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JPMorgan Chase Bank, National Association
Bank|Columbus, OH|National
Loans Originated
67,126
Applications
103,560
Volume
$28 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.135%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,283
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
64.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Report Card
JPMorgan Chase Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Exceptional | National · 50 metro areas · 51 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$430,687
Average Borrower Income
$188,799
Average Property Value
$628,243
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Sound | Strong | 59,749 | 89.0% | +0.142% | $2,363 |
FHA Loans | Sound | Strong | Sound | Sound | 1,243 | 1.9% | +0.591% | $2,111 |
VA Loans | Strong | Exceptional | Strong | Sound | 823 | 1.2% | -0.104% | -$446 |
Jumbo Loans | Strong | Exceptional | Sound | Strong | 5,311 | 7.9% | -0.008% | $1,464 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 53,237 | 79.3% | +0.110% | $2,233 |
Refinance | Strong | Exceptional | Sound | Strong | 13,889 | 20.7% | +0.214% | $2,437 |
Geographic Coverage
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 4,529Mix: 6.75%
Place Specialization
Exceptional
2
Chicago, ILMSA
Volume: 5,072Mix: 7.56%
Place Specialization
Exceptional
3
Lake County, IL, ILMSA
Volume: 423Mix: 0.63%
Place Specialization
Exceptional
4
San Francisco, CAMSA
Volume: 545Mix: 0.81%
Place Specialization
Exceptional
5
Elgin, IL, ILMSA
Volume: 467Mix: 0.70%
Place Specialization
Exceptional
6
Lake County, INMSA
Volume: 411Mix: 0.61%
Place Specialization
Exceptional
7
Nassau County, NYMSA
Volume: 1,367Mix: 2.04%
Place Specialization
Exceptional
8
Washington, DC, DC-MDMSA
Volume: 694Mix: 1.03%
Place Specialization
Exceptional
9
Bridgeport, CTMSA
Volume: 387Mix: 0.58%
Place Specialization
Exceptional
10
Houston, TXMSA
Volume: 2,453Mix: 3.65%
Place Specialization
Exceptional
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
ILState
Volume: 6,487Mix: 9.66%
Place Specialization
Exceptional
2
NYState
Volume: 6,052Mix: 9.02%
Place Specialization
Exceptional
3
TXState
Volume: 8,821Mix: 13.14%
Place Specialization
Exceptional
4
NJState
Volume: 2,089Mix: 3.11%
Place Specialization
Exceptional
5
CAState
Volume: 7,658Mix: 11.41%
Place Specialization
Exceptional
6
WAState
Volume: 1,657Mix: 2.47%
Place Specialization
Exceptional
7
DCState
Volume: 334Mix: 0.50%
Place Specialization
Exceptional
8
OHState
Volume: 2,884Mix: 4.30%
Place Specialization
Exceptional
9
FLState
Volume: 4,800Mix: 7.15%
Place Specialization
Exceptional
10
INState
Volume: 2,061Mix: 3.07%
Place Specialization
Exceptional
Showing 10 of 51 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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