Raymond James Bank N.A. Mortgage Lending & HMDA Data, 2011

In 2011, Raymond James Bank N.A. of St Petersburg, FL reported 921 mortgage applications totaling $337.7 million. The average application was for $366,717, and applicants reported an average income of $226,019. 45% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (125), Los Angeles-Long Beach-Glendale, CA (27) and Philadelphia, PA (27) (applications in parentheses).

Mortgage Company & Address Raymond James Bank N.A.
710 Carillon Pkwy
St Petersburg, FL 33716
Tel #: available with data download
Federal Regulator * available with data download
Years 2012  2011  
Total Number of Mortgage Applications 921
Total Mortgage Loan Application Amount $337,747,000
Average Mortgage Loan Application Amount $366,717
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $226,019
Highest Applicant Income $2,932,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Raymond James Bank N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Raymond James Bank N.A. by Metropolitan Area in 2011

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Tampa-St. Petersburg-Clearwater, FL 125 $ 42,109,000 $ 336,872 $ 206,000
Los Angeles-Long Beach-Glendale, CA 27 $ 11,581,000 $ 428,925 $ 260,000
Philadelphia, PA 27 $ 10,195,000 $ 377,592 $ 271,000
Houston-Sugar Land-Baytown, TX 25 $ 6,292,000 $ 251,680 $ 210,000
Atlanta-Sandy Springs-Marietta, GA 22 $ 6,876,000 $ 312,545 $ 160,000
Chicago-Joliet-Naperville, IL 20 $ 10,417,000 $ 520,850 $ 284,000
Santa Ana-Anaheim-Irvine, CA 18 $ 7,283,000 $ 404,611 $ 234,000
Warren-Troy-Farmington Hills, MI 18 $ 5,024,000 $ 279,111 $ 190,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 17 $ 7,081,000 $ 416,529 $ 253,588
Dallas-Plano-Irving, TX 16 $ 5,098,000 $ 318,625 $ 202,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 16 $ 7,468,000 $ 466,750 $ 253,000
Indianapolis-Carmel, IN 16 $ 5,319,000 $ 332,437 $ 231,000
Orlando-Kissimmee-Sanford, FL 16 $ 3,830,000 $ 239,375 $ 203,000
Oakland-Fremont-Hayward, CA 15 $ 9,448,000 $ 629,866 $ 248,000
North Port-Bradenton-Sarasota, FL 13 $ 3,896,000 $ 299,692 $ 217,000
West Palm Beach-Boca Raton-Boynton Beach, FL 13 $ 3,905,000 $ 300,384 $ 277,000
San Jose-Sunnyvale-Santa Clara, CA 12 $ 6,802,000 $ 566,833 $ 296,000
Miami-Miami Beach-Kendall, FL 11 $ 5,198,000 $ 472,545 $ 292,000
San Diego-Carlsbad-San Marcos, CA 11 $ 7,348,000 $ 668,000 $ 227,000
Jacksonville, FL 10 $ 2,571,000 $ 257,100 $ 120,000
Nassau-Suffolk, NY 10 $ 4,685,000 $ 468,500 $ 269,000
New York-White Plains-Wayne, NY-NJ 9 $ 2,873,000 $ 319,222 $ 249,222
Denver-Aurora-Broomfield, CO 8 $ 3,022,000 $ 377,750 $ 152,000
Port St. Lucie, FL 8 $ 3,009,000 $ 376,125 $ 277,000
Riverside-San Bernardino-Ontario, CA 8 $ 5,195,000 $ 649,375 $ 348,000
St. Louis, MO-IL 8 $ 3,999,000 $ 499,875 $ 167,000
Austin-Round Rock-San Marcos, TX 7 $ 2,578,000 $ 368,285 $ 481,000
Bethesda-Rockville-Frederick, MD 7 $ 1,767,000 $ 252,428 $ 114,000
Sacramento--Arden-Arcade--Roseville, CA 7 $ 2,711,000 $ 387,285 $ 261,000
San Francisco-San Mateo-Redwood City, CA 7 $ 5,458,000 $ 779,714 $ 434,000
Cape Coral-Fort Myers, FL 6 $ 1,237,000 $ 206,166 $ 117,000
Naples-Marco Island, FL 6 $ 2,314,000 $ 385,666 $ 428,000
Phoenix-Mesa-Glendale, AZ 6 $ 3,953,000 $ 658,833 $ 670,000
Ann Arbor, MI 5 $ 2,856,000 $ 571,200 $ 298,000
Baltimore-Towson, MD 5 $ 1,121,000 $ 224,200 $ 170,000
Bridgeport-Stamford-Norwalk, CT 5 $ 2,862,000 $ 572,400 $ 233,000
Charlotte-Gastonia-Rock Hill, NC-SC 5 $ 1,434,000 $ 286,800 $ 213,600
Chattanooga, TN-GA 5 $ 2,206,000 $ 441,200 $ 91,600
Cleveland-Elyria-Mentor, OH 5 $ 1,270,000 $ 254,000 $ 132,000
Detroit-Livonia-Dearborn, MI 5 $ 1,177,000 $ 235,400 $ 94,000
Fort Worth-Arlington, TX 5 $ 646,000 $ 129,200 $ 70,000
Las Vegas-Paradise, NV 5 $ 2,163,000 $ 432,600 $ 272,000
Madison, WI 5 $ 3,069,000 $ 613,800 $ 250,000
Minneapolis-St. Paul-Bloomington, MN-WI 5 $ 1,097,000 $ 219,400 $ 241,000
Oklahoma City, OK 5 $ 1,891,000 $ 378,200 $ 173,000
Palm Bay-Melbourne-Titusville, FL 5 $ 1,527,000 $ 305,400 $ 174,000
Cambridge-Newton-Framingham, MA 4 $ 883,000 $ 220,750 $ 160,000
Camden, NJ 4 $ 1,761,000 $ 440,250 $ 163,000
Danville, IL 4 $ 525,000 $ 131,250 $ 87,000
Edison-New Brunswick, NJ 4 $ 1,297,000 $ 324,250 $ 180,000
Gainesville, FL 4 $ 951,000 $ 237,750 $ 255,000
Lakeland-Winter Haven, FL 4 $ 489,000 $ 122,250 $ 148,000
Mobile, AL 4 $ 891,000 $ 222,750 $ 218,000
Nashville-Davidson--Murfreesboro--Franklin, TN 4 $ 1,753,000 $ 438,250 $ 142,000
Newark-Union, NJ-PA 4 $ 1,181,000 $ 295,250 $ 207,000
Santa Barbara-Santa Maria-Goleta, CA 4 $ 4,890,000 $ 1,222,500 $ 256,000
Bend, OR 3 $ 1,267,000 $ 422,333 $ 185,000
Birmingham-Hoover, AL 3 $ 761,000 $ 253,666 $ 239,000
Boston-Quincy, MA 3 $ 989,000 $ 329,666 $ 179,000
Cincinnati-Middletown, OH-KY-IN 3 $ 1,425,000 $ 475,000 $ 252,666
Columbus, OH 3 $ 872,000 $ 290,666 $ 177,000
Eugene-Springfield, OR 3 $ 514,000 $ 171,333 $ 85,000
Fayetteville-Springdale-Rogers, AR-MO 3 $ 487,000 $ 162,333 $ 123,000
Hartford-West Hartford-East Hartford, CT 3 $ 967,000 $ 322,333 $ 222,000
Holland-Grand Haven, MI 3 $ 269,000 $ 89,666 $ 101,000
Louisville-Jefferson County, KY-IN 3 $ 663,000 $ 221,000 $ 118,000
Memphis, TN-MS-AR 3 $ 724,000 $ 241,333 $ 137,333
Myrtle Beach-North Myrtle Beach-Conway, SC 3 $ 1,503,000 $ 501,000 $ 255,000
New Haven-Milford, CT 3 $ 545,000 $ 181,666 $ 111,000
Pensacola-Ferry Pass-Brent, FL 3 $ 594,000 $ 198,000 $ 82,000
Poughkeepsie-Newburgh-Middletown, NY 3 $ 511,000 $ 170,333 $ 232,000
Richmond, VA 3 $ 569,000 $ 189,666 $ 236,000
Rockford, IL 3 $ 1,797,000 $ 599,000 $ 184,000
Santa Cruz-Watsonville, CA 3 $ 1,291,000 $ 430,333 $ 124,000
Tacoma, WA 3 $ 1,087,000 $ 362,333 $ 145,000
Trenton-Ewing, NJ 3 $ 1,563,000 $ 521,000 $ 477,000
Anderson, IN 2 $ 306,000 $ 153,000 $ 101,000
Asheville, NC 2 $ 347,000 $ 173,500 $ 70,000
Battle Creek, MI 2 $ 977,000 $ 488,500 $ 160,000
Bremerton-Silverdale, WA 2 $ 555,000 $ 277,500 $ 114,000
Colorado Springs, CO 2 $ 258,000 $ 129,000 $ 47,000
Columbia, SC 2 $ 850,000 $ 425,000 $ 416,000
Corpus Christi, TX 2 $ 716,000 $ 358,000 $ 172,000
Crestview-Fort Walton Beach-Destin, FL 2 $ 445,000 $ 222,500 $ 155,000
Decatur, IL 2 $ 345,000 $ 172,500 $ 139,000
Deltona-Daytona Beach-Ormond Beach, FL 2 $ 1,600,000 $ 800,000 $ 403,000
Flint, MI 2 $ 235,000 $ 117,500 $ 173,000
Fort Collins-Loveland, CO 2 $ 628,000 $ 314,000 $ 49,000
Fort Wayne, IN 2 $ 1,134,000 $ 567,000 $ 305,000
Grand Rapids-Wyoming, MI 2 $ 725,000 $ 362,500 $ 244,000
Greensboro-High Point, NC 2 $ 565,000 $ 282,500 $ 97,000
Greenville-Mauldin-Easley, SC 2 $ 595,000 $ 297,500 $ 71,000
Lake County-Kenosha County, IL-WI 2 $ 325,000 $ 162,500 $ 108,000
Little Rock-North Little Rock-Conway, AR 2 $ 409,000 $ 204,500 $ 219,000
Muskegon-Norton Shores, MI 2 $ 582,000 $ 291,000 $ 136,000
New Orleans-Metairie-Kenner, LA 2 $ 223,000 $ 111,500 $ 79,000
Niles-Benton Harbor, MI 2 $ 1,095,000 $ 547,500 $ 301,000
Ocean City, NJ 2 $ 945,000 $ 472,500 $ 309,000
Oxnard-Thousand Oaks-Ventura, CA 2 $ 671,000 $ 335,500 $ 94,000
Palm Coast, FL 2 $ 380,000 $ 190,000 $ 247,000
Pittsburgh, PA 2 $ 437,000 $ 218,500 $ 198,000
Pittsfield, MA 2 $ 238,000 $ 119,000 $ 118,000
Portland-Vancouver-Hillsboro, OR-WA 2 $ 343,000 $ 171,500 $ 256,500
Salt Lake City, UT 2 $ 1,552,000 $ 776,000 $ 285,000
San Antonio-New Braunfels, TX 2 $ 333,000 $ 166,500 $ 185,000
Savannah, GA 2 $ 652,000 $ 326,000 $ 254,000
Youngstown-Warren-Boardman, OH-PA 2 $ 371,000 $ 185,500 $ 181,000
Akron, OH 1 $ 270,000 $ 270,000 $ 143,000
Anniston-Oxford, AL 1 $ 203,000 $ 203,000 $ 113,000
Beaumont-Port Arthur, TX 1 $ 340,000 $ 340,000 $ 118,000
Billings, MT 1 $ 325,000 $ 325,000 $ 420,000
Bloomington, IN 1 $ 150,000 $ 150,000 $ 50,000
Boulder, CO 1 $ 1,031,000 $ 1,031,000 $ 357,000
Brownsville-Harlingen, TX 1 $ 210,000 $ 210,000 $ 106,000
Carson City, NV 1 $ 180,000 $ 180,000 $ 217,000
Cedar Rapids, IA 1 $ 170,000 $ 170,000 $ 153,000
Charleston, WV 1 $ 150,000 $ 150,000 $ 134,000
Charleston-North Charleston-Summerville, SC 1 $ 258,000 $ 258,000 $ 290,000
Chico, CA 1 $ 185,000 $ 185,000 $ 143,000
Columbus, GA-AL 1 $ 366,000 $ 366,000 $ 335,000
Elkhart-Goshen, IN 1 $ 178,000 $ 178,000 $ 41,000
Fargo, ND-MN 1 $ 110,000 $ 110,000 $ 86,000
Gainesville, GA 1 $ 407,000 $ 407,000 $ 435,000
Gary, IN 1 $ 360,000 $ 360,000 $ 240,000
Harrisburg-Carlisle, PA 1 $ 218,000 $ 218,000 $ 360,000
Huntsville, AL 1 $ 500,000 $ 500,000 $ 86,000
Jackson, MS 1 $ 263,000 $ 263,000 $ 212,000
Kalamazoo-Portage, MI 1 $ 102,000 $ 102,000 $ 58,000
Kansas City, MO-KS 1 $ 58,000 $ 58,000 $ 214,000
Kingsport-Bristol-Bristol, TN-VA 1 $ 50,000 $ 50,000 $ 28,000
Knoxville, TN 1 $ 525,000 $ 525,000 $ 298,000
Lafayette, LA 1 $ 475,000 $ 475,000 $ 277,000
Lake Havasu City-Kingman, AZ 1 $ 435,000 $ 435,000 $ 114,000
Lancaster, PA 1 $ 153,000 $ 153,000 $ 50,000
Lansing-East Lansing, MI 1 $ 186,000 $ 186,000 $ 91,000
Macon, GA 1 $ 335,000 $ 335,000 $ 119,000
Morristown, TN 1 $ 75,000 $ 75,000 $ 55,000
Ocala, FL 1 $ 138,000 $ 138,000 $ 89,000
Pascagoula, MS 1 $ 357,000 $ 357,000 $ 641,000
Peabody, MA 1 $ 241,000 $ 241,000 $ 275,000
Prescott, AZ 1 $ 172,000 $ 172,000 $ 46,000
Punta Gorda, FL 1 $ 196,000 $ 196,000 $ 326,000
Raleigh-Cary, NC 1 $ 100,000 $ 100,000 $ 34,000
Rochester, MN 1 $ 278,000 $ 278,000 $ 504,000
Rockingham County-Strafford County, NH 1 $ 282,000 $ 282,000 $ 182,000
Saginaw-Saginaw Township North, MI 1 $ 95,000 $ 95,000 $ 55,000
Salinas, CA 1 $ 182,000 $ 182,000 $ 179,000
San Luis Obispo-Paso Robles, CA 1 $ 617,000 $ 617,000 $ 276,000
Santa Fe, NM 1 $ 600,000 $ 600,000 $ 318,000
Santa Rosa-Petaluma, CA 1 $ 406,000 $ 406,000 $ 194,000
Seattle-Bellevue-Everett, WA 1 $ 156,000 $ 156,000 $ 158,000
Sebastian-Vero Beach, FL 1 $ 990,000 $ 990,000 $ 792,000
Sherman-Denison, TX 1 $ 415,000 $ 415,000 $ 200,000
St. George, UT 1 $ 381,000 $ 381,000 $ 436,000
Toledo, OH 1 $ 675,000 $ 675,000 $ 414,000
Tucson, AZ 1 $ 143,000 $ 143,000 $ 158,000
Tyler, TX 1 $ 309,000 $ 309,000 $ 223,000
Waco, TX 1 $ 700,000 $ 700,000 $ 479,000
Wilmington, DE-MD-NJ 1 $ 404,000 $ 404,000 $ 83,000
Wilmington, NC 1 $ 175,000 $ 175,000 $ 95,000
Winston-Salem, NC 1 $ 216,000 $ 216,000 $ 240,000
Worcester, MA 1 $ 201,000 $ 201,000 $ 110,000

Mortgage Loan Application Detail Totals for Raymond James Bank N.A. in 2011

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 624 $220,899,000 $354,000 $2,000,000 $226,000 $1,665,000
Home Purchase 284 $113,517,000 $399,000 $2,000,000 $230,000 $2,932,000
Home Improvement 13 $3,331,000 $256,000 $763,000 $140,000 $406,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 665 $232,113,000 $349,000 $2,000,000 $226,000 $2,932,000
Not Provided 161 $58,754,000 $364,000 $1,294,000 $214,000 $1,617,000
Not applicable 38 $24,109,000 $634,000 $1,330,000 $208,000 $509,000
Asian 27 $12,058,000 $446,000 $1,512,000 $378,000 $2,605,000
Hispanic 19 $7,743,000 $407,000 $1,196,000 $192,000 $626,000
Black or African American 7 $939,000 $134,000 $223,000 $128,000 $432,000
Native Hawaiian or Other Pacific Islander 2 $1,532,000 $766,000 $1,400,000 $312,000 $496,000
American Indian or Alaskan Native 2 $499,000 $249,000 $330,000 $143,000 $146,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 915 $336,947,000 $368,000 $2,000,000 $227,000 $2,932,000
FHA-insured (Federal Housing Administration) 6 $800,000 $133,000 $237,000 $71,000 $108,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 418 $162,158,000 $387,000 $2,000,000 $230,000 $2,932,000
Loan Purchased By The Institution 245 $80,393,000 $328,000 $1,330,000 $260,000 $1,617,000
Application Withdrawn By Applicant 123 $44,978,000 $365,000 $1,400,000 $205,000 $1,000,000
Application Denied By Financial Institution 103 $42,533,000 $412,000 $2,000,000 $178,000 $1,650,000
File Closed For Incompleteness 30 $7,361,000 $245,000 $567,000 $145,000 $396,000
Application Approved But Not Accepted 2 $324,000 $162,000 $240,000 $161,000 $231,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Debt-To-Income Ratio 45 $19,561,000 $434,000 $1,260,000 $108,000 $318,000
Collateral 23 $7,867,000 $342,000 $1,500,000 $186,000 $708,000
Credit History 16 $7,600,000 $475,000 $2,000,000 $322,000 $1,650,000
Other 10 $3,380,000 $338,000 $704,000 $152,000 $423,000
Credit Application Incomplete 4 $1,779,000 $444,000 $600,000 $215,000 $420,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,027,000 $342,000 $654,000 $146,000 $299,000
Unverifiable Information 2 $1,319,000 $659,000 $1,100,000 $611,000 $1,191,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Raymond James Bank N.A.'s 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Raymond James Bank N.A.'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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