Lenders › JPMorgan Chase Bank, NA › Florida
JPMorgan Chase Bank, NA in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida 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 Florida, JPMorgan Chase Bank, NA reported 10,117 applications and 5,747 originations for 2024, $4.8bn in all.
Its denial rate in the state was 18.6%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 12.8%.
The median rate spread on its Florida originations was 0.1 percentage points (state median 0.3).
Applications in the state were up 10% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | JPMorgan Chase Bank, NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 18.6% | 29.0% | 12.8% | 24.3% |
| Median rate spread, pp | 0.1 | 0.3 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.9% | 16.4% | 2.0% | 15.6% |
| Average originated loan | $830k | $359k | $627k | $329k |
| Home purchase share | 77.3% | 62.9% | 73.8% | 57.0% |
| FHA-insured share | 2.7% | 17.7% | 1.7% | 13.4% |
| VA-guaranteed share | 1.2% | 9.5% | 1.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 77% (4,444)Home improvement 2% (108)Refinancing 5% (280)Cash-out refinancing 11% (622)Other purpose 5% (293)
By type
Conventional 96% (5,519)FHA 3% (158)VA 1% (70)
Denial reasons as coded
Share of 1,351 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 1,776 | 911 | $1.3bn | 26.6% |
| Broward County | 1,416 | 739 | $778m | 22.3% |
| Palm Beach County | 1,059 | 621 | $904m | 19.8% |
| Orange County | 721 | 469 | $392m | 11.7% |
| Hillsborough County | 695 | 429 | $252m | 12.9% |
| Pinellas County | 424 | 258 | $122m | 12.3% |
| Lee County | 364 | 204 | $86m | 21.5% |
| Collier County | 254 | 160 | $176m | 13.5% |
| Osceola County | 251 | 143 | $45m | 16.5% |
| Polk County | 214 | 137 | $35m | 15.8% |
| St. Lucie County | 201 | 128 | $37m | 13.8% |
| Seminole County | 187 | 121 | $82m | 10.4% |
| Duval County | 213 | 120 | $41m | 19.9% |
| Volusia County | 186 | 119 | $34m | 15.3% |
| Manatee County | 199 | 117 | $53m | 13.6% |
| Pasco County | 206 | 112 | $34m | 12.2% |
| Brevard County | 218 | 111 | $38m | 15.4% |
| Sarasota County | 210 | 105 | $57m | 18.5% |
| Marion County | 164 | 99 | $22m | 16.5% |
| Lake County | 137 | 88 | $34m | 8.8% |
| St. Johns County | 124 | 67 | $35m | 18.8% |
| Sumter County | 71 | 51 | $14m | 1.9% |
| Martin County | 81 | 50 | $46m | 20.0% |
| Charlotte County | 96 | 44 | $11m | 22.0% |
| Indian River County | 75 | 33 | $22m | 17.1% |
| Hernando County | 56 | 32 | $9.3m | 22.0% |
| Alachua County | 68 | 31 | $9.5m | 20.0% |
| Walton County | 47 | 29 | $48m | 19.4% |
| Flagler County | 54 | 28 | $9.9m | 20.0% |
| Escambia County | 31 | 23 | $8.1m | — |
| Leon County | 48 | 21 | $5.0m | 15.4% |
| Citrus County | 29 | 20 | $4.5m | — |
| Clay County | 32 | 16 | $4.9m | — |
| Monroe County | 30 | 14 | $25m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did JPMorgan Chase Bank, NA originate in Florida in 2024?
5,747 loans totalling $4.8bn, from 10,117 applications reported for properties in Florida.
What is JPMorgan Chase Bank, NA's denial rate in Florida?
18.6% of decided applications in Florida were denied, against 29.0% 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 Florida counties does JPMorgan Chase Bank, NA lend in most?
By originations: Miami-Dade County (911), Broward County (739), Palm Beach County (621), Orange County (469), Hillsborough County (429).
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 Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.