# JPMorgan Chase Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/jpmorgan-chase-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


JPMorgan Chase Bank, National Association is a bank, headquartered in Columbus, OH, serving borrowers nationwide, with 67,126 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 51% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 7H6GLXDRUGQFU57RNE97
- **Headquarters:** Columbus, OH
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 77.3%
- **Brokered/Wholesale:** 22.7%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.135%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,283
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 67,126
- **Dollar Volume:** $28.9 billion
- **Applications Received:** 103,560
- **Market Share:** 188.00%

## Typical Borrower Profile

- **Average Loan Amount:** $430,687
- **Average Borrower Income:** $188,799
- **Average Property Value:** $628,243

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 95/100 | 59,749 | +0.142% | $2,363 | Exceptional 🤩 |
| FHA | 79/100 | 1,243 | +0.591% | $2,111 | Strong 😀 |
| VA | 82/100 | 823 | -0.104% | $-446 | Exceptional 🤩 |
| Jumbo | 99/100 | 5,311 | -0.008% | $1,464 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 46,854 loans, Score: 96/100 (Exceptional)
- Refinance: 12,895 loans, Score: 93/100 (Exceptional)

**FHA:**
- Purchase: 899 loans, Score: 78/100 (Strong)
- Refinance: 344 loans, Score: 83/100 (Exceptional)

**VA:**
- Purchase: 823 loans, Score: 83/100 (Exceptional)

**Jumbo:**
- Purchase: 4,661 loans, Score: 99/100 (Exceptional)
- Refinance: 650 loans, Score: 95/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 94/100 | 53,237 | $24.2B | +0.110% | Exceptional 🤩 |
| Refinance | 92/100 | 13,889 | $4.7B | +0.214% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 8,821 | 2.52% | 93/100 |
| CA | 7,658 | 2.68% | 89/100 |
| IL | 6,487 | 5.20% | 98/100 |
| NY | 6,052 | 5.34% | 96/100 |
| FL | 4,800 | 1.64% | 85/100 |
| OH | 2,884 | 2.14% | 86/100 |
| NJ | 2,089 | 2.44% | 90/100 |
| NC | 2,074 | 1.40% | 80/100 |
| IN | 2,061 | 2.26% | 85/100 |
| MI | 2,049 | 1.81% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 5,072 | 98/100 |
| New York | NY-NJ | 4,529 | 100/100 |
| Non |  | 3,486 | 82/100 |
| Houston | TX | 2,453 | 90/100 |
| Dallas | TX | 1,968 | 89/100 |
| Los Angeles | CA | 1,827 | 89/100 |
| Nassau County | NY | 1,367 | 91/100 |
| Phoenix | AZ | 1,275 | 81/100 |
| Atlanta | GA | 1,244 | 85/100 |
| Riverside | CA | 910 | 80/100 |
| Seattle | WA | 882 | 88/100 |
| Charlotte | NC-SC | 825 | 84/100 |
| Columbus, OH | OH | 823 | 87/100 |
| San Antonio | TX | 816 | 81/100 |
| Warren | MI | 805 | 80/100 |

## Where This Lender Ranks

JPMorgan Chase Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in New York for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-york/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Connecticut for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/connecticut/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Orlando for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Lakewood for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in El Paso, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in McAllen Banks
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/banks)
- 🥇 **#1** in McAllen for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Tucson, AZ for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Kiryas Joel for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Visalia, CA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Port St. Lucie, FL Banks
  - [View Full Rankings](https://saferate.com/port-st-lucie-fl/best-mortgage-lenders/banks)
- 🥇 **#1** in Port St. Lucie, FL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/port-st-lucie-fl/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Bakersfield Banks
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/banks)
- 🥇 **#1** in Bakersfield for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Brownsville Banks
  - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders/banks)
- 🥇 **#1** in Brownsville for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Corpus Christi, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Laredo, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/laredo-tx/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Midland, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/midland-tx/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Elkhart Banks
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does JPMorgan Chase Bank, National Association offer?

JPMorgan Chase Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does JPMorgan Chase Bank, National Association offer mortgages?

JPMorgan Chase Bank, National Association is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are JPMorgan Chase Bank, National Association's mortgage rates?

JPMorgan Chase Bank, National Association has a pricing score of 49/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.135% above market average.

### What type of lender is JPMorgan Chase Bank, National Association?

JPMorgan Chase Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Columbus, OH.

### What is JPMorgan Chase Bank, National Association's loan approval success rate?

JPMorgan Chase Bank, National Association has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/jpmorgan-chase-bank-national-association

### How to Cite

> "JPMorgan Chase Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/jpmorgan-chase-bank-national-association

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