Applications / Mortgage Analytics / Lenders / Florida / Raymond James Bank
Saint Petersburg, FL · State member bank · FRS · $43.4 billion assets · 1,712 loans in 2025
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1,712
loans originated, 2025
2,077
applications, 2025
50
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Raymond James Bank is a nationwide lender of very large loans: its typical loan was $805,000, against $195,000 at similar lenders, and 42.8% of its loans were jumbo.
Jumbo loans (larger than the conforming limit) were 42.8% of its lending, against 3.0% at similar lenders (state member banks making between half and twice as many loans); its typical loan was higher than at nearly all of them. It lent $1.85 billion, against peers' $450.6 million, across 50 states and 211 metros. It ranked 73 of 925 in Tampa-St. Petersburg-Clearwater, its home market, and 150 of 802 in New York-Newark-Jersey City.
Originations rose 26% to 1,712, against 7% at similar lenders and 10% for the whole market, higher than about nine in ten. Home purchases were 61.6% of its loans. It also bought 248 loans, where the typical peer bought none.
LMI (low- and moderate-income) borrowers took 1.2% of its loans, against 26.8% at peers, lower than nearly all of them, and down from 7.0% five years before. Loans in LMI areas were 5.0%, against 15.1%. The size of its loans is one possible reason: loans of this size tend to go to high-income borrowers. Its share in majority-minority areas, 7.9%, was near peers' 7.1%.
Its typical rate was 5.38%, against 6.88% at similar lenders, lower than nearly all of them, and its higher-priced share (a rate well above the average for similar loans) was 0.1%, against 1.3%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Raymond James Bank took 2,077 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.6% · Other 24.9% · Refinance 12.9% · Home improvement 0.6%
Conventional 99.9% · FHA 0.1% · of 1,712 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 298 | 17.4% |
| Texas | 142 | 8.3% |
| California | 122 | 7.1% |
| North Carolina | 99 | 5.8% |
| New York | 75 | 4.4% |
| Colorado | 74 | 4.3% |
| Tennessee | 69 | 4.0% |
| Georgia | 58 | 3.4% |
| South Carolina | 54 | 3.2% |
| New Jersey | 49 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 61 |
| Los Angeles-Long Beach-Glendale | 46 |
| Tampa | 44 |
| Dallas-Plano-Irving | 33 |
| Nashville-Davidson--Murfreesboro--Franklin | 33 |
| Houston-Pasadena-The Woodlands | 32 |
| Phoenix-Mesa-Chandler | 32 |
| St. Petersburg-Clearwater-Largo | 32 |
| Atlanta-Sandy Springs-Roswell | 28 |
| Charlotte-Concord-Gastonia | 27 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | ZXMJHJK466PBZTM5F379 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2193616 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 412002 | 1996–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1712002 | 2011–2012 |
| Respondent ID (the HMDA filer code before 2018) | 92193616 | 2013–2017 |
Established 6 May 1994. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Raymond James Bank's data.
Raymond James Bank's data
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Raymond James Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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