Lenders › JPMorgan Chase Bank, NA › California
JPMorgan Chase Bank, NA in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In California, JPMorgan Chase Bank, NA reported 16,675 applications and 10,826 originations for 2024, $12bn in all.
Its denial rate in the state was 11.3%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 12.8%.
The median rate spread on its California originations was 0.0 percentage points (state median 0.4).
Applications in the state were up 32% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | JPMorgan Chase Bank, NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 11.3% | 24.8% | 12.8% | 24.3% |
| Median rate spread, pp | 0.0 | 0.4 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.1% | 19.9% | 2.0% | 15.6% |
| Average originated loan | $1.1m | $566k | $627k | $329k |
| Home purchase share | 64.2% | 51.2% | 73.8% | 57.0% |
| FHA-insured share | 0.7% | 11.4% | 1.7% | 13.4% |
| VA-guaranteed share | 0.5% | 4.8% | 1.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 64% (6,948)Home improvement 2% (263)Refinancing 15% (1,601)Cash-out refinancing 15% (1,607)Other purpose 4% (407)
By type
Conventional 99% (10,698)FHA 1% (78)VA 0% (50)
Denial reasons as coded
Share of 1,420 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 4,767 | 3,211 | $4.5bn | 11.1% |
| San Diego County | 1,555 | 975 | $1.0bn | 13.1% |
| Orange County | 1,224 | 753 | $1.3bn | 12.4% |
| Santa Clara County | 1,090 | 709 | $929m | 9.3% |
| Riverside County | 961 | 619 | $460m | 11.2% |
| Alameda County | 877 | 533 | $609m | 10.0% |
| San Bernardino County | 768 | 477 | $220m | 13.8% |
| San Francisco County | 644 | 435 | $523m | 9.5% |
| San Mateo County | 502 | 353 | $643m | 7.5% |
| Contra Costa County | 573 | 343 | $301m | 11.7% |
| Sacramento County | 406 | 246 | $195m | 10.2% |
| Fresno County | 346 | 225 | $70m | 10.9% |
| Kern County | 282 | 175 | $48m | 13.6% |
| Tulare County | 207 | 167 | $58m | 4.4% |
| Ventura County | 247 | 157 | $313m | 11.5% |
| Stanislaus County | 189 | 137 | $44m | 10.9% |
| San Joaquin County | 222 | 135 | $59m | 13.8% |
| Monterey County | 160 | 109 | $103m | 11.8% |
| Santa Barbara County | 144 | 98 | $176m | 13.0% |
| Placer County | 150 | 93 | $91m | 11.2% |
| Marin County | 145 | 92 | $160m | 12.5% |
| Sonoma County | 144 | 88 | $70m | 15.0% |
| Solano County | 113 | 80 | $39m | 5.9% |
| Merced County | 112 | 78 | $29m | 7.9% |
| Madera County | 91 | 74 | $24m | 5.1% |
| San Luis Obispo County | 84 | 58 | $98m | 6.3% |
| Imperial County | 76 | 55 | $17m | 9.8% |
| El Dorado County | 87 | 51 | $38m | 23.9% |
| Napa County | 62 | 43 | $94m | 10.0% |
| Santa Cruz County | 74 | 41 | $32m | 22.2% |
| Yolo County | 60 | 36 | $43m | 15.9% |
| Kings County | 31 | 26 | $6.5m | 3.7% |
| San Benito County | 32 | 16 | $7.9m | — |
| Butte County | 28 | 16 | $15m | — |
| Shasta County | 31 | 14 | $4.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did JPMorgan Chase Bank, NA originate in California in 2024?
10,826 loans totalling $12bn, from 16,675 applications reported for properties in California.
What is JPMorgan Chase Bank, NA's denial rate in California?
11.3% of decided applications in California were denied, against 24.8% for all lenders in the state and 12.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does JPMorgan Chase Bank, NA lend in most?
By originations: Los Angeles County (3,211), San Diego County (975), Orange County (753), Santa Clara County (709), Riverside County (619).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.