Raymond James Bank in California vs the state
6.6%Denial rate-10.84 pts vs state
7.6%Decision denial rate-14.82 pts vs state
80.3%Origination rate+24.06 pts vs state
5.38%Median rate-1.25 pts vs state
-0.50Rate spread (pts)-0.77 pts vs state
$598kMedian applicant income
122Loans originated
10Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 130 | 110 | 6.2% | 5.50% | #393 |
| 2024 | 139 | 113 | 7.9% | 5.75% | #395 |
| 2025 | 152 | 122 | 6.6% | 5.38% | #390 |
What Raymond James Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Raymond James Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 62 | 46 | 9 | 14.5% |
| San Diego County | 18 | 14 | 1 | 5.6% |
| Orange County | 16 | 12 | 0 | 0.0% |
| Ventura County | 9 | 7 | 0 | 0.0% |
| Riverside County | 6 | 6 | 0 | 0.0% |
| San Francisco County | 6 | 5 | 0 | 0.0% |
| Monterey County | 4 | 4 | 0 | 0.0% |
| Sacramento County | 4 | 4 | 0 | 0.0% |
| San Luis Obispo County | 4 | 2 | 0 | 0.0% |
| Alameda County | 4 | 4 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 152 applications in 2025, of which 122 were originated and 10 denied.
6.6% of all applications, or 7.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Raymond James Bank originated in California in 2025 was 5.38%, against a statewide median of 6.63%.
About this data. Figures are Raymond James Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology