# Raymond James Bank

> **Canonical URL:** https://saferate.com/lenders/raymond-james-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Raymond James Bank is a bank, headquartered in St. Petersburg, FL, serving borrowers nationwide, with 1,004 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 18% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** ZXMJHJK466PBZTM5F379
- **Headquarters:** St. Petersburg, FL
- **Geographic Reach:** National
- **States Served:** 48
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI
- **Markets (MSAs):** 24
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.470%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $166
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,004
- **Dollar Volume:** $812 million
- **Applications Received:** 1,291
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $808,486
- **Average Borrower Income:** $529,469
- **Average Property Value:** $1,248,317

## Safe Rate Awards 🏆

- 💎 **Jumbo Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Purchase Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 644 | -0.389% | $212 | Sound ☺️ |
| Jumbo | 84/100 | 358 | -0.648% | $64 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 587 loans, Score: 54/100 (Sound)
- Refinance: 57 loans, Score: 44/100 (Sound)

**Jumbo:**
- Purchase: 324 loans, Score: 85/100 (Exceptional)
- Refinance: 34 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 58/100 | 913 | $737M | -0.466% | Sound ☺️ |
| Refinance | 44/100 | 91 | $75M | -0.518% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 201 | 0.07% | 65/100 |
| TX | 81 | 0.02% | 55/100 |
| CA | 73 | 0.03% | 53/100 |
| NC | 50 | 0.03% | 52/100 |
| NY | 47 | 0.04% | 54/100 |
| NJ | 43 | 0.05% | 54/100 |
| TN | 39 | 0.04% | 52/100 |
| SC | 30 | 0.04% | 50/100 |
| CO | 29 | 0.03% | 48/100 |
| AZ | 26 | 0.03% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 120 | 54/100 |
| New York | NY-NJ | 37 | 54/100 |
| Tampa, FL | FL | 32 | 53/100 |
| Houston | TX | 28 | 48/100 |
| West Palm Beach | FL | 27 | 54/100 |
| St. Petersburg | FL | 25 | 54/100 |
| Los Angeles | CA | 21 | 47/100 |
| Chicago | IL | 20 | 45/100 |
| Dallas | TX | 19 | 44/100 |
| Naples | FL | 17 | 53/100 |
| Phoenix | AZ | 17 | 43/100 |
| Jacksonville, FL | FL | 15 | 45/100 |
| Miami | FL | 15 | 44/100 |
| Newark, NJ | NJ | 15 | 45/100 |
| St. Louis, MO | MO-IL | 15 | 44/100 |

## Where This Lender Ranks

Raymond James Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in Naples for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/naples/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#12** in St. Petersburg Banks
  - [View Full Rankings](https://saferate.com/st-petersburg/best-mortgage-lenders/banks)
- 🏆 **#14** in Naples for Jumbo Loans
  - [View Full Rankings](https://saferate.com/naples/best-mortgage-lenders/jumbo-loans)
- 🏆 **#19** in St. Petersburg for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-petersburg/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Naples for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/naples/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Raymond James Bank offer?

Raymond James Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Raymond James Bank offer mortgages?

Raymond James Bank is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Raymond James Bank's mortgage rates?

Raymond James Bank has a pricing score of 82/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.470% below market average.

### What type of lender is Raymond James Bank?

Raymond James Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in St. Petersburg, FL.

### What is Raymond James Bank's loan approval success rate?

Raymond James Bank has a pull-through score of 49/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/raymond-james-bank

### How to Cite

> "Raymond James Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/raymond-james-bank

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