Raymond James Bank in Florida vs the state
7.4%Denial rate-13.71 pts vs state
8.6%Decision denial rate-18.68 pts vs state
78.2%Origination rate+25.53 pts vs state
5.50%Median rate-1.13 pts vs state
-0.52Rate spread (pts)-0.78 pts vs state
$498kMedian applicant income
298Loans originated
28Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 435 | 336 | 8.1% | 5.63% | #247 |
| 2024 | 377 | 275 | 11.7% | 5.88% | #269 |
| 2025 | 381 | 298 | 7.4% | 5.50% | #278 |
What Raymond James Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Raymond James Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 47 | 36 | 2 | 4.3% |
| Pinellas County | 40 | 32 | 3 | 7.5% |
| Palm Beach County | 39 | 26 | 3 | 7.7% |
| Miami-Dade County | 36 | 23 | 4 | 11.1% |
| Lee County | 23 | 21 | 1 | 4.3% |
| Orange County | 19 | 13 | 1 | 5.3% |
| Collier County | 18 | 18 | 0 | 0.0% |
| Broward County | 17 | 13 | 1 | 5.9% |
| Duval County | 13 | 11 | 1 | 7.7% |
| Sarasota County | 13 | 12 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 381 applications in 2025, of which 298 were originated and 28 denied.
7.4% of all applications, or 8.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Raymond James Bank originated in Florida in 2025 was 5.50%, against a statewide median of 6.63%.
About this data. Figures are Raymond James Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology