We analyzed every closed loan from Raymond James Bank — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Sound
3/5
National · 23 mkts
Awards
Jumbo
Champion
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 47.00 basis points below market average
- Lower than average lender fees
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Raymond James Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 47.0 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
National · 24 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 644 | 64.1% | -0.389%Below | $212Fees | ||||
Jumbo Loans | 358 | 35.7% | -0.648%Below | $64Fees |
Conventional
OverallSound
ProductSound
PricingExceptional
Pull ThroughSound
Volume644
Mix64.1%
Spread
-0.389%Below
Fees
$212Fees
Jumbo Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume358
Mix35.7%
Spread
-0.648%Below
Fees
$64Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 913 | 90.9% | -0.466%Below | $189Fees | ||||
Refinance | 91 | 9.1% | -0.518%Below | $92Credit |
Purchase
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume913
Mix90.9%
Spread
-0.466%Below
Fees
$189Fees
Refinance
OverallSound
ProductSound
PricingExceptional
Pull ThroughSound
Volume91
Mix9.1%
Spread
-0.518%Below
Fees
$92Credit
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,004
Applications
1,291
Volume
$811 million
Pricing & Closing
Avg Rate Spread
-0.470%
vs. market APOR
Avg Net Fees
$166
Origination − Credits
Pullthrough Rate
77.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$808,486
Avg Borrower Income
$529,469
Avg Property Value
$1,248,317
Geographic Coverage
Geographic Performance
Metro Areas
23
markets with activity
States Served
48
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
48Northeast9
CTMEMANHNJNYPARIVT
Midwest11
IAILINKSMIMNMONEOHSDWI
South16
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVA
West12
AKAZCACOHIIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 25Mix 2.49% of portfolio
54/100
Sound
Volume 27Mix 2.69% of portfolio
54/100
Sound
Volume 37Mix 3.69% of portfolio
54/100
Sound
Volume 17Mix 1.69% of portfolio
53/100
Sound
Volume 32Mix 3.19% of portfolio
53/100
Sound
Volume 28Mix 2.79% of portfolio
48/100
Sound
Volume 21Mix 2.09% of portfolio
47/100
Sound
Volume 20Mix 1.99% of portfolio
45/100
Sound
Volume 15Mix 1.49% of portfolio
45/100
Sound
Volume 15Mix 1.49% of portfolio
45/100
SoundShowing 10 of 23 metro areas
Top States by Place Specialization Score
1
FloridaState
Volume 201Mix 20.02% of portfolio
65/100
Strong2
TexasState
Volume 81Mix 8.07% of portfolio
55/100
Sound3
New JerseyState
Volume 43Mix 4.28% of portfolio
54/100
Sound4
New YorkState
Volume 47Mix 4.68% of portfolio
54/100
Sound5
CaliforniaState
Volume 73Mix 7.27% of portfolio
53/100
Sound6
North CarolinaState
Volume 50Mix 4.98% of portfolio
52/100
Sound7
TennesseeState
Volume 39Mix 3.88% of portfolio
52/100
Sound8
South CarolinaState
Volume 30Mix 2.99% of portfolio
50/100
Sound9
ColoradoState
Volume 29Mix 2.89% of portfolio
48/100
Sound10
ArizonaState
Volume 26Mix 2.59% of portfolio
47/100
SoundShowing 10 of 28 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.