Lenders › JPMorgan Chase Bank, NA › Kentucky
JPMorgan Chase Bank, NA in Kentucky
HMDA record for properties in Kentucky, calendar year 2024. National record · Kentucky 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 Kentucky, JPMorgan Chase Bank, NA reported 1,233 applications and 854 originations for 2024, $227m in all.
Its denial rate in the state was 10.4%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 12.8%.
The median rate spread on its Kentucky originations was 0.2 percentage points (state median 0.4).
Applications in the state were up 26% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | JPMorgan Chase Bank, NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.4% | 25.0% | 12.8% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.9% | 16.0% | 2.0% | 15.6% |
| Average originated loan | $266k | $219k | $627k | $329k |
| Home purchase share | 75.1% | 55.3% | 73.8% | 57.0% |
| FHA-insured share | 4.2% | 14.6% | 1.7% | 13.4% |
| VA-guaranteed share | 1.8% | 8.0% | 1.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 75% (641)Home improvement 1% (11)Refinancing 6% (51)Cash-out refinancing 15% (128)Other purpose 3% (23)
By type
Conventional 94% (803)FHA 4% (36)VA 2% (15)
Denial reasons as coded
Share of 101 denials in Kentucky by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jefferson County | 393 | 276 | $76m | 7.2% |
| Fayette County | 206 | 151 | $40m | 9.6% |
| Kenton County | 53 | 35 | $8.3m | 11.9% |
| Boone County | 44 | 34 | $9.0m | 8.1% |
| Campbell County | 41 | 31 | $9.2m | 13.9% |
| Hardin County | 34 | 25 | $5.7m | 13.8% |
| Madison County | 33 | 23 | $5.3m | 0.0% |
| Warren County | 35 | 21 | $6.1m | 25.0% |
| Oldham County | 34 | 21 | $12m | 8.0% |
| Jessamine County | 33 | 21 | $5.5m | 8.0% |
| Bullitt County | 27 | 20 | $4.5m | — |
| Scott County | 28 | 19 | $5.0m | — |
| Daviess County | 28 | 18 | $3.3m | — |
| Shelby County | 25 | 16 | $4.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did JPMorgan Chase Bank, NA originate in Kentucky in 2024?
854 loans totalling $227m, from 1,233 applications reported for properties in Kentucky.
What is JPMorgan Chase Bank, NA's denial rate in Kentucky?
10.4% of decided applications in Kentucky were denied, against 25.0% 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 Kentucky counties does JPMorgan Chase Bank, NA lend in most?
By originations: Jefferson County (276), Fayette County (151), Kenton County (35), Boone County (34), Campbell County (31).
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 Kentucky. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.