Raymond James Bank Mortgage Lending & HMDA Data, 2004
In 2004, Raymond James Bank of St Petersburg, FL reported 678 mortgage applications totaling $202.4 million, down 53% from 2003. The average application was for $298,500, and applicants reported an average income of $145,964. 39% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (94), Atlanta-Sandy Springs-Marietta, GA (19) and Warren-Farmington Hills-Troy, MI (19) (applications in parentheses).
| Mortgage Company & Address | Raymond James Bank 710 Carillon Pkwy St Petersburg, FL 33716 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 678 |
| Total Mortgage Loan Application Amount | $202,383,000 |
| Average Mortgage Loan Application Amount | $298,500 |
| Highest Mortgage Loan Application Amount | $2,350,000 |
| Average Applicant Income | $145,964 |
| Highest Applicant Income | $2,332,000 |
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Act (HMDA) records Raymond James Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 94 | $ 16,687,000 | $ 177,521 | $ 81,000 |
| Atlanta-Sandy Springs-Marietta, GA | 19 | $ 4,571,000 | $ 240,578 | $ 95,000 |
| Warren-Farmington Hills-Troy, MI | 19 | $ 7,516,000 | $ 395,578 | $ 209,000 |
| Chicago-Naperville-Joliet, IL | 18 | $ 7,463,000 | $ 414,611 | $ 159,000 |
| Bethesda-Frederick-Gaithersburg, MD | 16 | $ 6,572,000 | $ 410,750 | $ 237,000 |
| Phoenix-Mesa-Scottsdale, AZ | 16 | $ 4,305,000 | $ 269,062 | $ 249,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 15 | $ 2,882,000 | $ 192,133 | $ 127,000 |
| Baltimore-Towson, MD | 13 | $ 3,777,000 | $ 290,538 | $ 109,000 |
| Orlando, FL | 12 | $ 2,078,000 | $ 173,166 | $ 87,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 12 | $ 4,785,000 | $ 398,750 | $ 138,000 |
| Austin-Round Rock, TX | 11 | $ 4,982,000 | $ 452,909 | $ 190,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 4,183,000 | $ 380,272 | $ 113,000 |
| Houston-Baytown-Sugar Land, TX | 11 | $ 2,766,000 | $ 251,454 | $ 259,000 |
| Oakland-Fremont-Hayward, CA | 11 | $ 4,694,000 | $ 426,727 | $ 128,000 |
| Philadelphia, PA | 11 | $ 2,953,000 | $ 268,454 | $ 152,000 |
| Jacksonville, FL | 10 | $ 2,434,000 | $ 243,400 | $ 158,000 |
| Denver-Aurora, CO | 8 | $ 3,014,000 | $ 376,750 | $ 119,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,610,000 | $ 230,000 | $ 207,000 |
| Sarasota-Bradenton-Venice, FL | 7 | $ 2,945,000 | $ 420,714 | $ 326,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 1,388,000 | $ 198,285 | $ 66,000 |
| Columbus, OH | 6 | $ 1,065,000 | $ 177,500 | $ 146,000 |
| Indianapolis, IN | 6 | $ 1,137,000 | $ 189,500 | $ 112,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 2,617,000 | $ 436,166 | $ 159,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 1,706,000 | $ 284,333 | $ 130,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 1,084,000 | $ 180,666 | $ 99,000 |
| Salt Lake City, UT | 6 | $ 1,227,000 | $ 204,500 | $ 115,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 2,417,000 | $ 402,833 | $ 104,000 |
| Dallas-Plano-Irving, TX | 5 | $ 1,892,000 | $ 378,400 | $ 164,000 |
| Naples-Marco Island, FL | 5 | $ 963,000 | $ 192,600 | $ 244,000 |
| Newark-Union, NJ-PA | 5 | $ 2,449,000 | $ 489,800 | $ 269,000 |
| Ann Arbor, MI | 4 | $ 1,825,000 | $ 456,250 | $ 207,000 |
| Detroit-Livonia-Dearborn, MI | 4 | $ 2,196,000 | $ 549,000 | $ 284,000 |
| Santa Ana-Anaheim-Irvine, CA | 4 | $ 1,278,000 | $ 319,500 | $ 89,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 677,000 | $ 169,250 | $ 111,000 |
| Boulder, CO | 3 | $ 1,121,000 | $ 373,666 | $ 200,000 |
| Edison, NJ | 3 | $ 1,197,000 | $ 399,000 | $ 140,000 |
| Las Vegas-Paradise, NV | 3 | $ 886,000 | $ 295,333 | $ 91,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 1,188,000 | $ 396,000 | $ 42,000 |
| Tulsa, OK | 3 | $ 934,000 | $ 311,333 | $ 206,000 |
| Albuquerque, NM | 2 | $ 307,000 | $ 153,500 | $ 43,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 380,000 | $ 190,000 | $ 87,000 |
| Battle Creek, MI | 2 | $ 255,000 | $ 127,500 | $ 124,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 746,000 | $ 373,000 | $ 107,000 |
| Cheyenne, WY | 2 | $ 350,000 | $ 175,000 | $ 56,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 587,000 | $ 293,500 | $ 91,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 495,000 | $ 247,500 | $ 72,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 210,000 | $ 105,000 | $ 32,000 |
| Durham, NC | 2 | $ 344,000 | $ 172,000 | $ 91,000 |
| Fort Wayne, IN | 2 | $ 262,000 | $ 131,000 | $ 43,000 |
| Fort Worth-Arlington, TX | 2 | $ 573,000 | $ 286,500 | $ 78,000 |
| Harrisburg-Carlisle, PA | 2 | $ 210,000 | $ 105,000 | $ 47,000 |
| Louisville, KY-IN | 2 | $ 390,000 | $ 195,000 | $ 28,000 |
| Memphis, TN-MS-AR | 2 | $ 688,000 | $ 344,000 | $ 105,000 |
| Montgomery, AL | 2 | $ 880,000 | $ 440,000 | $ 153,000 |
| Muskegon-Norton Shores, MI | 2 | $ 797,000 | $ 398,500 | $ 21,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 641,000 | $ 320,500 | $ 137,000 |
| Nassau-Suffolk, NY | 2 | $ 1,300,000 | $ 650,000 | $ 196,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 884,000 | $ 442,000 | $ 58,000 |
| Ocala, FL | 2 | $ 399,000 | $ 199,500 | $ 76,000 |
| Ocean City, NJ | 2 | $ 455,000 | $ 227,500 | $ 167,000 |
| Pittsburgh, PA | 2 | $ 970,000 | $ 485,000 | $ 193,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 448,000 | $ 224,000 | $ 311,000 |
| Punta Gorda, FL | 2 | $ 303,000 | $ 151,500 | $ 58,000 |
| Reno-Sparks, NV | 2 | $ 398,000 | $ 199,000 | $ 39,000 |
| Richmond, VA | 2 | $ 337,000 | $ 168,500 | $ 79,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 568,000 | $ 284,000 | $ 63,000 |
| San Antonio, TX | 2 | $ 183,000 | $ 91,500 | $ 32,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,288,000 | $ 644,000 | $ 134,000 |
| Savannah, GA | 2 | $ 1,135,000 | $ 567,500 | $ 71,000 |
| St. Louis, MO-IL | 2 | $ 931,000 | $ 465,500 | $ 325,000 |
| Stockton, CA | 2 | $ 1,436,000 | $ 718,000 | $ 454,000 |
| Toledo, OH | 2 | $ 348,000 | $ 174,000 | $ 89,000 |
| Wichita, KS | 2 | $ 168,000 | $ 84,000 | $ 45,000 |
| Wilmington, DE-MD-NJ | 2 | $ 616,000 | $ 308,000 | $ 300,000 |
| Wilmington, NC | 2 | $ 463,000 | $ 231,500 | $ 132,000 |
| Worcester, MA | 2 | $ 759,000 | $ 379,500 | $ 121,000 |
| Akron, OH | 1 | $ 443,000 | $ 443,000 | $ 86,000 |
| Albany, GA | 1 | $ 139,000 | $ 139,000 | $ 72,000 |
| Anchorage, AK | 1 | $ 216,000 | $ 216,000 | $ 66,000 |
| Anderson, SC | 1 | $ 120,000 | $ 120,000 | $ 30,000 |
| Asheville, NC | 1 | $ 258,000 | $ 258,000 | $ 78,000 |
| Barnstable Town, MA | 1 | $ 264,000 | $ 264,000 | $ 104,000 |
| Bellingham, WA | 1 | $ 248,000 | $ 248,000 | $ 87,000 |
| Bend, OR | 1 | $ 303,000 | $ 303,000 | $ 157,000 |
| Birmingham-Hoover, AL | 1 | $ 650,000 | $ 650,000 | $ 149,000 |
| Boise City-Nampa, ID | 1 | $ 98,000 | $ 98,000 | $ 53,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 539,000 | $ 539,000 | $ 0 |
| Brunswick, GA | 1 | $ 2,000,000 | $ 2,000,000 | $ 600,000 |
| Burlington, NC | 1 | $ 248,000 | $ 248,000 | $ 110,000 |
| Camden, NJ | 1 | $ 125,000 | $ 125,000 | $ 266,000 |
| Charleston-North Charleston, SC | 1 | $ 111,000 | $ 111,000 | $ 91,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 287,000 | $ 287,000 | $ 95,000 |
| Coeur D'Alene, ID | 1 | $ 100,000 | $ 100,000 | $ 66,000 |
| Colorado Springs, CO | 1 | $ 379,000 | $ 379,000 | $ 130,000 |
| Columbia, SC | 1 | $ 197,000 | $ 197,000 | $ 128,000 |
| Dayton, OH | 1 | $ 69,000 | $ 69,000 | $ 27,000 |
| El Centro, CA | 1 | $ 183,000 | $ 183,000 | $ 68,000 |
| Essex County, MA | 1 | $ 315,000 | $ 315,000 | $ 200,000 |
| Flint, MI | 1 | $ 150,000 | $ 150,000 | $ 250,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 439,000 | $ 439,000 | $ 119,000 |
| Gainesville, FL | 1 | $ 110,000 | $ 110,000 | $ 49,000 |
| Gary, IN | 1 | $ 431,000 | $ 431,000 | $ 192,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 495,000 | $ 495,000 | $ 118,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 346,000 | $ 346,000 | $ 122,000 |
| Holland-Grand Haven, MI | 1 | $ 492,000 | $ 492,000 | $ 207,000 |
| Honolulu, HI | 1 | $ 218,000 | $ 218,000 | $ 94,000 |
| Kansas City, MO-KS | 1 | $ 233,000 | $ 233,000 | $ 180,000 |
| Lake Charles, LA | 1 | $ 302,000 | $ 302,000 | $ 129,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 360,000 | $ 360,000 | $ 502,000 |
| Lakeland, FL | 1 | $ 104,000 | $ 104,000 | $ 121,000 |
| Lubbock, TX | 1 | $ 90,000 | $ 90,000 | $ 159,000 |
| Lynchburg, VA | 1 | $ 255,000 | $ 255,000 | $ 118,000 |
| Medford, OR | 1 | $ 106,000 | $ 106,000 | $ 60,000 |
| Merced, CA | 1 | $ 259,000 | $ 259,000 | $ 66,000 |
| Midland, TX | 1 | $ 100,000 | $ 100,000 | $ 93,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 479,000 | $ 479,000 | $ 265,000 |
| Monroe, MI | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Napa, CA | 1 | $ 478,000 | $ 478,000 | $ 147,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 623,000 | $ 623,000 | $ 893,000 |
| Oklahoma City, OK | 1 | $ 64,000 | $ 64,000 | $ 147,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 118,000 | $ 118,000 | $ 43,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 216,000 | $ 216,000 | $ 67,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 592,000 | $ 592,000 | $ 424,000 |
| Provo-Orem, UT | 1 | $ 191,000 | $ 191,000 | $ 58,000 |
| Raleigh-Cary, NC | 1 | $ 578,000 | $ 578,000 | $ 136,000 |
| Rochester, NY | 1 | $ 100,000 | $ 100,000 | $ 25,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 160,000 | $ 160,000 | $ 84,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 140,000 | $ 140,000 | $ 114,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 350,000 | $ 350,000 | $ 111,000 |
| Spokane, WA | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Springfield, MO | 1 | $ 117,000 | $ 117,000 | $ 57,000 |
| Tallahassee, FL | 1 | $ 112,000 | $ 112,000 | $ 86,000 |
| Trenton-Ewing, NJ | 1 | $ 460,000 | $ 460,000 | $ 396,000 |
| Tucson, AZ | 1 | $ 382,000 | $ 382,000 | $ 212,000 |
| Vallejo-Fairfield, CA | 1 | $ 400,000 | $ 400,000 | $ 72,000 |
| Vero Beach, FL | 1 | $ 115,000 | $ 115,000 | $ 69,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 394,000 | $ 394,000 | $ 508,000 |
| Yuma, AZ | 1 | $ 143,000 | $ 143,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Raymond James Bank in 2004
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 | 338 | $102,080,000 | $314,162 | $2,350,000 | $164,093 | $2,332,000 |
| Refinancing | 304 | $92,219,000 | $316,829 | $1,755,000 | $158,756 | $1,344,000 |
| Home Improvement | 36 | $8,084,000 | $235,058 | $650,000 | $104,647 | $1,340,000 |
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 | 427 | $127,404,000 | $296,906 | $1,395,000 | $147,325 | $1,340,000 |
| Not Provided | 208 | $60,908,000 | $323,552 | $2,350,000 | $173,131 | $2,332,000 |
| Asian | 17 | $7,252,000 | $346,428 | $914,000 | $304,285 | $893,000 |
| Hispanic | 11 | $2,811,000 | $254,500 | $405,000 | $69,500 | $166,000 |
| Black or African American | 9 | $1,930,000 | $205,285 | $412,000 | $99,142 | $352,000 |
| Not applicable | 4 | $1,592,000 | $398,000 | $561,000 | $149,750 | $250,000 |
| American Indian or Alaskan Native | 1 | $186,000 | $186,000 | $186,000 | $52,000 | $52,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $300,000 | $300,000 | $300,000 | $120,000 | $120,000 |
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) | 676 | $202,164,000 | $308,155 | $2,350,000 | $157,977 | $2,332,000 |
| FHA-insured (Federal Housing Administration) | 1 | $94,000 | $94,000 | $94,000 | $31,000 | $31,000 |
| VA-guaranteed (Veterans Administration) | 1 | $125,000 | $125,000 | $125,000 | $26,000 | $26,000 |
| 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 Purchased By The Institution | 309 | $106,337,000 | $342,764 | $999,000 | $168,264 | $1,340,000 |
| Loan Originated | 266 | $61,737,000 | $262,625 | $2,350,000 | $160,100 | $2,332,000 |
| Application Approved But Not Accepted | 39 | $12,717,000 | $343,125 | $2,000,000 | $143,375 | $900,000 |
| Application Denied By Financial Institution | 37 | $12,754,000 | $384,583 | $1,755,000 | $112,666 | $307,000 |
| Application Withdrawn By Applicant | 16 | $3,940,000 | $252,750 | $830,000 | $207,000 | $850,000 |
| Preapproval Denied by Financial Institution | 10 | $4,248,000 | $424,000 | $1,645,000 | $116,000 | $360,000 |
| File Closed For Incompleteness | 1 | $650,000 | $650,000 | $650,000 | $340,000 | $340,000 |
| Preapproval Approved but not Accepted | 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 | 20 | $7,837,000 | $486,500 | $1,755,000 | $66,500 | $307,000 |
| Collateral | 11 | $3,135,000 | $256,500 | $532,000 | $129,666 | $300,000 |
| Credit History | 7 | $2,260,000 | $295,200 | $873,000 | $133,800 | $360,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,134,000 | $378,000 | $510,000 | $117,000 | $142,000 |
| Other | 2 | $1,020,000 | $510,000 | $556,000 | $150,000 | $151,000 |
| Employment History | 2 | $783,000 | $391,500 | $650,000 | $168,500 | $278,000 |
| Credit Application Incomplete | 1 | $580,000 | $580,000 | $580,000 | $31,000 | $31,000 |
| Unverifiable Information | 1 | $253,000 | $253,000 | $253,000 | $111,000 | $111,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Raymond James Bank's 2004 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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