Applications / Mortgage Analytics / Lenders / Ohio / JPMorgan Chase Bank
Columbus, OH · National bank · OCC · $3.8 trillion assets · 94,243 loans in 2025
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94,243
loans originated, 2025
152,415
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
JPMorgan Chase Bank made 94,243 loans in 2025, up 17% while the whole market grew 10%, yet still well under half the 274,448 it made in 2021.
Originations rose 17% in 2025, against 10% for the whole market, after falling from 274,448 in 2021 to 64,086 in 2023. With refinancing now 28.4% of its loans, the earlier peak may have rested on refinancing that has since faded. Its growth was faster than about two-thirds of similar lenders (national banks making between an eighth and eight times as many loans), whose typical growth was 10%.
It bought 212,751 loans in 2025, against 20,456 in 2024, more than twice the loans it made itself. A bulk portfolio purchase could explain a jump of this size.
It ranks first in New York, Los Angeles and Chicago and second in San Francisco and Miami, all served since before 1990. Wells Fargo Bank is second in New York.
Loans in LMI (low- and moderate-income) areas were 19.4% of its lending, up from 10.7% five years earlier, and in majority-minority areas 36.7%, up from 20.0%. Both fell from 2024 (23.8% and 45.8%), which could reflect a change in which markets it lent in during the year. Both remain higher than about nine in ten similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between an eighth and eight times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. JPMorgan Chase Bank took 152,415 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.2% · Refinance 28.4% · Other 7.3% · Home improvement 4.1% · Not applicable 0.0%
Conventional 97.1% · FHA 1.8% · VA 1.1% · of 94,243 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 14,032 | 14.9% |
| Texas | 9,775 | 10.4% |
| New York | 9,163 | 9.7% |
| Illinois | 8,778 | 9.3% |
| Florida | 6,131 | 6.5% |
| Ohio | 4,171 | 4.4% |
| New Jersey | 3,325 | 3.5% |
| Michigan | 2,995 | 3.2% |
| Arizona | 2,864 | 3.0% |
| Indiana | 2,857 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 6,908 |
| New York-Jersey City-White Plains | 6,670 |
| Los Angeles-Long Beach-Glendale | 4,067 |
| Houston-Pasadena-The Woodlands | 2,984 |
| Dallas-Plano-Irving | 2,375 |
| Nassau County-Suffolk County | 2,173 |
| Phoenix-Mesa-Chandler | 2,084 |
| Seattle-Bellevue-Kent | 1,507 |
| Oakland-Fremont-Berkeley | 1,393 |
| Columbus | 1,324 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 7H6GLXDRUGQFU57RNE97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 852218 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2852218 | 1990–2003 |
| Respondent ID (the HMDA filer code before 2018) | 9852218 | 2011–2017 |
Established 1 January 1824. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: JPMorgan Chase Bank's data.
JPMorgan Chase Bank's data
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