Lenders › JPMorgan Chase Bank, NA › New Jersey
JPMorgan Chase Bank, NA in New Jersey
HMDA record for properties in New Jersey, calendar year 2024. National record · New Jersey 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 New Jersey, JPMorgan Chase Bank, NA reported 4,185 applications and 2,520 originations for 2024, $1.5bn in all.
Its denial rate in the state was 12.7%, below the New Jersey rate of 26.0% across all lenders and compared with the lender's national rate of 12.8%.
The median rate spread on its New Jersey originations was 0.0 percentage points (state median 0.4).
Applications in the state were up 25% on 2023.
Compared with the state and the lender's national record
| Measure | In New Jersey | New Jersey, all lenders | JPMorgan Chase Bank, NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.7% | 26.0% | 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 | 1.4% | 17.7% | 2.0% | 15.6% |
| Average originated loan | $591k | $387k | $627k | $329k |
| Home purchase share | 75.1% | 51.0% | 73.8% | 57.0% |
| FHA-insured share | 0.7% | 11.2% | 1.7% | 13.4% |
| VA-guaranteed share | 0.6% | 2.9% | 1.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew Jersey, all lenders
Loan purpose and loan type in New Jersey
By purpose
Home purchase 75% (1,892)Home improvement 2% (47)Refinancing 8% (213)Cash-out refinancing 11% (272)Other purpose 4% (96)
By type
Conventional 99% (2,489)FHA 1% (17)VA 1% (14)
Denial reasons as coded
Share of 375 denials in New Jersey by first denial reason coded (outlined bar: all lenders in the state).
Counties in New Jersey
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Bergen County | 602 | 355 | $208m | 12.1% |
| Hudson County | 491 | 286 | $309m | 15.1% |
| Essex County | 397 | 233 | $160m | 14.9% |
| Middlesex County | 370 | 214 | $87m | 11.6% |
| Monmouth County | 356 | 214 | $134m | 11.3% |
| Morris County | 295 | 191 | $115m | 6.5% |
| Union County | 266 | 172 | $100m | 13.9% |
| Ocean County | 247 | 148 | $72m | 12.4% |
| Mercer County | 200 | 126 | $59m | 7.9% |
| Somerset County | 182 | 112 | $60m | 13.1% |
| Passaic County | 168 | 108 | $47m | 12.0% |
| Burlington County | 136 | 85 | $32m | 13.7% |
| Camden County | 110 | 66 | $19m | 12.0% |
| Sussex County | 89 | 54 | $17m | 14.9% |
| Hunterdon County | 65 | 40 | $17m | 8.7% |
| Atlantic County | 68 | 38 | $13m | 13.0% |
| Gloucester County | 53 | 28 | $9.0m | 25.0% |
| Cape May County | 32 | 21 | $24m | 16.0% |
| Warren County | 30 | 18 | $5.1m | 25.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did JPMorgan Chase Bank, NA originate in New Jersey in 2024?
2,520 loans totalling $1.5bn, from 4,185 applications reported for properties in New Jersey.
What is JPMorgan Chase Bank, NA's denial rate in New Jersey?
12.7% of decided applications in New Jersey were denied, against 26.0% 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 New Jersey counties does JPMorgan Chase Bank, NA lend in most?
By originations: Bergen County (355), Hudson County (286), Essex County (233), Middlesex County (214), Monmouth County (214).
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 New Jersey. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.