J
Jpmorgan Chase Bank National Association's 67.1k closed loans and 104k applications, benchmarked against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Exceptional
National · 49 mkts
Safe Rate Awards⭐Conventional Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
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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
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Report Card
JPMorgan Chase Bank, National Association performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +13.5 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 5% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Market Leader Top 5% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 10% of lenders | |
Refinance | Market Leader Top 10% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Market Leader Top 20% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 59,749 | 89.0% | +0.142%Above | $2,363Fees | ||||
FHA Loans | 1,243 | 1.9% | +0.591%Above | $2,111Fees | ||||
VA Loans | 823 | 1.2% | -0.104%Below | $446Credit | ||||
Jumbo Loans | 5,311 | 7.9% | -0.008%Below | $1,464Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 53,237 | 79.3% | +0.110%Above | $2,233Fees | ||||
Refinance | 13,889 | 20.7% | +0.214%Above | $2,437Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
67,126
Applications
103,560
Volume
$28 billion
Pricing & Closing
Avg Rate Spread
+0.135%
vs. market APOR
Avg Net Fees
$2,283
Origination − Credits
Pullthrough Rate
64.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$430,687
Avg Borrower Income
$188,799
Avg Property Value
$628,243
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 4,529Mix: 6.75%of portfolio
Place
Exceptional2
Chicago, ILMSA
Volume: 5,072Mix: 7.56%of portfolio
Place
Exceptional3
Lake County, IL, ILMSA
Volume: 423Mix: 0.63%of portfolio
Place
Exceptional4
San Francisco, CAMSA
Volume: 545Mix: 0.81%of portfolio
Place
Exceptional5
Elgin, IL, ILMSA
Volume: 467Mix: 0.70%of portfolio
Place
Exceptional6
Lake County, INMSA
Volume: 411Mix: 0.61%of portfolio
Place
Exceptional7
Nassau County, NYMSA
Volume: 1,367Mix: 2.04%of portfolio
Place
Exceptional8
Washington, DC, DC-MDMSA
Volume: 694Mix: 1.03%of portfolio
Place
Exceptional9
Bridgeport, CTMSA
Volume: 387Mix: 0.58%of portfolio
Place
Exceptional10
Houston, TXMSA
Volume: 2,453Mix: 3.65%of portfolio
Place
ExceptionalShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
ILState
Volume: 6,487Mix: 9.66%of portfolio
Place
Exceptional2
NYState
Volume: 6,052Mix: 9.02%of portfolio
Place
Exceptional3
TXState
Volume: 8,821Mix: 13.14%of portfolio
Place
Exceptional4
NJState
Volume: 2,089Mix: 3.11%of portfolio
Place
Exceptional5
CAState
Volume: 7,658Mix: 11.41%of portfolio
Place
Exceptional6
WAState
Volume: 1,657Mix: 2.47%of portfolio
Place
Exceptional7
DCState
Volume: 334Mix: 0.50%of portfolio
Place
Exceptional8
OHState
Volume: 2,884Mix: 4.30%of portfolio
Place
Exceptional9
FLState
Volume: 4,800Mix: 7.15%of portfolio
Place
Exceptional10
INState
Volume: 2,061Mix: 3.07%of portfolio
Place
ExceptionalShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.