Raymond James Bank Mortgage Rates, Fees & Info

St. Petersburg, FL

LEI: ZXMJHJK466PBZTM5F379

Tax ID: 59-3244348

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Review & 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 by origination volume include: Los Angeles, Miami, New York, Tampa, and Dallas among others. We have data for 223 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 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.

    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% 12/16/24
    30 Year Conventional Refi 6.62% 12/16/24
    30 Year Cash-out Refi 6.52% 12/16/24
    30 Year FHA Purchase 7.11% 12/16/24
    30 Year VA Purchase 6.27% 12/16/24
    15 Year Conventional Purchase 5.48% 12/16/24
    15 Year Conventional Refi 6.33% 12/16/24
    15 Year Cash-out Refi 6.33% 12/16/24
    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

    1,573

    Origination Dollar Volume (All Markets)

    $1,587,585,000

    Employee count

    287 Show all (27) awards

    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
    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, KY (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.

    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 1,564 $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 2021, Raymond James Bank's most frequently originated type of loan was Conventional, with 1,564 originations. Their 2nd most popular type was FHA, with 8 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Raymond James Bank's most frequently cited loan purpose was Home Purchase, with 617 originations. The 2nd most popular reason was 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 2021, Raymond James Bank's most frequently cited loan duration was 30 Year, with 1,445 originations. The 2nd most popular length was 15 Year, with 111 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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

    Raymond James Bank's average total fees were $5,278, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.85%, while their most frequently originated rate bucket for loans was 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 or Islander 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
    94.92%

    Raymond James Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.31%

    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