Raymond James Bank Mortgage Rates, Fees & Info

St. Petersburg, FL

LEI: ZXMJHJK466PBZTM5F379

Tax ID: 59-3244348

5 stars - Updated: 4/13/24 - 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% 4/13/24
30 Year Conventional Refi 6.62% 4/13/24
30 Year Cash-out Refi 6.52% 4/13/24
30 Year FHA Purchase 7.11% 4/13/24
30 Year VA Purchase 6.27% 4/13/24
15 Year Conventional Purchase 5.48% 4/13/24
15 Year Conventional Refi 6.33% 4/13/24
15 Year Cash-out Refi 6.33% 4/13/24
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

1,517

Origination Dollar Volume (All Markets)

$1,369,545,000
Show all (60) awards

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%
Raymond James Bank's top markets include New York, Miami, Tampa, Los Angeles, and Dallas among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
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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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,053 $899,075,000 $853,822 $5,882 5.47%
    Other 327 $335,455,000 $1,025,856 $5,091 5.37%
    Cash Out Refi 67 $76,975,000 $1,148,881 $5,588 5.46%
    Refi 50 $45,720,000 $914,400 $4,780 5.51%
    Home Improvement 20 $12,320,000 $616,000 $3,721 5.51%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,191 $1,160,495,000 $974,387
    $1k-2k 303 $165,065,000 $544,769
    $5k+ 12 $25,200,000 $2,100,000
    $2k-3k 5 $3,905,000 $781,000
    $3k-4k 2 $2,280,000 $1,140,000
    $4k-5k 2 $2,580,000 $1,290,000

    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

    Loan Rate Originations Total Value Average Loan
    5-6% 661 $622,125,000 $941,188
    4-5% 478 $488,670,000 $1,022,322
    6-7% 339 $231,155,000 $681,873
    7-8% 18 $14,130,000 $785,000
    <2.5% 12 $170,000 $14,167
    3-4% 7 $9,775,000 $1,396,429
    2.5-3% 2 $3,520,000 $1,760,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $600k-1MM 450 $332,760,000 $739,467 $5,193 5.44%
    $1MM+ 390 $783,960,000 $2,010,154 $9,379 5.29%
    $400k-600k 313 $157,215,000 $502,284 $4,222 5.44%
    $200k-400k 283 $85,005,000 $300,371 $3,592 5.81%
    $100k-200k 63 $10,005,000 $158,810 $3,176 5.96%
    $100,000 or less 18 $600,000 $33,333 $892 2.10%

    2023 saw Raymond James Bank place emphasis on $600k-1MM loans with 450 originations, totaling $332,760,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 1,034 $1,161,050,000 $1,122,872 $6,385 5.42%
    $150k-250k 301 $147,165,000 $488,920 $4,215 5.57%
    $100k-150k 105 $35,345,000 $336,619 $3,788 5.69%
    $50k-75k 36 $5,680,000 $157,778 $3,385 4.63%
    $75k-100k 32 $6,700,000 $209,375 $3,384 5.32%
    $50k or less 4 $450,000 $112,500 $3,044 6.47%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 352 $294,850,000 $837,642 $5,291 5.48%
    30-36% 282 $232,180,000 $823,333 $5,202 5.56%
    <20% 197 $156,125,000 $792,513 $5,057 5.46%
    39% 68 $68,080,000 $1,001,176 $6,117 5.37%
    40% 64 $67,960,000 $1,061,875 $6,042 5.31%
    42% 58 $48,110,000 $829,483 $5,618 5.53%
    41% 56 $46,070,000 $822,679 $5,367 5.27%
    43% 54 $44,990,000 $833,148 $5,781 5.69%
    44% 54 $61,760,000 $1,143,704 $6,336 5.46%
    38% 52 $48,910,000 $940,577 $6,070 5.44%
    36% 52 $44,050,000 $847,115 $5,708 5.39%
    37% 47 $44,755,000 $952,234 $5,673 5.35%
    49% 39 $41,095,000 $1,053,718 $6,427 5.29%
    47% 35 $34,645,000 $989,857 $6,513 5.10%
    45% 33 $24,575,000 $744,697 $5,114 5.33%
    46% 26 $21,620,000 $831,538 $5,516 5.35%
    48% 25 $32,725,000 $1,309,000 $8,157 5.26%
    50-60% 20 $40,420,000 $2,021,000 $11,745 5.47%
    >60% 1 $6,605,000 $6,605,000 $17,096 6.13%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,269 $1,134,395,000 $893,928 $5,492 5.46%
    Not provided 157 $140,575,000 $895,382 $5,883 5.53%
    Asian 45 $46,275,000 $1,028,333 $7,989 5.13%
    Black 34 $26,090,000 $767,353 $5,712 4.97%
    Not applicable 2 $10,020,000 $5,010,000 $0 6.42%
    American Indian 3 $6,715,000 $2,238,333 $13,879 6.00%
    Asian Indian 6 $3,470,000 $578,333 $6,648 5.33%
    Native Hawaiian or Islander 1 $2,005,000 $2,005,000 $6,443 4.50%

    Approval Rates

    Total approvals of all applications
    94.30%

    Raymond James Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.37%

    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

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 139 $89,875,000 $646,583 $4,915 5.63%
    40-60% 257 $238,685,000 $928,735 $5,696 5.48%
    60-80% 701 $708,655,000 $1,010,920 $6,084 5.49%
    80-100% 392 $325,980,000 $831,582 $5,296 5.45%
    Under 20% 28 $6,350,000 $226,786 $2,080 3.41%