Lender profile · HMDA 2023–2025
JPMorgan Chase Bank, National Association mortgage approval rates & lending data
JPMorgan Chase Bank, National Association decided 234,174 mortgage applications and funded 199,026 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 138,687 / 155,500 | 98% | $345K | 136,131 |
| Home improvement loans | 77% | 5,732 / 7,438 | 96% | $105K | 5,475 |
| Cash-out refinance | 80% | 24,159 / 30,118 | 97% | $205K | 23,327 |
| Refinance | 89% | 18,707 / 20,970 | 97% | $365K | 18,063 |
| Investment property purchase | 85% | 12,503 / 14,642 | 97% | $355K | 12,189 |
| Investment cash-out refinance | 69% | 1,722 / 2,481 | 96% | $295K | 1,653 |
| Investment refinance | 80% | 1,492 / 1,864 | 98% | $535K | 1,455 |
| Investment home improvement | 65% | 759 / 1,161 | 97% | $185K | 733 |
JPMorgan Chase Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 87% | $705K | 30,579 | 25,947 |
| Texas | 87% | $305K | 28,096 | 23,961 |
| New York | 86% | $505K | 24,908 | 20,816 |
| Illinois | 88% | $295K | 23,111 | 19,836 |
| Florida | 81% | $355K | 19,852 | 15,785 |
| Ohio | 88% | $255K | 10,263 | 8,826 |
| New Jersey | 87% | $535K | 8,774 | 7,483 |
| Michigan | 86% | $225K | 7,269 | 6,133 |
| Arizona | 87% | $395K | 7,106 | 6,056 |
| Indiana | 88% | $215K | 6,449 | 5,582 |
| Washington | 90% | $875K | 6,118 | 5,394 |
| Georgia | 87% | $345K | 5,655 | 4,782 |
| North Carolina | 92% | $355K | 5,592 | 5,051 |
| Pennsylvania | 86% | $265K | 4,455 | 3,773 |
| Colorado | 89% | $535K | 4,034 | 3,504 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.