JPMorgan Chase Bank, NA Mortgage Lending & HMDA Data, 2024
In 2024, JPMorgan Chase Bank, NA of Columbus, OH reported 150,113 mortgage applications totaling $81.0 billion, down 39% from 2023. The average application was for $539,782, and applicants reported an average income of $200,853. 54% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Chicago-Naperville, IL (9,683), New York-Jersey City-White Plains, NY-NJ (9,543) and Houston-The Woodlands-Sugar Land, TX (5,331) (applications in parentheses).
| Mortgage Company & Address | JPMorgan Chase Bank, NA 1111 Polaris Parkway Columbus, OH 43240 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 150,113 |
| Total Mortgage Loan Application Amount | $81,028,300,000 |
| Average Mortgage Loan Application Amount | $539,782 |
| Highest Mortgage Loan Application Amount | $96,025,000 |
| Average Applicant Income | $200,853 |
| Highest Applicant Income | $9,907,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records JPMorgan Chase Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for JPMorgan Chase Bank, NA in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 109,996 | $57,693,785,000 | $524,000 | $90,075,000 | $210,000 | $9,907,000 |
| Cash-out Refinancing | 18,104 | $9,307,535,000 | $514,000 | $75,005,000 | $138,000 | $9,741,000 |
| Refinancing | 11,612 | $9,351,405,000 | $805,000 | $96,025,000 | $205,000 | $9,856,000 |
| Other Purpose | 5,853 | $3,938,245,000 | $672,000 | $52,005,000 | $252,000 | $9,326,000 |
| Home Improvement | 3,227 | $713,925,000 | $221,000 | $40,005,000 | $134,000 | $7,500,000 |
| Not Applicable | 1,321 | $23,405,000 | $17,000 | $395,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 76,772 | $37,434,220,000 | $487,000 | $45,005,000 | $221,000 | $9,907,000 |
| Hispanic | 24,153 | $7,988,075,000 | $330,000 | $10,005,000 | $131,000 | $8,073,000 |
| Asian | 21,202 | $12,847,820,000 | $605,000 | $24,995,000 | $238,000 | $9,856,000 |
| Black or African American | 12,352 | $3,843,780,000 | $311,000 | $12,005,000 | $130,000 | $6,853,000 |
| Not Provided | 10,132 | $5,795,410,000 | $571,000 | $52,005,000 | $236,000 | $9,345,000 |
| Not applicable | 4,719 | $12,836,740,000 | $2,733,000 | $96,025,000 | $0 | $0 |
| American Indian or Alaskan Native | 600 | $198,960,000 | $331,000 | $2,005,000 | $154,000 | $2,793,000 |
| Native Hawaiian or Other Pacific Islander | 183 | $83,295,000 | $455,000 | $3,005,000 | $228,000 | $8,000,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 141,822 | $78,538,695,000 | $553,000 | $96,025,000 | $207,000 | $9,907,000 |
| FHA-insured (Federal Housing Administration) | 6,274 | $1,801,330,000 | $287,000 | $1,405,000 | $97,000 | $696,000 |
| VA-guaranteed (Veterans Administration) | 1,964 | $685,500,000 | $349,000 | $4,005,000 | $124,000 | $1,883,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $2,775,000 | $52,000 | $95,000 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 80,744 | $47,204,685,000 | $584,000 | $90,075,000 | $206,000 | $9,741,000 |
| Application Withdrawn By Applicant | 21,588 | $11,106,085,000 | $514,000 | $96,025,000 | $214,000 | $8,540,000 |
| Loan Purchased By The Institution | 20,456 | $8,377,110,000 | $409,000 | $50,675,000 | $185,000 | $4,322,000 |
| Application Denied By Financial Institution | 12,095 | $5,337,260,000 | $441,000 | $65,005,000 | $145,000 | $7,500,000 |
| File Closed For Incompleteness | 10,131 | $5,282,585,000 | $521,000 | $60,455,000 | $220,000 | $9,856,000 |
| Preapproval Denied by Financial Institution | 2,398 | $1,160,340,000 | $483,000 | $7,005,000 | $112,000 | $2,366,000 |
| Application Approved But Not Accepted | 1,932 | $1,314,230,000 | $680,000 | $24,995,000 | $260,000 | $7,528,000 |
| Preapproval Approved but not Accepted | 769 | $1,246,005,000 | $1,620,000 | $45,005,000 | $547,000 | $9,907,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 135,620 | $74,530,700,000 | $549,000 | $96,025,000 | $208,000 | $9,907,000 |
| Debt-To-Income Ratio | 4,491 | $2,352,265,000 | $523,000 | $16,245,000 | $108,000 | $2,963,000 |
| Collateral | 3,698 | $1,237,115,000 | $334,000 | $18,005,000 | $158,000 | $5,611,000 |
| Other | 2,687 | $1,374,915,000 | $512,000 | $65,005,000 | $174,000 | $4,591,000 |
| Credit History | 1,314 | $562,580,000 | $428,000 | $14,055,000 | $146,000 | $7,500,000 |
| Unverifiable Information | 1,131 | $503,645,000 | $445,000 | $12,505,000 | $141,000 | $2,220,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 584 | $240,100,000 | $411,000 | $8,625,000 | $162,000 | $4,800,000 |
| Employment History | 574 | $221,930,000 | $386,000 | $3,005,000 | $63,000 | $6,853,000 |
| Mortgage Insurance Denied | 14 | $5,050,000 | $360,000 | $675,000 | $83,000 | $295,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into JPMorgan Chase Bank, NA's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess JPMorgan Chase Bank, NA's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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