Raymond James Bank mortgage approval rate & lending review
Raymond James Bank decided 3,236 mortgage applications and funded 2,966 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Raymond James Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Raymond James Bank at a glance
Approval is 6.8 points above the 85.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 2,022 / 2,179 | 100% | $715K | 2,013 |
| Home improvement loans | 86% | 30 / 35 | 100% | $655K | 30 |
| Cash-out refinance | 86% | 143 / 166 | 100% | $745K | 143 |
| Refinance | 88% | 176 / 201 | 99% | $955K | 174 |
| Investment property purchase | 94% | 545 / 582 | 100% | $705K | 543 |
| Investment refinance | 90% | 37 / 41 | 100% | $895K | 37 |
Raymond James Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 90% | $685K | 802 | 718 |
| Texas | 90% | $915K | 307 | 277 |
| California | 94% | $1.07M | 269 | 251 |
| New York | 92% | $935K | 172 | 158 |
| North Carolina | 98% | $535K | 131 | 129 |
| Tennessee | 92% | $775K | 122 | 109 |
| New Jersey | 94% | $855K | 109 | 101 |
| South Carolina | 91% | $705K | 95 | 86 |
| Illinois | 91% | $655K | 91 | 81 |
| Arizona | 88% | $865K | 86 | 75 |
| Colorado | 92% | $755K | 77 | 70 |
| Georgia | 94% | $725K | 77 | 71 |
| Pennsylvania | 93% | $655K | 74 | 69 |
| Massachusetts | 99% | $755K | 71 | 70 |
| Michigan | 90% | $655K | 60 | 54 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Raymond James Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| New York County, NY | Mortgage lenders | 94% | 33 | 31 |
| Collier County, FL | Investment property purchase | 100% | 28 | 28 |
The county markets where Raymond James Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Raymond James Bank
What is Raymond James Bank's mortgage approval rate?
Raymond James Bank approved 92.1% of the 3,236 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.8 points above the 85.3% national rate for the same mix of loan types.
How often do borrowers take the loan Raymond James Bank offers?
Borrowers accepted 100% of the loans Raymond James Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Raymond James Bank make?
The typical home purchase mortgage loan Raymond James Bank made was $715K; across all loan types its typical loan ran from $655K to $955K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Raymond James Bank lend?
Raymond James Bank decided applications in 49 of the states Fat Boy Data covers, most of them in Florida, Texas and California.
Can I apply to Raymond James Bank directly?
Yes. Raymond James Bank is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Raymond James Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Raymond James Bank treats applications, then get a rate quote from the lender.