Raymond James Bank Mortgage Rates, Fees & Info

St. Petersburg, FL

LEI: ZXMJHJK466PBZTM5F379

Tax ID: 59-3244348

5 stars - out of 5 stars, based on 40 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Raymond James Bank is a small bank specializing in Home Purchase, Refi, 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 include Los Angeles, Miami, New York, Tampa, and Dallas among others. Raymond James Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Raymond James Bank is typically an average fee lendor.


Originations

1,573

Origination Dollar Volume (All Markets)

$1,587,585,000

Employee count

287 Show all (27) awards

Relative Rate

Raymond James Bank's average 30 year fixed rate mortgage of loans were 2.85%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.3%.

Relative Fees

Raymond James Bank's average total fees for a 30 year fixed rate mortgage are $5,278.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 80 $164,470,000 $2,055,875 $6,173 2.74%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 108 $143,350,000 $1,327,315 $7,834 2.86%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 93 $107,745,000 $1,158,548 $6,250 2.88%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 126 $73,220,000 $581,111 $4,550 2.40%
Outside of Metro Areas 56 $67,600,000 $1,207,143 $5,622 2.81%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 48 $56,200,000 $1,170,833 $8,032 2.93%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 31 $53,995,000 $1,741,774 $4,494 2.74%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 31 $33,355,000 $1,075,968 $8,950 2.91%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 33 $32,595,000 $987,727 $7,746 2.81%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 27 $31,455,000 $1,165,000 $7,079 2.86%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 32 $29,630,000 $925,938 $4,092 2.89%
Heber, UT (FHA|USDA|VA) 14 $28,140,000 $2,010,000 $5,493 2.67%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 21 $28,055,000 $1,335,952 $5,876 2.70%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 20 $27,910,000 $1,395,500 $6,467 2.80%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 28 $26,720,000 $954,286 $5,856 2.87%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 36 $24,690,000 $685,833 $3,910 3.03%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 27 $24,035,000 $890,185 $4,240 2.92%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 30 $22,430,000 $747,667 $5,197 2.78%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 19 $20,875,000 $1,098,684 $4,198 2.84%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 24 $19,970,000 $832,083 $3,572 2.96%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 16 $17,330,000 $1,083,125 $4,330 2.85%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 23 $16,035,000 $697,174 $4,336 3.02%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 15 $16,025,000 $1,068,333 $5,306 2.93%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 26 $15,740,000 $605,385 $2,818 2.95%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 11 $15,485,000 $1,407,727 $3,815 2.69%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $14,630,000 $3,657,500 $5,365 2.53%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 15 $13,665,000 $911,000 $4,505 2.76%
JACKSONVILLE, FL (FHA|USDA|VA) 17 $13,655,000 $803,235 $5,668 2.94%
RENO, NV (FHA|USDA|VA) 2 $12,850,000 $6,425,000 $9,363 2.56%
OCEAN CITY, NJ (FHA|USDA|VA) 5 $12,305,000 $2,461,000 $8,386 2.75%
Edwards, CO (FHA|USDA|VA) 5 $11,885,000 $2,377,000 $4,734 2.58%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 10 $11,090,000 $1,109,000 $4,674 3.01%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 14 $10,740,000 $767,143 $2,895 2.79%
Key West, FL (FHA|USDA|VA) 5 $10,005,000 $2,001,000 $11,020 2.73%
Kalispell, MT (FHA|USDA|VA) 5 $9,745,000 $1,949,000 $7,294 2.60%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $9,585,000 $1,369,286 $7,430 2.82%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 11 $9,265,000 $842,273 $4,229 2.78%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 17 $9,115,000 $536,176 $4,260 2.88%
WILMINGTON, NC (FHA|USDA|VA) 7 $7,345,000 $1,049,286 $4,002 2.93%
ASHEVILLE, NC (FHA|USDA|VA) 9 $7,205,000 $800,556 $3,690 2.74%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 8 $7,190,000 $898,750 $3,176 2.94%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 6 $7,180,000 $1,196,667 $4,225 2.67%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 11 $7,045,000 $640,455 $4,007 2.81%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 7 $6,855,000 $979,286 $2,806 2.79%
Glenwood Springs, CO (FHA|USDA|VA) 2 $6,740,000 $3,370,000 $10,662 2.56%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 7 $6,675,000 $953,571 $5,482 2.91%
ST. LOUIS, MO-IL (FHA|USDA|VA) 9 $6,415,000 $712,778 $2,672 2.85%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 6 $6,160,000 $1,026,667 $3,588 2.90%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 11 $6,135,000 $557,727 $4,806 3.07%
Hailey, ID (FHA|USDA|VA) 3 $6,075,000 $2,025,000 $6,895 2.96%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 9 $5,575,000 $619,444 $3,288 3.13%
SALT LAKE CITY, UT (FHA|USDA|VA) 7 $5,055,000 $722,143 $3,253 2.79%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $4,900,000 $1,225,000 $4,810 2.81%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 6 $4,870,000 $811,667 $4,534 2.65%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 10 $4,830,000 $483,000 $2,990 2.93%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $4,780,000 $2,390,000 $10,176 2.88%
OCALA, FL (FHA|USDA|VA) 6 $4,750,000 $791,667 $5,872 3.40%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $4,735,000 $676,429 $5,702 2.73%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $4,480,000 $1,120,000 $4,816 2.75%
RALEIGH-CARY, NC (FHA|USDA|VA) 8 $4,460,000 $557,500 $2,501 2.92%
SALISBURY, MD-DE (FHA|USDA|VA) 7 $4,215,000 $602,143 $3,681 3.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $4,030,000 $671,667 $3,714 2.96%
RICHMOND, VA (FHA|USDA|VA) 7 $3,905,000 $557,857 $3,233 2.98%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 5 $3,735,000 $747,000 $3,343 2.75%
PORT ST. LUCIE, FL (FHA|USDA|VA) 7 $3,665,000 $523,571 $4,364 3.16%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 8 $3,660,000 $457,500 $2,263 3.00%
PROVO-OREM, UT (FHA|USDA|VA) 1 $3,615,000 $3,615,000 $6,966 2.63%
SANTA FE, NM (FHA|USDA|VA) 5 $3,585,000 $717,000 $4,095 2.83%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $3,550,000 $887,500 $3,864 2.97%
SALINAS, CA (FHA|USDA|VA) 4 $3,540,000 $885,000 $2,713 2.63%
Jackson, WY-ID (FHA|USDA|VA) 4 $3,500,000 $875,000 $3,111 2.63%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $3,450,000 $575,000 $4,116 2.94%
PANAMA CITY, FL (FHA|USDA|VA) 3 $3,425,000 $1,141,667 $7,208 2.88%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $3,390,000 $565,000 $3,826 2.85%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $3,275,000 $1,091,667 $8,715 2.54%
SAVANNAH, GA (FHA|USDA|VA) 6 $3,240,000 $540,000 $3,382 2.94%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $3,220,000 $805,000 $2,724 3.19%
Whitewater, WI (FHA|USDA|VA) 3 $3,205,000 $1,068,333 $2,986 2.83%
Laconia, NH (FHA|USDA|VA) 4 $3,120,000 $780,000 $3,557 2.97%
Holland, MI (FHA|USDA|VA) 2 $3,110,000 $1,555,000 $4,467 3.19%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $3,055,000 $1,018,333 $3,553 2.92%
Brevard, NC (FHA|USDA|VA) 3 $3,045,000 $1,015,000 $2,851 2.96%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $3,005,000 $1,001,667 $6,936 3.25%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $3,000,000 $750,000 $8,114 2.84%
Kill Devil Hills, NC (FHA|USDA|VA) 3 $2,965,000 $988,333 $4,725 3.08%
PITTSFIELD, MA (FHA|USDA|VA) 3 $2,915,000 $971,667 $4,509 2.75%
FORT COLLINS, CO (FHA|USDA|VA) 3 $2,775,000 $925,000 $2,892 3.04%
GAINESVILLE, GA (FHA|USDA|VA) 2 $2,560,000 $1,280,000 $5,756 2.69%
Lebanon, NH-VT (FHA|USDA|VA) 2 $2,430,000 $1,215,000 $6,352 3.06%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $2,355,000 $785,000 $3,504 2.58%
Hilo, HI (FHA|USDA|VA) 2 $2,320,000 $1,160,000 $7,181 2.44%
NILES, MI (FHA|USDA|VA) 2 $2,270,000 $1,135,000 $3,267 3.25%
COLUMBUS, OH (FHA|USDA|VA) 7 $2,075,000 $296,429 $2,845 3.34%
Astoria, OR (FHA|USDA|VA) 3 $2,045,000 $681,667 $4,367 2.88%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 3 $2,025,000 $675,000 $3,913 2.96%
Kapaa, HI (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $5,732 2.50%
Morehead City, NC (FHA|USDA|VA) 2 $1,800,000 $900,000 $4,158 2.88%
ANN ARBOR, MI (FHA|USDA|VA) 3 $1,775,000 $591,667 $3,599 3.00%
KNOXVILLE, TN (FHA|USDA|VA) 3 $1,685,000 $561,667 $3,634 3.00%
BOULDER, CO (FHA|USDA|VA) 2 $1,680,000 $840,000 $2,932 2.81%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 5 $1,675,000 $335,000 $2,589 3.30%
Traverse City, MI (FHA|USDA|VA) 3 $1,645,000 $548,333 $3,124 2.92%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $1,635,000 $545,000 $3,057 3.17%
HUNTSVILLE, AL (FHA|USDA|VA) 5 $1,635,000 $327,000 $2,402 3.18%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $1,625,000 $541,667 $2,378 3.04%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $1,600,000 $800,000 $4,826 2.81%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $1,590,000 $397,500 $3,710 2.97%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $1,550,000 $775,000 $5,188 2.69%
Georgetown, SC (FHA|USDA|VA) 3 $1,525,000 $508,333 $3,073 3.46%
Oxford, MS (FHA|USDA|VA) 2 $1,520,000 $760,000 $4,432 3.00%
PITTSBURGH, PA (FHA|USDA|VA) 2 $1,510,000 $755,000 $3,950 2.88%
BEND, OR (FHA|USDA|VA) 3 $1,485,000 $495,000 $4,071 3.00%
Torrington, CT (FHA|USDA|VA) 3 $1,485,000 $495,000 $3,614 2.67%
BATON ROUGE, LA (FHA|USDA|VA) 2 $1,460,000 $730,000 $3,660 3.00%
FRESNO, CA (FHA|USDA|VA) 2 $1,440,000 $720,000 $3,369 2.75%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,400,000 $700,000 $2,304 2.56%
NAPA, CA (FHA|USDA|VA) 1 $1,395,000 $1,395,000 $3,228 2.88%
Montrose, CO (FHA|USDA|VA) 2 $1,350,000 $675,000 $3,938 3.25%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $1,345,000 $448,333 $3,779 2.83%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $1,270,000 $635,000 $4,498 3.00%
BOISE CITY, ID (FHA|USDA|VA) 3 $1,245,000 $415,000 $3,171 3.25%
Easton, MD (FHA|USDA|VA) 2 $1,240,000 $620,000 $3,888 3.00%
Seneca, SC (FHA|USDA|VA) 2 $1,240,000 $620,000 $3,442 2.81%
KINGSTON, NY (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $11,098 2.75%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $1,200,000 $600,000 $2,926 3.19%
FLORENCE, SC (FHA|USDA|VA) 2 $1,190,000 $595,000 $2,646 2.56%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $1,180,000 $590,000 $1,955 2.94%
Athens, TX (FHA|USDA|VA) 1 $1,165,000 $1,165,000 $8,296 3.13%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $1,150,000 $575,000 $2,019 3.19%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $1,125,000 $1,125,000 $6,017 2.50%
Outside of Metro Areas 1 $1,115,000 $1,115,000 $6,267 3.13%
SIOUX FALLS, SD (FHA|USDA|VA) 2 $1,070,000 $535,000 $2,240 2.81%
LANCASTER, PA (FHA|USDA|VA) 1 $1,055,000 $1,055,000 $7,705 3.00%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,020,000 $510,000 $2,873 2.81%
FARGO, ND-MN (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $3,459 2.88%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $2,822 2.63%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $4,042 2.75%
GAINESVILLE, FL (FHA|USDA|VA) 1 $995,000 $995,000 $7,547 2.75%
Boone, NC (FHA|USDA|VA) 1 $945,000 $945,000 $3,752 2.88%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $940,000 $470,000 $2,819 2.63%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $935,000 $935,000 $4,139 2.50%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $930,000 $465,000 $4,677 3.69%
TUCSON, AZ (FHA|USDA|VA) 3 $905,000 $301,667 $2,918 3.54%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $900,000 $450,000 $3,604 3.00%
ROANOKE, VA (FHA|USDA|VA) 2 $880,000 $440,000 $2,902 2.81%
Bedford, IN (FHA|USDA|VA) 1 $865,000 $865,000 $3,043 3.13%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $830,000 $415,000 $2,777 3.31%
Vineyard Haven, MA (FHA|USDA|VA) 1 $805,000 $805,000 $3,735 2.75%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $805,000 $805,000 $6,357 3.13%
AKRON, OH (FHA|USDA|VA) 1 $805,000 $805,000 $3,708 2.75%
Breckenridge, CO (FHA|USDA|VA) 1 $805,000 $805,000 $2,288 2.88%
PEORIA, IL (FHA|USDA|VA) 1 $795,000 $795,000 $2,819 2.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $780,000 $390,000 $2,824 2.75%
Steamboat Springs, CO (FHA|USDA|VA) 1 $775,000 $775,000 $2,804 2.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $755,000 $755,000 $3,710 2.88%
Durango, CO (FHA|USDA|VA) 1 $745,000 $745,000 $3,291 2.88%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $745,000 $745,000 $1,514 2.75%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $735,000 $735,000 $5,240 3.13%
MISSOULA, MT (FHA|USDA|VA) 1 $735,000 $735,000 $4,512 2.75%
Elko, NV (FHA|USDA|VA) 1 $735,000 $735,000 $4,853 2.88%
Sulphur Springs, TX (FHA|USDA|VA) 1 $735,000 $735,000 $6,291 2.63%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $735,000 $735,000 $3,546 3.00%
COLUMBUS, IN (FHA|USDA|VA) 1 $705,000 $705,000 $1,660 2.50%
FLINT, MI (FHA|USDA|VA) 1 $705,000 $705,000 $2,618 2.88%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $690,000 $345,000 $2,198 2.56%
BRUNSWICK, GA (FHA|USDA|VA) 1 $675,000 $675,000 $4,601 2.88%
Taos, NM (FHA|USDA|VA) 1 $675,000 $675,000 $3,805 2.88%
NEW BERN, NC (FHA|USDA|VA) 1 $665,000 $665,000 $2,297 2.75%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $655,000 $655,000 $3,869 2.88%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $635,000 $635,000 $3,381 3.25%
Concord, NH (FHA|USDA|VA) 1 $635,000 $635,000 $3,464 2.75%
JACKSON, MS (FHA|USDA|VA) 1 $625,000 $625,000 $3,803 2.88%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $605,000 $605,000 $3,148 2.75%
Bozeman, MT (FHA|USDA|VA) 1 $605,000 $605,000 $3,397 2.50%
MADISON, WI (FHA|USDA|VA) 1 $605,000 $605,000 $2,990 2.75%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $575,000 $575,000 $3,139 2.38%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $575,000 $575,000 $3,845 3.13%
ROCHESTER, NY (FHA|USDA|VA) 3 $565,000 $188,333 $3,314 3.58%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $565,000 $565,000 $2,441 2.88%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $555,000 $555,000 $4,025 2.88%
HAMMOND, LA (FHA|USDA|VA) 1 $555,000 $555,000 $3,547 2.63%
COLUMBIA, SC (FHA|USDA|VA) 1 $555,000 $555,000 $2,537 3.00%
Payson, AZ (FHA|USDA|VA) 1 $545,000 $545,000 $4,708 3.00%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $545,000 $545,000 $5,097 3.00%
JONESBORO, AR (FHA|USDA|VA) 1 $525,000 $525,000 $2,848 2.63%
MOBILE, AL (FHA|USDA|VA) 2 $520,000 $260,000 $2,107 3.63%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $515,000 $515,000 $1,178 3.63%
Elizabeth City, NC (FHA|USDA|VA) 2 $500,000 $250,000 $2,880 3.44%
Angola, IN (FHA|USDA|VA) 1 $485,000 $485,000 $1,708 3.00%
CORVALLIS, OR (FHA|USDA|VA) 1 $465,000 $465,000 $3,801 3.75%
Jasper, AL (FHA|USDA|VA) 1 $415,000 $415,000 $3,350 3.25%
MODESTO, CA (FHA|USDA|VA) 1 $395,000 $395,000 $3,373 2.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $395,000 $395,000 $7,829 2.50%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $385,000 $385,000 $2,102 2.75%
ROCKFORD, IL (FHA|USDA|VA) 1 $365,000 $365,000 $2,147 2.88%
Keene, NH (FHA|USDA|VA) 1 $365,000 $365,000 $2,414 3.13%
Warsaw, IN (FHA|USDA|VA) 1 $335,000 $335,000 $1,891 2.50%
Hudson, NY (FHA|USDA|VA) 1 $315,000 $315,000 $5,426 3.50%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $305,000 $305,000 $2,775 2.75%
Paducah, KY-IL (FHA|USDA|VA) 1 $265,000 $265,000 $3,507 3.50%
MONROE, MI (FHA|USDA|VA) 1 $255,000 $255,000 $2,220 2.63%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $245,000 $245,000 $2,184 3.88%
CASPER, WY (FHA|USDA|VA) 1 $245,000 $245,000 $2,481 3.38%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $235,000 $235,000 $4,386 3.13%
KANKAKEE, IL (FHA|USDA|VA) 1 $235,000 $235,000 $1,556 2.63%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $2,467 2.63%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $225,000 $225,000 $1,774 3.50%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $215,000 $215,000 $1,555 3.63%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $215,000 $215,000 $3,549 2.88%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $215,000 $215,000 $1,734 2.63%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $215,000 $215,000 $2,648 3.25%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $205,000 $205,000 $3,106 3.50%
DULUTH, MN-WI (FHA|USDA|VA) 1 $185,000 $185,000 $3,515 3.63%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $185,000 $185,000 $1,948 2.63%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $185,000 $185,000 $2,927 3.75%
Meridian, MS (FHA|USDA|VA) 1 $185,000 $185,000 $3,503 3.25%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $175,000 $175,000 $1,482 3.50%
TULSA, OK (FHA|USDA|VA) 1 $165,000 $165,000 $4,194 3.13%
THE VILLAGES, FL (FHA|USDA|VA) 1 $135,000 $135,000 $3,699 3.00%
Sikeston, MO (FHA|USDA|VA) 1 $125,000 $125,000 $1,782 3.13%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $105,000 $105,000 $3,196 2.50%
TOLEDO, OH (FHA|USDA|VA) 1 $55,000 $55,000 $2,290 3.63%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $55,000 $55,000 $2,036 3.00%

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

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,564 $1,585,590,000 $1,013,804 $5,126 2.84%
FHA 8 $1,760,000 $220,000 $7,219 2.98%
VA 1 $235,000 $235,000 $4,386 3.13%

For the 2021 period, Raymond James Bank's most frequently originated loan type of loans were Conventional, with 1,564 originations. Their 2nd most popular type is FHA, with 8 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 617 $599,085,000 $970,964 $5,691 2.79%
Refi 346 $346,980,000 $1,002,832 $4,634 2.87%
Other 343 $357,335,000 $1,041,793 $4,668 2.83%
Cash Out Refi 246 $264,720,000 $1,076,098 $5,118 2.91%
Home Improvement 21 $19,465,000 $926,905 $4,949 3.11%

For the 2021, Raymond James Bank's most frequently cited loan purpose of loans were Home Purchase, with 617 originations. The 2nd most popular reason of loans were Refi, with 346 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,445 $1,521,595,000 $1,053,007 $5,278 2.85%
15 Year 111 $62,385,000 $562,027 $3,765 2.82%
10 Year 7 $1,865,000 $266,429 $2,564 2.73%
20 Year 6 $1,720,000 $286,667 $2,617 2.90%
5 Year 4 $20,000 $5,000 $0 0.00%

For the 2021, Raymond James Bank's most frequently cited loan length of loans were 30 Year, with 1,445 originations. The 2nd most popular length of loans were 15 Year, with 111 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 1,383 $1,465,115,000 $1,059,375
$1k-2k 183 $117,845,000 $643,962
$3k-4k 3 $1,015,000 $338,333
$5k+ 3 $3,255,000 $1,085,000
$2k-3k 1 $355,000 $355,000

$5,278 of loans were Raymond James Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,383 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 819 $900,995,000 $1,100,116
3-4% 419 $200,425,000 $478,341
<2.5% 329 $484,655,000 $1,473,116
4-5% 6 $1,510,000 $251,667

During 2021, Raymond James Bank's average interest rate of loans were 2.85%, while their most frequently originated rate bucket of loans were 2.5-3%, with 819 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$1MM+ 493 $1,026,665,000 $2,082,485 $8,214 2.69%
$600k-1MM 441 $336,395,000 $762,800 $4,441 2.80%
$400k-600k 270 $140,860,000 $521,704 $3,733 2.93%
$200k-400k 233 $67,875,000 $291,309 $3,229 3.25%
$100k-200k 94 $14,730,000 $156,702 $2,952 3.39%
$100,000 or less 42 $1,060,000 $25,238 $793 0.98%

2021 saw Raymond James Bank place emphasis on $1MM+ loans with 493 originations, totaling $1,026,665,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$250k+ 1,034 $1,365,820,000 $1,320,909 $6,040 2.78%
$150k-250k 255 $148,285,000 $581,510 $3,827 2.99%
$100k-150k 118 $41,870,000 $354,831 $3,312 3.15%
$50k-75k 55 $9,265,000 $168,455 $2,943 2.68%
$75k-100k 55 $15,445,000 $280,818 $3,247 3.20%
$50k or less 49 $4,955,000 $101,122 $2,200 2.37%

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 255 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 410 $376,470,000 $918,220 $4,805 2.86%
30-36% 310 $304,420,000 $982,000 $5,250 2.85%
<20% 277 $245,835,000 $887,491 $4,650 2.84%
41% 63 $70,595,000 $1,120,556 $5,283 2.88%
39% 56 $52,530,000 $938,036 $4,653 2.77%
36% 53 $56,875,000 $1,073,113 $4,887 2.79%
42% 50 $76,170,000 $1,523,400 $6,912 2.74%
40% 50 $55,120,000 $1,102,400 $5,169 2.78%
37% 42 $46,790,000 $1,114,048 $5,942 2.83%
44% 40 $55,250,000 $1,381,250 $6,576 2.86%
45% 34 $33,830,000 $995,000 $5,099 2.88%
50-60% 31 $49,585,000 $1,599,516 $6,893 2.89%
48% 31 $27,885,000 $899,516 $5,091 2.94%
43% 30 $28,730,000 $957,667 $5,338 2.85%
38% 28 $27,530,000 $983,214 $5,229 2.74%
46% 28 $26,570,000 $948,929 $4,833 2.86%
47% 23 $29,125,000 $1,266,304 $5,788 2.78%
49% 13 $19,635,000 $1,510,385 $6,260 2.91%
>60% 4 $4,640,000 $1,160,000 $5,773 2.88%

Raymond James Bank lent most frequently to those with DTI ratios of 20-30%, with 410 originations. The next most common DTI ratio? 30-36%, with 310 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 1,332 $1,293,260,000 $970,916 $5,038 2.85%
Not provided 166 $215,210,000 $1,296,446 $5,766 2.84%
Asian 44 $45,450,000 $1,032,955 $5,418 2.64%
Black 27 $32,025,000 $1,186,111 $6,112 2.67%
Native Hawaiian 2 $1,430,000 $715,000 $2,468 2.88%
American Indian 2 $210,000 $105,000 $1,680 1.81%

Approval Rates

Total approvals of all applications
93.38%

Raymond James Bank has an average approval rate.

Pick Rate

Approvals leading to origination
85.62%

Raymond James Bank has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 1,573 $1,587,585,000 $1,009,272

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
1,573 $1,587,585,000 $1,009,272

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 133 $94,225,000 $708,459 $3,946 2.84%
40-60% 331 $359,815,000 $1,087,054 $5,178 2.85%
60-80% 727 $795,105,000 $1,093,680 $5,447 2.92%
80-100% 331 $324,825,000 $981,344 $5,401 2.90%
Over 100% 2 $4,830,000 $2,415,000 $7,840 2.50%
Under 20% 49 $8,785,000 $179,286 $1,574 1.26%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
RAYMOND JAMES BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 50.0%
RAYMOND JAMES BANK Conventional home mortgage Struggling to pay mortgage 1 25.0%
RAYMOND JAMES BANK Other type of mortgage Trouble during payment process 1 25.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Raymond James Bank 710 Carillon Parkway Saint Petersburg, FL 33716 Full Service B&M $30,525,837

For 2021, Raymond James Bank had 1 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $702,703
Net interest income $661,666
Total noninterest income $26,088
Gross Fiduciary activities income $0
Service charges on deposit accounts $6
Trading account gains and fees $103
Additional Noninterest Income $25,979
Pre-tax net operating income $502,705
Securities gains (or losses, -) $608
Income before extraordinary items $386,241
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $386,241
Minority interest net income $0
Net income $386,241
Sale, conversion, retirement of capital stock, net $0
Net operating income $385,760

Raymond James Bank's gross interest income from loans was $702,703,000.
Raymond James Bank's net interest income from loans was $661,666,000.
Raymond James Bank's fee based income from loans was $6,000.
Raymond James Bank's net income from loans was $386,241,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $41,037
Provision for credit losses $-65,488
Total noninterest expense $250,537
Salaries and employee benefits $52,730
Premises and equipment expense $2,509
Additional noninterest expense $195,298
Applicable income taxes $117,072
Net charge-offs $13,943
Cash dividends $50,000

Raymond James Bank's interest expense for loans was $41,037,000.
Raymond James Bank's payroll and benefits expense were $52,730,000.
Raymond James Bank's property, plant and equipment expenses $2,509,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 1.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $34,394,659
Deposits held in domestic offices $34,394,659
Deposits by Individuals, partnerships, and corporations $34,394,659
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $0
Deposits by Commercial banks and other depository institutions in U.S. $0
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $1,483,610
Demand deposits $205,648
Nontransaction accounts $32,911,049
Money market deposit accounts (MMDAs) $32,119,898
Other savings deposits (excluding MMDAs) $1,757
Total time deposits $789,393
Total time and savings deposits $34,189,011
Noninterest-bearing deposits $36,379
Interest-bearing deposits $34,358,280
Retail deposits $33,770,528
IRAs and Keogh plan accounts $14,846,410
Brokered deposits $610,816
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $38,107,223
Cash & Balances due from depository institutions $2,871,257
Interest-bearing balances $2,801,082
Total securities $8,547,471
Federal funds sold & reverse repurchase $0
Net loans and leases $26,132,117
Loan and leases loss allowance $308,017
Trading account assets $2,179
Bank premises and fixed assets $4,546
Other real estate owned $378
Goodwill and other intangibles $1,155
All other assets $548,120

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $38,107,223
Total Liabilities $35,509,917
Total deposits $34,394,659
Interest-bearing deposits $34,358,280
Deposits held in domestic offices $34,394,659
% insured (estimated) $91
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $850,000
Subordinated debt $0
All other liabilities $265,258

Issued Loan Types

Type Value (in 000's)
Net loans and leases $26,132,117
Loan and leases loss allowance $308,017
Total loans and leases (domestic) $26,440,134
All real estate loans $8,962,693
Real estate loans in domestic offices $7,999,676
Construction and development loans $160,391
Residential 1-4 family construction $11,279
Other construction, all land development and other land $149,112
Loans secured by nonfarm nonresidential properties $1,593,482
Nonfarm nonresidential secured by owner-occupied properties $0
Commercial real estate & other non-farm, non-residential $1,593,482
Multifamily residential real estate $688,300
1-4 family residential loans $5,557,503
Farmland loans $0
Loans held in foreign offices $963,017
Farm loans $0
Commercial and industrial loans $9,482,843
To non-U.S. addressees $1,810,238
Loans to individuals $5,296,200
Credit card loans $0
Related Plans $0
Consumer Auto Loans $0
Other loans to individuals $5,296,200
All other loans & leases $2,698,397
Loans to foreign governments and official institutions $0
Other loans $1,440,620
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $245,246
Loans secured by real estate to non-U.S. addressees $971,300
Restructured Loans & leases $7,373
Non 1-4 family restructured loans & leases $0
Total loans and leases (foreign) $1,239,680

Raymond James Bank had $26,132,117,000 of loans outstanding in 2021. $8,962,693,000 of loans were in real estate loans. $160,391,000 of loans were in development loans. $688,300,000 of loans were in multifamily mortgage loans. $5,557,503,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Commercial & Industrial, US addressed loans - <$1MM 401 $130,129 $324,511
Commercial & Industrial, US addressed loans - <$100k 18 $1,047 $58,167
Commercial & Industrial, US addressed loans - $100-250k 84 $11,868 $141,286
Commercial & Industrial, US addressed loans - $250k-1MM 299 $117,214 $392,020