Raymond James Bank
Saint Petersburg, FL · What the federal mortgage record shows about how Raymond James Bank treated New Jersey applicants, 2018–2025 — 393 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 393 New Jersey applications Raymond James Bank approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Raymond James Bank’s rates ran -0.37 pp lower than the typical New Jersey lender (average rate spread -0.15 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Raymond James Bank approves
Why Raymond James Bank denied applications
Where Raymond James Bank lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Cape May County | 53 | 92.5% |
| Bergen County | 44 | 88.6% |
| Monmouth County | 43 | 95.3% |
| Ocean County | 40 | 87.5% |
| Morris County | 38 | 94.7% |
| Essex County | 30 | 83.3% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Raymond James Bank’s home-purchase originations — 1.14 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $114. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Consumer complaints
Complaints New Jersey mortgage customers filed against Raymond James Bank with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Struggling to pay mortgage. Most mortgage complaints concern servicing — payments, escrow, and foreclosure — so this reflects a company’s customer experience as much as its lending, and volume partly tracks how many loans it services. Source: CFPB Consumer Complaint Database.
Compare Raymond James Bank to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Raymond James Bank (LEI ZXMJHJK466PBZTM5F379). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →