Lender profile · HMDA 2025

JPMorgan Chase Bank, N.A.: 2025 mortgage rates, costs & approvals

How JPMorgan Chase Bank, N.A. priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: JPMorgan Chase Bank, National Association · LEI 7H6GLXDRUGQFU57RNE97

In 2025, JPMorgan Chase Bank, N.A. originated 71,612 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 5th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.49% (all lenders: 6.625%); its median rate spread was 19 basis points below the national median. Median conventional loan costs were $4,700, 16% lower than the national median ($5,570).

It denied 10.9% of completed home-purchase applications (all lenders: 8.5%).

Loans

71,612

of 83,550 applications

Denial rate

10.9%

Purchase · all 8.5%

30-yr fixed rate

6.49%

Conv. · all 6.625%

Loan costs

$4,700

Conv. · all $5,570

Loan amount

$365,000

Purchase · all $335,000

Borrower income

$144,000

Purchase · all $116,000

How JPMorgan Chase Bank, N.A. priced home-purchase loans

Purchase loans, 2025	JPMorgan Chase Bank, N.A.	All lenders
30-year fixed rate · conventional	6.490%	6.625%
30-year fixed rate · FHA	6.250%	6.250%
30-year fixed rate · VA	6.125%	6.125%
15-year fixed rate · conventional	5.750%	5.875%
Rate spread vs. APOR · conventional	−0.05 pts	+0.13 pts
Total loan costs · conventional	$4,700	$5,570
Total loan costs · FHA	$5,970	$11,310
Total loan costs · VA	$3,820	$6,490
Origination charges (all types)	$1,450	$1,860
Borrowers paying discount points	61.2%	51.3%
Points paid, when paid (% of loan)	0.69%	0.87%
Borrowers receiving lender credits	27.9%	33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 96.2% 68,887

FHA 2.4% 1,714

VA 1.4% 1,011

By purpose

Home purchase 69.4% 49,703

Refinance 16.3% 11,646

Cash-out refinance 14.3% 10,263

Home value

$475,000

Median, purchase loans

Down payment

20%

All lenders 10%

Refi rate

6.25%

30-yr fixed, conventional

Refi denial rate

10.0%

Cash-out 20.0%

Why JPMorgan Chase Bank, N.A. denied purchase applications

Debt-to-income ratio 32.5% 2,021

Collateral (appraisal/property) 30.4% 1,892

Other 12.6% 782

Unverifiable information 9.1% 569

Credit history 8.7% 541

Employment history 4.1% 254

Insufficient cash (down payment/closing costs) 2.4% 149

Mortgage insurance denied 0.2% 13

First reason the lender reported for each denied home-purchase application.

Where JPMorgan Chase Bank, N.A. lends

State	Loans	Applications	Purchase denial rate	30-yr rate*	Loan costs*
California	8,682	10,139	11.0%	6.500%	$6,030
Texas	8,392	9,775	10.1%	6.500%	$5,460
Illinois	7,161	8,295	11.0%	6.500%	$5,120
New York	6,989	8,326	12.1%	6.490%	$6,070
Florida	4,533	5,646	15.3%	6.500%	$5,610
Ohio	3,342	3,870	11.7%	6.500%	$3,670
New Jersey	2,643	3,066	9.5%	6.375%	$5,570
Michigan	2,238	2,601	10.5%	6.500%	$3,300
Indiana	2,235	2,577	10.8%	6.490%	$2,650
Washington	2,187	2,431	7.7%	6.490%	$1,170
Arizona	1,961	2,280	11.6%	6.500%	$4,100
North Carolina	1,927	2,136	6.9%	6.490%	$4,110
Georgia	1,741	2,027	11.5%	6.490%	$4,590
Pennsylvania	1,372	1,619	12.1%	6.500%	$5,090
Colorado	1,353	1,560	9.3%	6.490%	$3,100
Virginia	1,189	1,332	8.2%	6.500%	$4,650
Wisconsin	1,040	1,195	10.9%	6.490%	$3,000
Maryland	1,031	1,158	7.7%	6.500%	$5,120
Tennessee	1,009	1,151	9.2%	6.375%	$3,580
Massachusetts	943	1,092	11.0%	6.490%	$4,920
Connecticut	938	1,061	7.8%	6.375%	$6,280
Louisiana	875	1,040	11.7%	6.500%	$3,440
South Carolina	830	938	8.8%	6.500%	$4,050
Kentucky	756	861	8.9%	6.490%	$3,230
Nevada	614	731	12.7%	6.500%	$4,160
Missouri	598	714	11.2%	6.500%	$3,350
Oregon	507	610	12.6%	6.490%	$2,530
New Mexico	465	521	6.2%	6.500%	$4,650
Minnesota	463	550	12.4%	6.625%	$3,830
Oklahoma	450	531	11.1%	6.490%	$3,290
Alabama	363	428	10.9%	6.375%	$2,880
Utah	290	348	15.8%	6.375%	$3,780
Arkansas	254	308	11.3%	6.375%	$2,920
Kansas	254	279	5.8%	6.500%	$3,150
District of Columbia	245	282	9.0%	6.500%	$6,450
Delaware	243	275	9.9%	6.250%	$5,270
Idaho	214	244	7.5%	6.500%	$4,740
West Virginia	213	253	14.9%	6.500%	$3,400
Mississippi	204	245	12.7%	6.375%	$3,390
Iowa	170	199	13.3%	6.375%	$2,630
New Hampshire	129	156	13.1%	6.250%	$3,950
Nebraska	129	154	16.4%	6.375%	$2,850
Maine	94	116	17.1%	6.250%	$3,980
Rhode Island	94	114	17.1%	6.375%	$4,410
Montana	90	104	13.0%	6.500%	$4,310
Vermont	34	39	12.5%	6.500%	$4,990
Wyoming	33	43	20.0%	6.750%	$4,430
South Dakota	28	41	31.0%	—	—
Hawaii	25	43	48.3%	—	—
Alaska	22	23	—	—	—
North Dakota	20	23	—	—	—

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open JPMorgan Chase Bank, N.A.'s page for that state.

Counties where JPMorgan Chase Bank, N.A. is a top lender

County	Rank	Loans	Market share
Boyd County, NE	3	1	25.0%
New York County, NY	1	836	16.4%
Jim Hogg County, TX	3	2	14.3%
Queens County, NY	1	1,143	13.2%
Taliaferro County, GA	6	1	12.5%
Westchester County, NY	1	920	12.4%
Kings County, NY	1	781	11.3%
Osborne County, KS	4	2	11.1%
Echols County, GA	7	1	11.1%
Reagan County, TX	8	1	11.1%
Bronx County, NY	1	218	10.8%
Upton County, TX	5	2	10.5%
Sumter County, AL	4	4	10.0%
Quay County, NM	3	3	9.4%
San Francisco County, CA	1	467	9.2%

Check JPMorgan Chase Bank, N.A. yourself

FFIEC HMDA Data Browser — the official 2025 records filed under LEI 7H6GLXDRUGQFU57RNE97.
NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
CFPB Consumer Complaint Database — search complaints by company name.
Compare your Loan Estimate from JPMorgan Chase Bank, N.A. with similar 2025 loans.

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology