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Lenders › JPMorgan Chase Bank, NA › Texas

JPMorgan Chase Bank, NA in Texas

HMDA record for properties in Texas, calendar year 2024. National record · Texas overview

LEI 7H6GLXDRUGQFU57RNE97
Reporting agency Consumer Financial Protection Bureau
State Texas

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 Texas, JPMorgan Chase Bank, NA reported 16,430 applications and 10,296 originations for 2024, $4.4bn in all.

Its denial rate in the state was 12.5%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 12.8%.

The median rate spread on its Texas originations was 0.0 percentage points (state median 0.2).

Applications in the state were up 51% on 2023.

16,430applications in TX, 202413.0% of the lender's total
10,296loans originated$4.4bn
12.5%denial rateTX all lenders 26.0%
0.0 ppmedian rate spreadTX 0.2 pp

Compared with the state and the lender's national record

MeasureIn TexasTexas, all lendersJPMorgan Chase Bank, NA, all statesUnited States
Denial rate12.5%26.0%12.8%24.3%
Median rate spread, pp0.00.20.10.3
Originations with spread of 1.5 pp or more1.6%11.8%2.0%15.6%
Average originated loan$424k$350k$627k$329k
Home purchase share77.1%72.8%73.8%57.0%
FHA-insured share1.8%19.8%1.7%13.4%
VA-guaranteed share1.0%10.4%1.1%7.9%

Trend by year

ApplicationsOriginations

08303.516,6072022: 16,607 Applications2023: 10,898 Applications2024: 16,430 Applications2022: 10,351 Originations2023: 6,736 Originations2024: 10,296 Originations202220232024
JPMorgan Chase Bank, NA in Texas: applications and originations, 2022–2024

This lender in stateTexas, all lenders

0%13.9%27.9%2022: 13.4% This lender in state2023: 13.6% This lender in state2024: 12.5% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Texas

By purpose

Home purchase 77% (7,939)Home improvement 3% (259)Refinancing 6% (618)Cash-out refinancing 10% (1,062)Other purpose 4% (418)

By type

Conventional 97% (10,009)FHA 2% (184)VA 1% (103)

Denial reasons as coded

Debt-to-income ratio29.5%
Other27%
Collateral21.5%
Unverifiable information9.5%
Credit history6.9%
Employment history2.7%
Insufficient cash (downpayment, closing costs)2.7%
Mortgage insurance denied0.2%
Credit application incomplete0%

Share of 1,513 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).

Counties in Texas

CountyApplicationsOriginationsAmountDenial rate
Harris County3,2331,924$775m15.8%
Dallas County2,0081,259$700m13.4%
Tarrant County1,244842$343m11.2%
Bexar County1,166775$233m10.9%
Travis County954605$426m10.6%
Collin County1,004562$345m9.9%
El Paso County655476$119m7.9%
Denton County729454$208m9.7%
Fort Bend County732424$152m14.6%
Hidalgo County461336$85m8.9%
Montgomery County454283$110m11.9%
Williamson County317170$63m10.0%
Cameron County216153$34m8.7%
Brazoria County202113$33m14.7%
Hays County156109$42m8.9%
Nueces County146108$31m5.2%
Galveston County14983$26m11.2%
Webb County11583$21m5.6%
Brazos County11383$172m6.7%
Midland County11378$26m10.2%
Kaufman County9764$16m12.0%
Ellis County10758$22m21.3%
Parker County8255$23m12.5%
McLennan County8953$13m16.7%
Grayson County7649$13m13.8%
Bell County8747$11m21.7%
Smith County8147$12m17.5%
Lubbock County7047$9.7m11.1%
Rockwall County7645$24m14.5%
Johnson County6039$12m11.4%
Jefferson County6737$7.2m26.9%
Comal County7233$18m25.0%
Ector County5330$7.8m17.9%
Victoria County3830$5.5m6.3%
Waller County5528$11m11.8%
Guadalupe County4528$8.3m14.3%
Wichita County3723$4.2m17.2%
Hunt County4521$5.4m16.0%
Henderson County3318$13m28.0%
Liberty County2816$3.2m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did JPMorgan Chase Bank, NA originate in Texas in 2024?

10,296 loans totalling $4.4bn, from 16,430 applications reported for properties in Texas.

What is JPMorgan Chase Bank, NA's denial rate in Texas?

12.5% of decided applications in Texas 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 Texas counties does JPMorgan Chase Bank, NA lend in most?

By originations: Harris County (1,924), Dallas County (1,259), Tarrant County (842), Bexar County (775), Travis County (605).

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 Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.