Raymond James Bank Mortgage Lending & HMDA Data, 2022
In 2022, Raymond James Bank of Saint Petersburg, FL reported 3,602 mortgage applications totaling $3.5 billion, up 39% from 2021. The average application was for $984,627, and applicants reported an average income of $486,397. 51% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (177), Los Angeles-Long Beach-Glendale, CA (172) and New York-Jersey City-White Plains, NY-NJ (146) (applications in parentheses).
| Mortgage Company & Address | Raymond James Bank 710 Carillon Parkway Saint Petersburg, FL 33716 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 3,602 |
| Total Mortgage Loan Application Amount | $3,546,630,000 |
| Average Mortgage Loan Application Amount | $984,627 |
| Highest Mortgage Loan Application Amount | $50,005,000 |
| Average Applicant Income | $486,397 |
| Highest Applicant Income | $9,448,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Raymond James Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Raymond James Bank in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,980 | $1,826,990,000 | $922,000 | $50,005,000 | $435,000 | $9,448,000 |
| Other Purpose | 601 | $592,615,000 | $986,000 | $10,005,000 | $670,000 | $8,015,000 |
| Refinancing | 508 | $568,360,000 | $1,118,000 | $36,505,000 | $495,000 | $8,177,000 |
| Cash-out Refinancing | 468 | $517,390,000 | $1,105,000 | $30,005,000 | $468,000 | $7,909,000 |
| Home Improvement | 45 | $41,275,000 | $917,000 | $7,705,000 | $390,000 | $1,994,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,659 | $2,544,235,000 | $956,000 | $30,005,000 | $497,000 | $8,177,000 |
| Not Provided | 460 | $446,460,000 | $970,000 | $10,005,000 | $531,000 | $9,448,000 |
| Asian | 246 | $222,210,000 | $903,000 | $8,905,000 | $352,000 | $8,500,000 |
| Hispanic | 120 | $96,500,000 | $804,000 | $3,505,000 | $382,000 | $2,239,000 |
| Black or African American | 90 | $63,890,000 | $709,000 | $7,505,000 | $477,000 | $7,992,000 |
| Not applicable | 5 | $153,015,000 | $30,603,000 | $50,005,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 3 | $3,625,000 | $1,208,000 | $1,405,000 | $410,000 | $489,000 |
| American Indian or Alaskan Native | 2 | $720,000 | $360,000 | $625,000 | $147,000 | $174,000 |
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) | 3,585 | $3,541,275,000 | $987,000 | $50,005,000 | $489,000 | $9,448,000 |
| FHA-insured (Federal Housing Administration) | 12 | $3,430,000 | $285,000 | $415,000 | $82,000 | $131,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,925,000 | $385,000 | $535,000 | $100,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,821 | $2,038,525,000 | $1,119,000 | $50,005,000 | $591,000 | $9,448,000 |
| Loan Purchased By The Institution | 1,466 | $1,189,460,000 | $811,000 | $7,505,000 | $360,000 | $8,177,000 |
| Application Withdrawn By Applicant | 173 | $141,395,000 | $817,000 | $10,005,000 | $536,000 | $7,079,000 |
| Application Denied By Financial Institution | 126 | $155,760,000 | $1,236,000 | $30,005,000 | $305,000 | $1,842,000 |
| File Closed For Incompleteness | 10 | $13,470,000 | $1,347,000 | $5,005,000 | $1,258,000 | $7,992,000 |
| Application Approved But Not Accepted | 6 | $8,020,000 | $1,336,000 | $4,155,000 | $937,000 | $3,580,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,476 | $3,390,870,000 | $975,000 | $50,005,000 | $493,000 | $9,448,000 |
| Debt-To-Income Ratio | 85 | $129,385,000 | $1,522,000 | $30,005,000 | $283,000 | $1,842,000 |
| Collateral | 22 | $14,240,000 | $647,000 | $2,405,000 | $341,000 | $979,000 |
| Credit History | 14 | $6,010,000 | $429,000 | $1,405,000 | $327,000 | $1,020,000 |
| Other | 2 | $3,510,000 | $1,755,000 | $3,505,000 | $482,000 | $864,000 |
| Unverifiable Information | 1 | $1,355,000 | $1,355,000 | $1,355,000 | $403,000 | $403,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $475,000 | $475,000 | $475,000 | $150,000 | $150,000 |
| Credit Application Incomplete | 1 | $785,000 | $785,000 | $785,000 | $700,000 | $700,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Raymond James Bank's 2022 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'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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