Raymond James Bank closing costs and rates (2024)
In 2024, Raymond James Bank originated 692 purchase mortgages at a median interest rate of 5.88% and median total closing costs of $5,078. That ranks #512 nationally by origination volume. For total closing costs among lenders with 500+ originations, Raymond James Bank ranks #204. That is $1,663 below the national median of $6,741. Raymond James Bank is most active in Florida with 143 originations there.
Purchase Originations
692
Ranked #512 nationally
Median Total Costs
$5,078
−24.7% vs national ($6,741)
Median Rate
5.875%
−11.3% vs national (6.620%)
Median Origination
$0
Median Lender Credits
$54
Cost Rank (500+ vol.)
#204
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 689 | 5.875% | $5,059 | $0 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 143 | 5.875% | $6,671 | #204 |
| Texas | 56 | 5.875% | $7,619 | #343 |
| California | 47 | 5.750% | $7,453 | — |
| New York | 35 | 5.875% | $5,792 | — |
| North Carolina | 33 | 6.000% | $3,837 | — |
| Tennessee | 30 | 5.812% | $4,697 | — |
| New Jersey | 29 | 5.875% | $6,810 | — |
| Arizona | 21 | 5.875% | $5,321 | — |
| Pennsylvania | 19 | 6.000% | $6,372 | — |
| Illinois | 18 | 5.938% | $5,760 | — |
| South Carolina | 18 | 5.875% | $4,368 | — |
| Georgia | 16 | 6.125% | $4,286 | — |
| Indiana | 16 | 6.062% | $2,315 | — |
| Missouri | 16 | 5.812% | $3,245 | — |
| Colorado | 15 | 5.875% | $3,196 | — |
| Maryland | 14 | 6.000% | $5,517 | — |
| Virginia | 14 | 5.875% | $4,423 | — |
| Massachusetts | 13 | 6.125% | $5,336 | — |
| Ohio | 12 | 6.000% | $4,260 | — |
| Michigan | 11 | 6.000% | $2,846 | — |
| Washington | 11 | 5.500% | $4,111 | — |
| Alabama | 10 | 6.312% | $3,130 | — |
| Utah | 10 | 6.188% | $3,371 | — |
| Oregon | 9 | 5.875% | $4,854 | — |
| Maine | 8 | 5.812% | $3,937 | — |
| Kentucky | 7 | 6.125% | $2,768 | — |
| Wisconsin | 7 | 6.000% | $3,049 | — |
| Louisiana | 6 | 5.938% | $5,803 | — |
| Arkansas | 5 | 5.750% | $3,057 | — |
| Minnesota | 5 | 5.875% | $3,846 | — |
| Mississippi | 4 | 5.750% | $4,219 | — |
| Oklahoma | 4 | 5.812% | $3,738 | — |
| Connecticut | 3 | 5.750% | $6,439 | — |
| Hawaii | 3 | 5.375% | $8,143 | — |
| Idaho | 3 | 5.250% | $3,701 | — |
| Nebraska | 3 | 6.500% | $2,967 | — |
| Rhode Island | 3 | 6.375% | $4,088 | — |
| Iowa | 2 | 6.125% | $2,741 | — |
| Kansas | 2 | 6.125% | $3,046 | — |
| Montana | 2 | 6.000% | $3,729 | — |
| South Dakota | 2 | 6.125% | $2,983 | — |
| Vermont | 2 | 5.312% | $6,269 | — |
| Alaska | 1 | 7.000% | $5,196 | — |
| District of Columbia | 1 | 6.500% | $4,436 | — |
| New Mexico | 1 | 6.125% | $2,170 | — |
| Nevada | 1 | 5.625% | $8,228 | — |
| Wyoming | 1 | 6.000% | $13,847 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,385 | 6.125% | — | 9 | −$1,693 | |
| 2 | $4,353 | 5.875% | — | 7 | −$725 | |
| 3 | $4,395 | 6.062% | — | 18 | −$683 | |
| 4 | $4,707 | 5.875% | — | 9 | −$371 | |
| 5 | $4,832 | 5.875% | — | 9 | −$246 | |
| 6 | $5,211 | 5.625% | — | 11 | +$133 | |
| 7 | $6,189 | 5.750% | — | 7 | +$1,111 | |
| 8 | $6,275 | 5.875% | — | 15 | +$1,197 | |
| 9 | $6,354 | 5.625% | — | 9 | +$1,276 | |
| 10 | $6,714 | 5.875% | — | 27 | +$1,636 | |
| 11 | $6,720 | 6.000% | — | 8 | +$1,642 | |
| 12 | $7,017 | 5.875% | — | 7 | +$1,939 | |
| 13 | $7,051 | 5.750% | — | 9 | +$1,973 | |
| 14 | $7,488 | 5.500% | — | 7 | +$2,410 | |
| 15 | $7,544 | 6.000% | — | 7 | +$2,466 | |
| 16 | $7,839 | 5.875% | — | 8 | +$2,761 | |
| 17 | $8,037 | 5.812% | — | 20 | +$2,959 | |
| 18 | $8,712 | 5.875% | — | 11 | +$3,634 | |
| 19 | $8,853 | 5.875% | — | 13 | +$3,775 | |
| 20 | $9,742 | 5.875% | — | 11 | +$4,664 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.