JPMorgan Chase Bank, National Association mortgage approval rate & lending review
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.
These are the decisions JPMorgan Chase Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
JPMorgan Chase Bank, National Association at a glance
Approval is 4.1 points above the 82.9% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where JPMorgan Chase Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cook County, IL | Mortgage lenders | 89% | 9,494 | 8,250 |
| Harris County, TX | Mortgage lenders | 88% | 4,295 | 3,703 |
| Los Angeles County, CA | Mortgage lenders | 89% | 4,040 | 3,491 |
| Queens County, NY | Mortgage lenders | 86% | 3,623 | 3,055 |
| Maricopa County, AZ | Mortgage lenders | 90% | 2,535 | 2,236 |
| Westchester County, NY | Mortgage lenders | 90% | 2,457 | 2,166 |
| King County, WA | Mortgage lenders | 92% | 2,322 | 2,122 |
| Dallas County, TX | Mortgage lenders | 90% | 2,380 | 2,086 |
| Kings County, NY | Mortgage lenders | 86% | 2,462 | 2,072 |
| Nassau County, NY | Mortgage lenders | 91% | 2,248 | 1,988 |
| New York County, NY | Mortgage lenders | 89% | 2,285 | 1,961 |
| Miami-Dade County, FL | Mortgage lenders | 78% | 2,125 | 1,615 |
The county markets where JPMorgan Chase Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about JPMorgan Chase Bank, National Association
What is JPMorgan Chase Bank, National Association's mortgage approval rate?
JPMorgan Chase Bank, National Association approved 87.0% of the 234,174 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.1 points above the 82.9% national rate for the same mix of loan types.
How often do borrowers take the loan JPMorgan Chase Bank, National Association offers?
Borrowers accepted 98% of the loans JPMorgan Chase Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does JPMorgan Chase Bank, National Association make?
The typical home purchase mortgage loan JPMorgan Chase Bank, National Association made was $345K; across all loan types its typical loan ran from $105K to $535K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does JPMorgan Chase Bank, National Association lend?
JPMorgan Chase Bank, National Association decided applications in 51 of the states Fat Boy Data covers, most of them in California, Texas and New York.
Can I apply to JPMorgan Chase Bank, National Association directly?
Yes. JPMorgan Chase Bank, National Association is a bank or credit union with 5,178 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show JPMorgan Chase Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how JPMorgan Chase Bank, National Association treats applications, then get a rate quote from the lender.