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Raymond James Bank
Bank|St. Petersburg, FL|National
Loans Originated
1,004
Applications
1,291
Volume
$811 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards💎Jumbo Champion⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.470%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$166
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 47.00 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Report Card
Raymond James Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | National · 24 metro areas · 48 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$808,486
Average Borrower Income
$529,469
Average Property Value
$1,248,317
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Sound | Exceptional | Sound | 644 | 64.1% | -0.389% | $212 |
Jumbo Loans | Exceptional | Exceptional | Exceptional | Strong | 358 | 35.7% | -0.648% | $64 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Sound | Exceptional | Sound | 913 | 90.9% | -0.466% | $189 |
Refinance | Strong | Sound | Exceptional | Sound | 91 | 9.1% | -0.518% | -$92 |
Geographic Coverage
Metro Areas
23
States Served
48
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWI
Top Metro Areas by Place Specialization Score
1
St. Petersburg, FLMSA
Volume: 25Mix: 2.49%
Place Specialization
Sound
2
West Palm Beach, FLMSA
Volume: 27Mix: 2.69%
Place Specialization
Sound
3
New York, NY-NJMSA
Volume: 37Mix: 3.69%
Place Specialization
Sound
4
Naples, FLMSA
Volume: 17Mix: 1.69%
Place Specialization
Sound
5
Tampa, FL, FLMSA
Volume: 32Mix: 3.19%
Place Specialization
Sound
6
Houston, TXMSA
Volume: 28Mix: 2.79%
Place Specialization
Sound
7
Los Angeles, CAMSA
Volume: 21Mix: 2.09%
Place Specialization
Sound
8
Chicago, ILMSA
Volume: 20Mix: 1.99%
Place Specialization
Sound
9
Newark, NJ, NJMSA
Volume: 15Mix: 1.49%
Place Specialization
Sound
10
Jacksonville, FL, FLMSA
Volume: 15Mix: 1.49%
Place Specialization
Sound
Showing 10 of 23 metro areas
Top States by Place Specialization Score
1
FLState
Volume: 201Mix: 20.02%
Place Specialization
Strong
2
TXState
Volume: 81Mix: 8.07%
Place Specialization
Sound
3
NJState
Volume: 43Mix: 4.28%
Place Specialization
Sound
4
NYState
Volume: 47Mix: 4.68%
Place Specialization
Sound
5
CAState
Volume: 73Mix: 7.27%
Place Specialization
Sound
6
NCState
Volume: 50Mix: 4.98%
Place Specialization
Sound
7
TNState
Volume: 39Mix: 3.88%
Place Specialization
Sound
8
SCState
Volume: 30Mix: 2.99%
Place Specialization
Sound
9
COState
Volume: 29Mix: 2.89%
Place Specialization
Sound
10
AZState
Volume: 26Mix: 2.59%
Place Specialization
Sound
Showing 10 of 28 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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