Raymond James Bank Mortgage Lending & HMDA Data, 2009
In 2009, Raymond James Bank of St Petersburg, FL reported 752 mortgage applications totaling $299.4 million, down 67% from 2008. The average application was for $398,090, and applicants reported an average income of $275,224. 42% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (75), Indianapolis-Carmel, IN (36) and New York-White Plains-Wayne, NY-NJ (26) (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 | 752 |
| Total Mortgage Loan Application Amount | $299,364,000 |
| Average Mortgage Loan Application Amount | $398,090 |
| Highest Mortgage Loan Application Amount | $6,100,000 |
| Average Applicant Income | $275,224 |
| Highest Applicant Income | $5,000,000 |
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Act (HMDA) records Raymond James Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 75 | $ 26,441,000 | $ 352,546 | $ 206,000 |
| Indianapolis-Carmel, IN | 36 | $ 7,628,000 | $ 211,888 | $ 166,000 |
| New York-White Plains-Wayne, NY-NJ | 26 | $ 26,805,000 | $ 1,030,961 | $ 1,228,269 |
| Houston-Sugar Land-Baytown, TX | 21 | $ 8,272,000 | $ 393,904 | $ 213,000 |
| Chicago-Naperville-Joliet, IL | 20 | $ 5,657,000 | $ 282,850 | $ 199,000 |
| Miami-Miami Beach-Kendall, FL | 19 | $ 8,438,000 | $ 444,105 | $ 409,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 19 | $ 8,317,000 | $ 437,736 | $ 295,105 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 15 | $ 3,669,000 | $ 244,600 | $ 220,000 |
| Atlanta-Sandy Springs-Marietta, GA | 14 | $ 4,054,000 | $ 289,571 | $ 175,000 |
| Cincinnati-Middletown, OH-KY-IN | 14 | $ 4,953,000 | $ 353,785 | $ 185,000 |
| Naples-Marco Island, FL | 13 | $ 6,574,000 | $ 505,692 | $ 222,000 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 6,852,000 | $ 527,076 | $ 226,000 |
| San Francisco-San Mateo-Redwood City, CA | 13 | $ 11,057,000 | $ 850,538 | $ 651,000 |
| Warren-Troy-Farmington Hills, MI | 13 | $ 2,143,000 | $ 164,846 | $ 165,000 |
| Dallas-Plano-Irving, TX | 12 | $ 5,876,000 | $ 489,666 | $ 597,000 |
| Philadelphia, PA | 11 | $ 3,180,000 | $ 289,090 | $ 181,000 |
| Bridgeport-Stamford-Norwalk, CT | 10 | $ 9,316,000 | $ 931,600 | $ 840,000 |
| Durham-Chapel Hill, NC | 10 | $ 2,580,000 | $ 258,000 | $ 133,000 |
| Orlando-Kissimmee, FL | 10 | $ 3,991,000 | $ 399,100 | $ 133,000 |
| Baltimore-Towson, MD | 9 | $ 2,075,000 | $ 230,555 | $ 117,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 4,375,000 | $ 486,111 | $ 216,000 |
| Jacksonville, FL | 9 | $ 3,855,000 | $ 428,333 | $ 250,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 1,878,000 | $ 234,750 | $ 207,000 |
| Nassau-Suffolk, NY | 8 | $ 2,687,000 | $ 335,875 | $ 271,000 |
| Los Angeles-Long Beach-Glendale, CA | 7 | $ 3,983,000 | $ 569,000 | $ 366,000 |
| Austin-Round Rock, TX | 6 | $ 2,632,000 | $ 438,666 | $ 275,000 |
| Bethesda-Frederick-Rockville, MD | 6 | $ 3,692,000 | $ 615,333 | $ 223,000 |
| Bradenton-Sarasota-Venice, FL | 6 | $ 3,038,000 | $ 506,333 | $ 368,000 |
| Denver-Aurora-Broomfield, CO | 6 | $ 2,902,000 | $ 483,666 | $ 258,000 |
| Detroit-Livonia-Dearborn, MI | 6 | $ 1,192,000 | $ 198,666 | $ 138,000 |
| Boston-Quincy, MA | 5 | $ 1,265,000 | $ 253,000 | $ 385,000 |
| Charlotte-Gastonia-Concord, NC-SC | 5 | $ 973,000 | $ 194,600 | $ 94,800 |
| Kalamazoo-Portage, MI | 5 | $ 1,011,000 | $ 202,200 | $ 112,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 1,447,000 | $ 289,400 | $ 117,000 |
| Port St. Lucie, FL | 5 | $ 1,398,000 | $ 279,600 | $ 134,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 3,767,000 | $ 753,400 | $ 231,000 |
| St. Louis, MO-IL | 5 | $ 1,523,000 | $ 304,600 | $ 190,800 |
| Camden, NJ | 4 | $ 863,000 | $ 215,750 | $ 435,000 |
| Chattanooga, TN-GA | 4 | $ 707,000 | $ 176,750 | $ 95,000 |
| Columbus, OH | 4 | $ 1,373,000 | $ 343,250 | $ 116,000 |
| Edison-New Brunswick, NJ | 4 | $ 1,026,000 | $ 256,500 | $ 243,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 1,529,000 | $ 382,250 | $ 177,000 |
| Rockford, IL | 4 | $ 427,000 | $ 106,750 | $ 42,000 |
| Salt Lake City, UT | 4 | $ 3,736,000 | $ 934,000 | $ 780,000 |
| San Antonio, TX | 4 | $ 1,047,000 | $ 261,750 | $ 135,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 4,335,000 | $ 1,083,750 | $ 311,000 |
| Albuquerque, NM | 3 | $ 384,000 | $ 128,000 | $ 71,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 605,000 | $ 201,666 | $ 212,000 |
| Danville, IL | 3 | $ 709,000 | $ 236,333 | $ 94,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 229,000 | $ 76,333 | $ 113,000 |
| Fort Wayne, IN | 3 | $ 337,000 | $ 112,333 | $ 68,000 |
| Gary, IN | 3 | $ 532,000 | $ 177,333 | $ 69,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 1,122,000 | $ 374,000 | $ 101,000 |
| Medford, OR | 3 | $ 876,000 | $ 292,000 | $ 102,000 |
| Memphis, TN-MS-AR | 3 | $ 470,000 | $ 156,666 | $ 143,333 |
| Newark-Union, NJ-PA | 3 | $ 1,530,000 | $ 510,000 | $ 318,000 |
| Ocala, FL | 3 | $ 592,000 | $ 197,333 | $ 57,000 |
| Oklahoma City, OK | 3 | $ 1,102,000 | $ 367,333 | $ 170,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 3 | $ 301,000 | $ 100,333 | $ 74,000 |
| Pittsburgh, PA | 3 | $ 670,000 | $ 223,333 | $ 512,000 |
| Providence-New Bedford-Fall River, RI-MA | 3 | $ 2,193,000 | $ 731,000 | $ 288,000 |
| Raleigh-Cary, NC | 3 | $ 1,468,000 | $ 489,333 | $ 213,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 656,000 | $ 218,666 | $ 222,000 |
| Salinas, CA | 3 | $ 1,227,000 | $ 409,000 | $ 708,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 2,635,000 | $ 878,333 | $ 797,000 |
| Asheville, NC | 2 | $ 459,000 | $ 229,500 | $ 82,000 |
| Battle Creek, MI | 2 | $ 735,000 | $ 367,500 | $ 340,000 |
| Birmingham-Hoover, AL | 2 | $ 666,000 | $ 333,000 | $ 185,000 |
| Boise City-Nampa, ID | 2 | $ 397,000 | $ 198,500 | $ 76,000 |
| Brunswick, GA | 2 | $ 7,200,000 | $ 3,600,000 | $ 975,000 |
| Decatur, IL | 2 | $ 359,000 | $ 179,500 | $ 179,000 |
| Erie, PA | 2 | $ 270,000 | $ 135,000 | $ 62,000 |
| Evansville, IN-KY | 2 | $ 292,000 | $ 146,000 | $ 81,000 |
| Fort Worth-Arlington, TX | 2 | $ 463,000 | $ 231,500 | $ 87,000 |
| Huntsville, AL | 2 | $ 333,000 | $ 166,500 | $ 104,000 |
| Lansing-East Lansing, MI | 2 | $ 539,000 | $ 269,500 | $ 111,000 |
| Las Vegas-Paradise, NV | 2 | $ 647,000 | $ 323,500 | $ 322,000 |
| Lexington-Fayette, KY | 2 | $ 424,000 | $ 212,000 | $ 140,000 |
| Manhattan, KS | 2 | $ 1,495,000 | $ 747,500 | $ 179,000 |
| Muncie, IN | 2 | $ 303,000 | $ 151,500 | $ 118,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 499,000 | $ 249,500 | $ 121,000 |
| Richmond, VA | 2 | $ 372,000 | $ 186,000 | $ 109,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 591,000 | $ 295,500 | $ 405,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 2,125,000 | $ 1,062,500 | $ 490,000 |
| Stockton, CA | 2 | $ 718,000 | $ 359,000 | $ 128,000 |
| Toledo, OH | 2 | $ 765,000 | $ 382,500 | $ 212,000 |
| Wichita, KS | 2 | $ 186,000 | $ 93,000 | $ 64,000 |
| Wilmington, NC | 2 | $ 578,000 | $ 289,000 | $ 123,000 |
| Worcester, MA | 2 | $ 347,000 | $ 173,500 | $ 220,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 366,000 | $ 183,000 | $ 143,000 |
| Akron, OH | 1 | $ 350,000 | $ 350,000 | $ 252,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 30,000 | $ 30,000 | $ 119,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 330,000 | $ 330,000 | $ 200,000 |
| Auburn-Opelika, AL | 1 | $ 1,200,000 | $ 1,200,000 | $ 311,000 |
| Barnstable Town, MA | 1 | $ 210,000 | $ 210,000 | $ 121,000 |
| Baton Rouge, LA | 1 | $ 361,000 | $ 361,000 | $ 300,000 |
| Beaumont-Port Arthur, TX | 1 | $ 200,000 | $ 200,000 | $ 121,000 |
| Burlington-South Burlington, VT | 1 | $ 177,000 | $ 177,000 | $ 51,000 |
| Canton-Massillon, OH | 1 | $ 300,000 | $ 300,000 | $ 239,000 |
| Charleston, WV | 1 | $ 265,000 | $ 265,000 | $ 89,000 |
| Cheyenne, WY | 1 | $ 282,000 | $ 282,000 | $ 93,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 200,000 | $ 200,000 | $ 100,000 |
| Colorado Springs, CO | 1 | $ 314,000 | $ 314,000 | $ 123,000 |
| Columbia, SC | 1 | $ 468,000 | $ 468,000 | $ 286,000 |
| Cumberland, MD-WV | 1 | $ 120,000 | $ 120,000 | $ 53,000 |
| Dayton, OH | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Des Moines-West Des Moines, IA | 1 | $ 206,000 | $ 206,000 | $ 127,000 |
| El Paso, TX | 1 | $ 241,000 | $ 241,000 | $ 85,000 |
| Eugene-Springfield, OR | 1 | $ 105,000 | $ 105,000 | $ 154,000 |
| Flint, MI | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Fort Smith, AR-OK | 1 | $ 99,000 | $ 99,000 | $ 58,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 101,000 | $ 101,000 | $ 50,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 374,000 | $ 374,000 | $ 158,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 500,000 | $ 500,000 | $ 340,000 |
| Harrisburg-Carlisle, PA | 1 | $ 282,000 | $ 282,000 | $ 136,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 32,000 | $ 32,000 | $ 26,000 |
| Johnson City, TN | 1 | $ 250,000 | $ 250,000 | $ 93,000 |
| Knoxville, TN | 1 | $ 177,000 | $ 177,000 | $ 186,000 |
| Lafayette, LA | 1 | $ 193,000 | $ 193,000 | $ 106,000 |
| Lynchburg, VA | 1 | $ 350,000 | $ 350,000 | $ 127,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 158,000 | $ 158,000 | $ 54,000 |
| Midland, TX | 1 | $ 125,000 | $ 125,000 | $ 102,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 138,000 | $ 138,000 | $ 91,000 |
| Monroe, MI | 1 | $ 154,000 | $ 154,000 | $ 107,000 |
| Muskegon-Norton Shores, MI | 1 | $ 113,000 | $ 113,000 | $ 95,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 118,000 | $ 118,000 | $ 85,000 |
| New Haven-Milford, CT | 1 | $ 1,156,000 | $ 1,156,000 | $ 1,963,000 |
| Ocean City, NJ | 1 | $ 407,000 | $ 407,000 | $ 1,137,000 |
| Olympia, WA | 1 | $ 180,000 | $ 180,000 | $ 96,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 146,000 | $ 146,000 | $ 45,000 |
| Peabody, MA | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 191,000 | $ 191,000 | $ 231,000 |
| Provo-Orem, UT | 1 | $ 284,000 | $ 284,000 | $ 66,000 |
| Punta Gorda, FL | 1 | $ 265,000 | $ 265,000 | $ 55,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 410,000 | $ 410,000 | $ 212,000 |
| Rockingham County-Strafford County, NH | 1 | $ 692,000 | $ 692,000 | $ 182,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 267,000 | $ 267,000 | $ 146,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 398,000 | $ 398,000 | $ 146,000 |
| Savannah, GA | 1 | $ 417,000 | $ 417,000 | $ 115,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 125,000 | $ 125,000 | $ 128,000 |
| Springfield, MO | 1 | $ 114,000 | $ 114,000 | $ 105,000 |
| Sumter, SC | 1 | $ 185,000 | $ 185,000 | $ 63,000 |
| Tulsa, OK | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 1,530,000 | $ 1,530,000 | $ 411,000 |
Mortgage Loan Application Detail Totals for Raymond James Bank in 2009
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 | 507 | $187,273,000 | $369,000 | $6,100,000 | $237,000 | $5,000,000 |
| Home Purchase | 205 | $101,830,000 | $496,000 | $3,750,000 | $394,000 | $4,455,000 |
| Home Improvement | 40 | $10,261,000 | $256,000 | $1,125,000 | $151,000 | $778,000 |
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 | 556 | $203,686,000 | $366,000 | $2,370,000 | $252,000 | $5,000,000 |
| Not Provided | 157 | $75,275,000 | $479,000 | $6,100,000 | $354,000 | $4,455,000 |
| Black or African American | 14 | $10,142,000 | $724,000 | $3,750,000 | $273,000 | $1,426,000 |
| Hispanic | 11 | $5,556,000 | $505,000 | $1,900,000 | $359,000 | $1,250,000 |
| Asian | 8 | $2,715,000 | $339,000 | $710,000 | $238,000 | $468,000 |
| American Indian or Alaskan Native | 4 | $1,302,000 | $325,000 | $455,000 | $238,000 | $465,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $688,000 | $344,000 | $357,000 | $266,000 | $350,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 752 | $299,364,000 | $398,000 | $6,100,000 | $275,000 | $5,000,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 319 | $97,290,000 | $304,000 | $3,000,000 | $188,000 | $1,516,000 |
| Application Denied By Financial Institution | 162 | $73,395,000 | $453,000 | $6,100,000 | $201,000 | $2,400,000 |
| Application Withdrawn By Applicant | 114 | $29,417,000 | $258,000 | $1,100,000 | $212,000 | $1,800,000 |
| Loan Purchased By The Institution | 95 | $82,015,000 | $863,000 | $2,000,000 | $821,000 | $5,000,000 |
| File Closed For Incompleteness | 58 | $15,567,000 | $268,000 | $1,100,000 | $183,000 | $1,325,000 |
| Application Approved But Not Accepted | 4 | $1,680,000 | $420,000 | $1,082,000 | $437,000 | $1,516,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 47 | $16,407,000 | $349,000 | $1,280,000 | $189,000 | $732,000 |
| Debt-To-Income Ratio | 40 | $19,249,000 | $481,000 | $3,450,000 | $100,000 | $525,000 |
| Other | 38 | $17,126,000 | $450,000 | $3,750,000 | $302,000 | $2,400,000 |
| Credit History | 23 | $14,147,000 | $615,000 | $6,100,000 | $243,000 | $1,496,000 |
| Unverifiable Information | 7 | $3,115,000 | $445,000 | $820,000 | $184,000 | $350,000 |
| Mortgage Insurance Denied | 3 | $780,000 | $260,000 | $383,000 | $175,000 | $275,000 |
| Employment History | 2 | $894,000 | $447,000 | $700,000 | $180,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,530,000 | $1,530,000 | $1,530,000 | $411,000 | $411,000 |
| Credit Application Incomplete | 1 | $147,000 | $147,000 | $147,000 | $58,000 | $58,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Raymond James Bank's 2009 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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