Raymond James Bank Mortgage Rates, Fees & Info
St. Petersburg, FLLEI: ZXMJHJK466PBZTM5F379
Tax ID: 59-3244348
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Review & Overview
Raymond James Bank is a smaller bank specializing in Home Purchase 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, Los Angeles, Tampa, Dallas, and Miami among others. We have data for 197 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 a low 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 about average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.31% | 4/18/24 |
| 30 Year Conventional Refi | 6.62% | 4/18/24 |
| 30 Year Cash-out Refi | 6.52% | 4/18/24 |
| 30 Year FHA Purchase | 7.11% | 4/18/24 |
| 30 Year VA Purchase | 6.27% | 4/18/24 |
| 15 Year Conventional Purchase | 5.48% | 4/18/24 |
| 15 Year Conventional Refi | 6.33% | 4/18/24 |
| 15 Year Cash-out Refi | 6.33% | 4/18/24 |
| 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
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This is not an official calculator from Raymond James Bank. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,176Origination Dollar Volume (All Markets)
$762,280,000Employee count
257Awards
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Raymond James Bank - 2018
Raymond James Bank is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 59 | $94,555,000 | $1,602,627 | $6,346 | 3.77% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 49 | $74,345,000 | $1,517,245 | $4,636 | 3.77% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 203 | $43,105,000 | $212,340 | $3,581 | 4.61% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 38 | $33,720,000 | $887,368 | $7,417 | 3.71% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 37 | $30,315,000 | $819,324 | $5,833 | 3.92% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 16 | $21,100,000 | $1,318,750 | $3,546 | 3.73% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 34 | $20,850,000 | $613,235 | $3,749 | 3.81% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 35 | $20,775,000 | $593,571 | $5,983 | 3.94% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 37 | $19,425,000 | $525,000 | $3,750 | 3.84% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 24 | $18,850,000 | $785,417 | $4,063 | 3.77% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 15 | $12,905,000 | $860,333 | $7,043 | 3.90% |
| Outside of Metro Areas | 25 | $11,895,000 | $475,800 | $3,123 | 4.12% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 7 | $11,595,000 | $1,656,429 | $5,171 | 3.99% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $11,575,000 | $2,315,000 | $5,300 | 3.93% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $10,705,000 | $10,705,000 | $18,311 | 3.13% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 22 | $10,360,000 | $470,909 | $3,023 | 3.86% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 15 | $9,685,000 | $645,667 | $2,832 | 3.89% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 12 | $9,270,000 | $772,500 | $4,695 | 3.81% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 13 | $9,235,000 | $710,385 | $3,569 | 3.90% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 10 | $8,440,000 | $844,000 | $4,432 | 3.84% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 11 | $8,375,000 | $761,364 | $5,147 | 4.22% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 6 | $7,490,000 | $1,248,333 | $6,204 | 3.56% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 16 | $7,450,000 | $465,625 | $2,871 | 4.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 13 | $7,305,000 | $561,923 | $4,608 | 3.78% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 11 | $6,795,000 | $617,727 | $3,253 | 4.05% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $6,425,000 | $6,425,000 | $12,941 | 3.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 13 | $6,385,000 | $491,154 | $4,668 | 4.09% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 3 | $6,055,000 | $2,018,333 | $7,826 | 3.29% |
| Edwards, CO (FHA|USDA|VA) | 7 | $5,785,000 | $826,429 | $2,174 | 3.71% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $5,755,000 | $1,151,000 | $6,818 | 3.70% |
| SAVANNAH, GA (FHA|USDA|VA) | 11 | $5,615,000 | $510,455 | $3,090 | 4.08% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 14 | $5,550,000 | $396,429 | $4,001 | 4.19% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 12 | $5,390,000 | $449,167 | $2,502 | 4.05% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 9 | $4,915,000 | $546,111 | $4,724 | 4.28% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $4,675,000 | $1,558,333 | $4,360 | 3.75% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 7 | $4,315,000 | $616,429 | $3,185 | 3.62% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 7 | $4,095,000 | $585,000 | $2,677 | 3.71% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 9 | $3,755,000 | $417,222 | $2,322 | 4.06% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 6 | $3,470,000 | $578,333 | $4,367 | 4.19% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 8 | $3,460,000 | $432,500 | $2,920 | 3.91% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 6 | $3,420,000 | $570,000 | $3,194 | 3.94% |
| Heber, UT (FHA|USDA|VA) | 4 | $3,390,000 | $847,500 | $3,598 | 3.78% |
| TUCSON, AZ (FHA|USDA|VA) | 8 | $3,300,000 | $412,500 | $3,706 | 4.19% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 5 | $3,265,000 | $653,000 | $2,899 | 3.88% |
| Key West, FL (FHA|USDA|VA) | 3 | $3,205,000 | $1,068,333 | $7,230 | 3.33% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 3 | $3,185,000 | $1,061,667 | $4,815 | 3.83% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $3,110,000 | $1,555,000 | $4,085 | 3.94% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $3,070,000 | $1,535,000 | $5,167 | 3.94% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $2,975,000 | $425,000 | $3,102 | 4.14% |
| MODESTO, CA (FHA|USDA|VA) | 6 | $2,940,000 | $490,000 | $2,633 | 4.23% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $2,930,000 | $488,333 | $2,562 | 3.96% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $2,895,000 | $965,000 | $2,486 | 3.96% |
| NAPA, CA (FHA|USDA|VA) | 2 | $2,710,000 | $1,355,000 | $3,900 | 3.50% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $2,665,000 | $533,000 | $3,274 | 3.98% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 4 | $2,600,000 | $650,000 | $4,023 | 4.41% |
| LOUISVILLE, KY (FHA|USDA|VA) | 5 | $2,495,000 | $499,000 | $3,054 | 4.15% |
| JACKSON, MS (FHA|USDA|VA) | 7 | $2,495,000 | $356,429 | $2,934 | 4.02% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 5 | $2,465,000 | $493,000 | $3,461 | 4.08% |
| Outside of Metro Areas | 3 | $2,445,000 | $815,000 | $5,054 | 3.88% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $2,425,000 | $485,000 | $3,187 | 4.03% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $2,350,000 | $587,500 | $5,156 | 4.03% |
| Vineyard Haven, MA (FHA|USDA|VA) | 2 | $2,230,000 | $1,115,000 | $4,360 | 3.56% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 6 | $2,230,000 | $371,667 | $2,468 | 4.40% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $2,205,000 | $2,205,000 | $3,720 | 3.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $2,150,000 | $537,500 | $4,183 | 3.69% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $2,085,000 | $695,000 | $4,078 | 3.71% |
| RENO, NV (FHA|USDA|VA) | 4 | $2,060,000 | $515,000 | $2,598 | 3.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $1,940,000 | $970,000 | $3,532 | 4.00% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $1,910,000 | $955,000 | $3,309 | 3.44% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 4 | $1,900,000 | $475,000 | $3,967 | 3.66% |
| ASHEVILLE, NC (FHA|USDA|VA) | 5 | $1,895,000 | $379,000 | $3,261 | 4.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $1,850,000 | $462,500 | $2,985 | 3.69% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $1,700,000 | $850,000 | $4,625 | 3.75% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $1,680,000 | $420,000 | $2,266 | 4.28% |
| NILES, MI (FHA|USDA|VA) | 2 | $1,680,000 | $840,000 | $3,266 | 3.81% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $1,665,000 | $555,000 | $2,294 | 4.00% |
| ANN ARBOR, MI (FHA|USDA|VA) | 3 | $1,625,000 | $541,667 | $2,646 | 3.83% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $4,575 | 4.19% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $1,540,000 | $385,000 | $3,093 | 4.31% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $1,510,000 | $755,000 | $4,117 | 3.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $1,485,000 | $495,000 | $2,575 | 4.17% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $4,289 | 4.05% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $2,736 | 3.92% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $1,435,000 | $1,435,000 | $3,497 | 3.88% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $1,335,000 | $1,335,000 | $6,625 | 3.25% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $1,285,000 | $1,285,000 | $8,166 | 3.45% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $1,987 | 4.13% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $2,476 | 4.41% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $3,011 | 4.50% |
| Bozeman, MT (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $3,192 | 3.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $1,240,000 | $620,000 | $2,638 | 3.25% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $3,551 | 3.56% |
| THE VILLAGES, FL (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $2,999 | 4.06% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $1,180,000 | $590,000 | $2,879 | 3.94% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $4,813 | 4.19% |
| PEORIA, IL (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $2,022 | 3.71% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $2,884 | 4.38% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $2,873 | 3.88% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $2,598 | 3.96% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $3,401 | 3.69% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $9,382 | 4.25% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $3,893 | 3.50% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $2,232 | 4.29% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $2,649 | 3.69% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $2,557 | 3.56% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $4,005 | 4.25% |
| Traverse City, MI (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $2,282 | 4.08% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $1,648 | 3.44% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $2,621 | 4.17% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $2,843 | 4.38% |
| Hailey, ID (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $4,570 | 3.75% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $4,395 | 3.88% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $2,717 | 3.81% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $3,255 | 4.13% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $2,157 | 4.25% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $3,524 | 3.75% |
| CHICO, CA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $2,428 | 3.81% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $5,261 | 3.25% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,166 | 3.38% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,012 | 3.75% |
| COLUMBIA, MO (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $1,698 | 3.94% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $3,929 | 4.50% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $1,938 | 4.25% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $3,683 | 3.63% |
| AKRON, OH (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $2,561 | 4.58% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,147 | 3.63% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $2,407 | 4.19% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $3,031 | 3.25% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $2,569 | 4.00% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $2,544 | 4.13% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $3,778 | 4.31% |
| Rutland, VT (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $5,206 | 3.75% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,023 | 3.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,642 | 3.88% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,001 | 4.13% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,908 | 4.31% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $2,400 | 2.88% |
| Hood River, OR (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,483 | 3.75% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,764 | 4.69% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,406 | 3.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,282 | 3.63% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $1,800 | 3.13% |
| SALEM, OR (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $2,627 | 3.75% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $2,204 | 3.50% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,209 | 5.13% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $3,448 | 4.88% |
| OCALA, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,243 | 4.25% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,907 | 4.54% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $7,833 | 4.50% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $1,899 | 3.75% |
| Easton, MD (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $1,937 | 4.13% |
| FLINT, MI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,318 | 3.88% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,402 | 4.50% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,498 | 3.63% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,407 | 4.13% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,984 | 3.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $3,053 | 3.92% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,981 | 3.63% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,508 | 4.13% |
| TULSA, OK (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,481 | 3.88% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,780 | 4.38% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,277 | 4.50% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,687 | 3.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,036 | 4.88% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,008 | 4.38% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,233 | 4.25% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,094 | 3.94% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,139 | 4.44% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,839 | 4.13% |
| Brevard, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,684 | 4.13% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,622 | 3.75% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,703 | 4.50% |
| Hudson, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,423 | 3.88% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,600 | 4.13% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,724 | 3.88% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,561 | 5.25% |
| Boone, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,016 | 4.38% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,367 | 4.88% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,890 | 3.75% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,107 | 4.25% |
| WACO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,286 | 4.25% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,373 | 4.00% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,996 | 4.75% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $2,030 | 4.50% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,911 | 4.63% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,160 | 4.38% |
| Meridian, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,411 | 4.13% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,669 | 4.13% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,529 | 0.00% |
| Arkadelphia, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,316 | 4.13% |
| Keene, NH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,750 | 3.75% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,450 | 4.25% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,444 | 5.13% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,949 | 3.75% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,050 | 3.88% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,335 | 4.25% |
| Marion, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,271 | 4.13% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,155 | $758,835,000 | $657,000 | $4,025 | 4.01% |
| FHA | 19 | $2,895,000 | $152,368 | $5,703 | 4.79% |
| VA | 2 | $550,000 | $275,000 | $6,416 | 4.13% |
For 2018, Raymond James Bank's most frequently originated type of loan was Conventional, with 1,155 originations. Their 2nd most popular type was FHA, with 19 originations.
Loan Reason
For 2018, Raymond James Bank's most frequently cited loan purpose was Home Purchase, with 708 originations. The 2nd most popular reason was Other, with 168 originations.
Loan Duration/Length
For 2018, Raymond James Bank's most frequently cited loan duration was 30 Year, with 1,125 originations. The 2nd most popular length was 15 Year, with 34 originations.
Origination Fees/Closing Costs
Raymond James Bank's average total fees were $4,092, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 902 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 621 | $550,675,000 | $886,755 |
| 4-5% | 392 | $140,400,000 | $358,163 |
| 5-6% | 78 | $13,340,000 | $171,026 |
| 2.5-3% | 30 | $36,640,000 | $1,221,333 |
During 2018, Raymond James Bank's average interest rate for loans was 4.01%, while their most frequently originated rate bucket for loans was 3-4%, with 621 originations.
Loan Sizing
2018 saw Raymond James Bank place emphasis on $200k-400k loans with 314 originations, totaling $90,250,000 in origination value.
Applicant Income
Raymond James Bank lent most frequently to those with incomes in the $250k+ range, with 555 originations. The second most popular income band? $150k-250k, with 220 originations.
Applicant Debt to Income Ratio
Raymond James Bank lent most frequently to those with DTI ratios of 20-30%, with 275 originations. The next most common DTI ratio? 30-36%, with 233 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.41%
Raymond James Bank has an average approval rate.
Pick Rate
Approvals leading to origination87.59%
Raymond James Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 3 | $45,000 | $15,000 |
| 150.0 | 12 | $100,000 | $8,333 |
| 154.5 | 3 | $35,000 | $11,667 |
| 179.5 | 1 | $5,000 | $5,000 |
| 200.0 | 1 | $15,000 | $15,000 |
| 225.0 | 18 | $90,000 | $5,000 |
| 228.25 | 1 | $5,000 | $5,000 |
| 229.5 | 1 | $5,000 | $5,000 |
| 275.0 | 1 | $5,000 | $5,000 |
| 75.0 | 6 | $30,000 | $5,000 |
| NA | 1,129 | $761,945,000 | $674,885 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 1 | $20,705,000 | $20,705,000 |
| Single Family (1-4 Units):Site-Built | 1,175 | $741,575,000 | $631,128 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| RAYMOND JAMES BANK | Conventional home mortgage | Trouble during payment process | 1 | 100.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Raymond James Bank, National Association | 710 Carillon Parkway Saint Petersburg, FL 33716 | Full Service B&M | $19,653,510 |
For 2018, Raymond James Bank had 1 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $856,190 |
| Net interest income | $740,660 |
| Total noninterest income | $25,669 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $12 |
| Trading account gains and fees | $1,451 |
| Additional Noninterest Income | $24,206 |
| Pre-tax net operating income | $487,833 |
| Securities gains (or losses, -) | $-166 |
| Income before extraordinary items | $362,826 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $362,826 |
| Minority interest net income | $0 |
| Net income | $362,826 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $362,957 |
Raymond James Bank's gross interest income from loans was $856,190,000.
Raymond James Bank's net interest income from loans was $740,660,000.
Raymond James Bank's fee based income from loans was $12,000.
Raymond James Bank's net income from loans was $362,826,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $115,530 |
| Provision for credit losses | $35,919 |
| Total noninterest expense | $242,577 |
| Salaries and employee benefits | $40,748 |
| Premises and equipment expense | $2,139 |
| Additional noninterest expense | $199,690 |
| Applicable income taxes | $124,841 |
| Net charge-offs | $6,955 |
| Cash dividends | $120,000 |
Raymond James Bank's interest expense for loans was $115,530,000.
Raymond James Bank's payroll and benefits expense were $40,748,000.
Raymond James Bank's property, plant and equipment expenses $2,139,000.
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 | 0.0% |
| 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 | $21,908,334 |
| Deposits held in domestic offices | $21,908,334 |
| Deposits by Individuals, partnerships, and corporations | $21,908,334 |
| 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 | $583,935 |
| Demand deposits | $59,970 |
| Nontransaction accounts | $21,324,399 |
| Money market deposit accounts (MMDAs) | $20,833,426 |
| Other savings deposits (excluding MMDAs) | $736 |
| Total time deposits | $490,237 |
| Total time and savings deposits | $21,848,364 |
| Noninterest-bearing deposits | $10,302 |
| Interest-bearing deposits | $21,898,033 |
| Retail deposits | $21,426,467 |
| IRAs and Keogh plan accounts | $10,180,038 |
| Brokered deposits | $480,089 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $25,140,256 |
| Cash & Balances due from depository institutions | $2,011,192 |
| Interest-bearing balances | $1,964,218 |
| Total securities | $2,797,437 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $19,887,187 |
| Loan and leases loss allowance | $219,173 |
| Trading account assets | $5,770 |
| Bank premises and fixed assets | $6,567 |
| Other real estate owned | $4,748 |
| Goodwill and other intangibles | $1,416 |
| All other assets | $425,939 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $25,140,256 |
| Total Liabilities | $23,068,091 |
| Total deposits | $21,908,334 |
| Interest-bearing deposits | $21,898,033 |
| Deposits held in domestic offices | $21,908,334 |
| % insured (estimated) | $93 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $875,000 |
| Subordinated debt | $0 |
| All other liabilities | $284,757 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $19,887,187 |
| Loan and leases loss allowance | $219,173 |
| Total loans and leases (domestic) | $20,106,360 |
| All real estate loans | $6,835,701 |
| Real estate loans in domestic offices | $6,194,186 |
| Construction and development loans | $167,406 |
| Residential 1-4 family construction | $0 |
| Other construction, all land development and other land | $167,406 |
| Loans secured by nonfarm nonresidential properties | $1,659,156 |
| Nonfarm nonresidential secured by owner-occupied properties | $0 |
| Commercial real estate & other non-farm, non-residential | $1,659,156 |
| Multifamily residential real estate | $418,382 |
| 1-4 family residential loans | $3,932,557 |
| Farmland loans | $16,685 |
| Loans held in foreign offices | $641,515 |
| Farm loans | $0 |
| Commercial and industrial loans | $8,035,000 |
| To non-U.S. addressees | $1,474,730 |
| Loans to individuals | $2,543,965 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $2,543,965 |
| All other loans & leases | $2,691,694 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $1,416,567 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $31,972 |
| Loans secured by real estate to non-U.S. addressees | $641,291 |
| Restructured Loans & leases | $10,715 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $1,011,709 |
Raymond James Bank had $19,887,187,000 of loans outstanding in 2018. $6,835,701,000 of loans were in real estate loans. $167,406,000 of loans were in development loans. $418,382,000 of loans were in multifamily mortgage loans. $3,932,557,000 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 | 333 | $77,079 | $231,468 |
| Commercial & Industrial, US addressed loans - <$100k | 39 | $2,625 | $67,308 |
| Commercial & Industrial, US addressed loans - $100-250k | 115 | $15,695 | $136,478 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 179 | $58,759 | $328,263 |