5.41% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 16 | $19,150,000 | $1,196,875 | $4,499 | 5.31% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 21 | $18,335,000 | $873,095 | $5,204 | 5.64% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 16 | $16,480,000 | $1,030,000 | $7,750 | 5.48% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 11 | $15,955,000 | $1,450,455 | $7,119 | 4.95% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 20 | $15,830,000 | $791,500 | $6,116 | 5.32% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 18 | $14,400,000 | $800,000 | $3,689 | 5.60% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 8 | $14,320,000 | $1,790,000 | $8,667 | 5.31% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 21 | $14,035,000 | $668,333 | $3,975 | 5.64% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 21 | $13,775,000 | $655,952 | $3,162 | 5.45% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 10 | $13,740,000 | $1,374,000 | $5,216 | 5.49% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 16 | $12,830,000 | $801,875 | $5,790 | 5.90% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 13 | $12,215,000 | $939,615 | $7,528 | 5.21% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 7 | $11,875,000 | $1,696,429 | $14,410 | 4.93% |
| Heber, UT (FHA|USDA|VA) | 8 | $11,720,000 | $1,465,000 | $4,608 | 5.28% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 6 | $11,720,000 | $1,953,333 | $4,258 | 5.90% |
| SALINAS, CA (FHA|USDA|VA) | 6 | $11,320,000 | $1,886,667 | $4,453 | 5.19% |
| Jackson, WY-ID (FHA|USDA|VA) | 3 | $10,375,000 | $3,458,333 | $13,369 | 5.71% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 19 | $9,915,000 | $521,842 | $4,421 | 5.51% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $9,270,000 | $2,317,500 | $6,281 | 5.91% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $9,210,000 | $1,535,000 | $8,431 | 5.65% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 7 | $9,185,000 | $1,312,143 | $7,196 | 5.46% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 12 | $9,070,000 | $755,833 | $4,820 | 5.55% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 8 | $8,970,000 | $1,121,250 | $4,047 | 5.58% |
| Bozeman, MT (FHA|USDA|VA) | 4 | $8,690,000 | $2,172,500 | $9,216 | 5.69% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 11 | $8,685,000 | $789,545 | $6,571 | 5.59% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 8 | $8,320,000 | $1,040,000 | $3,840 | 5.27% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $7,880,000 | $1,970,000 | $11,087 | 5.50% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 13 | $7,435,000 | $571,923 | $3,230 | 5.60% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 4 | $7,210,000 | $1,802,500 | $11,064 | 5.50% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 11 | $7,135,000 | $648,636 | $2,778 | 5.47% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 8 | $7,010,000 | $876,250 | $3,219 | 5.44% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 13 | $6,755,000 | $519,615 | $3,226 | 5.92% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 9 | $6,315,000 | $701,667 | $4,259 | 5.18% |
| BOISE CITY, ID (FHA|USDA|VA) | 6 | $6,260,000 | $1,043,333 | $5,173 | 5.00% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $6,065,000 | $2,021,667 | $10,522 | 5.42% |
| LOUISVILLE, KY (FHA|USDA|VA) | 11 | $6,005,000 | $545,909 | $3,395 | 5.40% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 9 | $5,985,000 | $665,000 | $3,395 | 5.96% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 6 | $5,900,000 | $983,333 | $5,181 | 5.42% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 13 | $5,775,000 | $444,231 | $3,028 | 5.71% |
| COLUMBUS, OH (FHA|USDA|VA) | 7 | $5,755,000 | $822,143 | $4,777 | 5.63% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $5,630,000 | $703,750 | $3,449 | 5.72% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $5,495,000 | $1,831,667 | $7,786 | 5.79% |
| Vineyard Haven, MA (FHA|USDA|VA) | 2 | $5,390,000 | $2,695,000 | $11,156 | 5.26% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $5,170,000 | $2,585,000 | $8,907 | 5.50% |
| Key West, FL (FHA|USDA|VA) | 1 | $5,135,000 | $5,135,000 | $26,839 | 5.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 7 | $5,075,000 | $725,000 | $5,761 | 5.50% |
| TULSA, OK (FHA|USDA|VA) | 5 | $5,075,000 | $1,015,000 | $7,116 | 5.28% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 8 | $5,050,000 | $631,250 | $3,854 | 5.34% |
| FORT COLLINS, CO (FHA|USDA|VA) | 5 | $4,915,000 | $983,000 | $3,439 | 5.48% |
| KNOXVILLE, TN (FHA|USDA|VA) | 6 | $4,850,000 | $808,333 | $5,266 | 5.90% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 10 | $4,760,000 | $476,000 | $4,200 | 5.81% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 11 | $4,755,000 | $432,273 | $2,876 | 5.76% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 7 | $4,695,000 | $670,714 | $4,411 | 6.04% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $4,560,000 | $570,000 | $5,198 | 5.22% |
| RENO, NV (FHA|USDA|VA) | 5 | $4,305,000 | $861,000 | $4,469 | 5.68% |
| Brookings, OR (FHA|USDA|VA) | 2 | $4,220,000 | $2,110,000 | $11,412 | 4.63% |
| RICHMOND, VA (FHA|USDA|VA) | 7 | $4,045,000 | $577,857 | $3,794 | 5.75% |
| Cullowhee, NC (FHA|USDA|VA) | 5 | $4,025,000 | $805,000 | $5,170 | 4.88% |
| ST. GEORGE, UT (FHA|USDA|VA) | 3 | $3,975,000 | $1,325,000 | $6,668 | 5.08% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $3,840,000 | $960,000 | $5,157 | 5.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 6 | $3,700,000 | $616,667 | $4,235 | 5.69% |
| KINGSTON, NY (FHA|USDA|VA) | 3 | $3,685,000 | $1,228,333 | $12,881 | 6.21% |
| Edwards, CO (FHA|USDA|VA) | 3 | $3,475,000 | $1,158,333 | $3,595 | 6.21% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $3,460,000 | $576,667 | $3,845 | 6.04% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $3,425,000 | $1,141,667 | $4,627 | 5.21% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $3,410,000 | $852,500 | $3,443 | 5.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 5 | $3,405,000 | $681,000 | $5,836 | 5.60% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $3,285,000 | $1,095,000 | $4,880 | 5.38% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $3,145,000 | $629,000 | $3,232 | 5.40% |
| PITTSBURGH, PA (FHA|USDA|VA) | 5 | $2,975,000 | $595,000 | $6,090 | 5.20% |
| PITTSFIELD, MA (FHA|USDA|VA) | 3 | $2,935,000 | $978,333 | $7,354 | 5.13% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $2,920,000 | $1,460,000 | $4,552 | 6.00% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 5 | $2,855,000 | $571,000 | $2,791 | 5.58% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 5 | $2,725,000 | $545,000 | $4,445 | 5.43% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $2,630,000 | $1,315,000 | $5,928 | 5.19% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 4 | $2,540,000 | $635,000 | $4,861 | 5.06% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 5 | $2,525,000 | $505,000 | $2,510 | 5.53% |
| Oak Harbor, WA (FHA|USDA|VA) | 3 | $2,295,000 | $765,000 | $4,487 | 5.33% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $2,295,000 | $459,000 | $2,689 | 5.68% |
| Oxford, MS (FHA|USDA|VA) | 4 | $2,260,000 | $565,000 | $3,715 | 5.22% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $2,255,000 | $451,000 | $3,404 | 5.28% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 4 | $2,250,000 | $562,500 | $3,058 | 5.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $2,155,000 | $718,333 | $3,483 | 6.04% |
| PEORIA, IL (FHA|USDA|VA) | 4 | $2,060,000 | $515,000 | $2,339 | 5.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $2,005,000 | $401,000 | $4,746 | 5.53% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 4 | $1,980,000 | $495,000 | $4,395 | 5.84% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $1,950,000 | $487,500 | $4,374 | 5.59% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $1,910,000 | $955,000 | $6,936 | 4.31% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 5 | $1,905,000 | $381,000 | $4,209 | 5.48% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $1,890,000 | $945,000 | $4,166 | 5.69% |
| Athens, TX (FHA|USDA|VA) | 3 | $1,865,000 | $621,667 | $6,265 | 5.46% |
| ANN ARBOR, MI (FHA|USDA|VA) | 4 | $1,850,000 | $462,500 | $2,783 | 5.09% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 3 | $1,785,000 | $595,000 | $4,487 | 5.54% |
| SANTA FE, NM (FHA|USDA|VA) | 3 | $1,755,000 | $585,000 | $3,465 | 5.38% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $1,755,000 | $1,755,000 | $8,762 | 5.13% |
| BRUNSWICK, GA (FHA|USDA|VA) | 3 | $1,745,000 | $581,667 | $3,936 | 5.46% |
| RAPID CITY, SD (FHA|USDA|VA) | 2 | $1,710,000 | $855,000 | $6,072 | 4.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $1,645,000 | $548,333 | $2,714 | 6.08% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $1,605,000 | $535,000 | $4,809 | 6.17% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 4 | $1,600,000 | $400,000 | $2,737 | 6.13% |
| Outside of Metro Areas | 3 | $1,595,000 | $531,667 | $3,923 | 5.33% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $1,585,000 | $528,333 | $3,755 | 5.50% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $1,505,000 | $501,667 | $4,831 | 4.92% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $1,500,000 | $375,000 | $3,194 | 5.78% |
| CLEVELAND, TN (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $3,905 | 5.50% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $1,445,000 | $481,667 | $3,451 | 6.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $1,420,000 | $710,000 | $3,377 | 5.00% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $1,375,000 | $1,375,000 | $6,311 | 6.00% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $1,355,000 | $451,667 | $4,356 | 5.46% |
| LINCOLN, NE (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $2,609 | 6.21% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $2,583 | 6.33% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,200,000 | $600,000 | $2,785 | 5.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $1,180,000 | $590,000 | $3,583 | 5.94% |
| Boone, NC (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $5,081 | 5.56% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $2,540 | 5.75% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $3,702 | 5.88% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $3,724 | 5.19% |
| Hudson, NY (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $4,456 | 6.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $10,551 | 4.75% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $5,033 | 5.81% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $2,862 | 5.44% |
| Hilo, HI (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $6,190 | 6.50% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $5,309 | 6.50% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $1,959 | 5.25% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $4,182 | 5.50% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $7,543 | 6.25% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $5,592 | 6.13% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $2,702 | 5.69% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $3,020 | 4.94% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $5,224 | 6.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $2,948 | 5.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $6,340 | 4.69% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $5,392 | 5.00% |
| Bonham, TX (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $5,096 | 5.88% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $6,637 | 5.25% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $1,836 | 6.38% |
| Holland, MI (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $3,632 | 6.56% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $4,078 | 4.88% |
| Ruston, LA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,559 | 5.50% |
| MADISON, WI (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,401 | 5.81% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $6,723 | 4.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $3,131 | 5.50% |
| Cullman, AL (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $5,448 | 6.13% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $3,839 | 5.25% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $5,145 | 5.25% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $6,208 | 4.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $5,672 | 4.50% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $3,705 | 5.13% |
| Easton, MD (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $1,955 | 6.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $3,755 | 6.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $2,883 | 4.88% |
| Paris, TN (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $3,391 | 5.88% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $3,854 | 6.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $2,908 | 6.44% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $4,411 | 6.13% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,339 | 4.88% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,189 | 4.63% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,811 | 4.50% |
| Astoria, OR (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,563 | 5.00% |
| Meadville, PA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $5,255 | 6.38% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $1,705 | 5.88% |
| NILES, MI (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,495 | 7.25% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,618 | 4.63% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,462 | 4.75% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,040 | 5.25% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,523 | 5.13% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,968 | 6.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,388 | 6.13% |
| Helena, MT (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,233 | 4.88% |
| Seneca, SC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,172 | 6.25% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $1,708 | 7.00% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,785 | 4.88% |
| Washington, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,983 | 5.63% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,393 | 6.75% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,903 | 6.00% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,987 | 5.88% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,565 | 5.13% |
| Oskaloosa, IA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,040 | 6.13% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,069 | 5.81% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,258 | 5.94% |
| Sidney, OH (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,644 | 4.50% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,508 | 7.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,991 | 4.63% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,718 | 7.00% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,743 | 6.38% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,012 | 6.25% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,229 | 5.00% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,799 | 6.88% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,115 | 6.50% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,067 | 5.25% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,985 | 6.13% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,363 | 5.13% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,495 | 6.38% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,323 | 5.88% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,081 | 5.88% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,106 | 5.63% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,131 | 5.00% |
| Concord, NH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,098 | 5.50% |
| Brenham, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,577 | 6.63% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,324 | 6.38% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,244 | 6.88% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,272 | 5.50% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,634 | 6.25% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,529 | 6.50% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,826 | 6.38% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,085 | 6.00% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,320 | 5.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,055 | 7.25% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,313 | 5.13% |
| Auburn, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,438 | 5.88% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,758 | 5.25% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,791 | 5.25% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,739 | 5.25% |
| Celina, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,794 | 6.13% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,395 | 6.38% |
| BEND, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,040 | 7.13% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,555 | 5.63% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,292 | 5.50% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,201 | 7.25% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,333 | 5.25% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,508 | $1,366,580,000 | $906,220 | $5,605 | 5.45% |
| FHA | 9 | $2,965,000 | $329,444 | $10,372 | 6.40% |
For 2023, Raymond James Bank's most frequently originated type of loan was Conventional, with 1,508 originations. Their 2nd most popular type was FHA, with 9 originations.
Loan Reason
For 2023, Raymond James Bank's most frequently cited loan purpose was Home Purchase, with 1,053 originations. The 2nd most popular reason was Other, with 327 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 1,515 | $1,359,525,000 | $897,376 | $5,634 | 5.45% |
| 10 Year | 2 | $10,020,000 | $5,010,000 | $0 | 6.42% |
For 2023, Raymond James Bank's most frequently cited loan duration was 30 Year, with 1,515 originations. The 2nd most popular length was 10 Year, with 2 originations.
Origination Fees/Closing Costs
Raymond James Bank's average total fees were $5,634, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,191 originations.
Interest Rates
During 2023, Raymond James Bank's average interest rate for loans was 5.45%, while their most frequently originated rate bucket for loans was 5-6%, with 661 originations.
Loan Sizing
2023 saw Raymond James Bank place emphasis on $600k-1MM loans with 450 originations, totaling $332,760,000 in origination value.
Applicant Income
Raymond James Bank lent most frequently to those with incomes in the $250k+ range, with 1,034 originations. The second most popular income band? $150k-250k, with 301 originations.
Applicant Debt to Income Ratio
Raymond James Bank lent most frequently to those with DTI ratios of 20-30%, with 352 originations. The next most common DTI ratio? 30-36%, with 282 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.30%
Raymond James Bank has an average approval rate.
Pick Rate
Approvals leading to origination85.37%
Raymond James Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,517 | $1,369,545,000 | $902,798 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1,517 | $1,369,545,000 | $902,798 |