United Shore Financial Services. It denied 13.9% of the applications it decided on in 2025, against 14.1% at JPMorgan Chase Bank. Product mix explains part of any gap: HELOC and FHA-heavy lenders naturally deny more. JPMorgan Chase Bank, with a median rate of 6.38% on loans it originated in 2025 versus 6.38% at United Shore Financial Services. Medians reflect the loans each lender actually made, so a lender writing more VA or 15-year loans will look cheaper.
| Metric | JPMorgan Chase Bank | United Shore Financial Services | All lenders |
|---|---|---|---|
| Grade | B | B | |
| Grade score (0–100) | 65.3 | 67.5 | |
| Applications 2025 | 152,415 | 576,710 | 11,766,671 |
| Origination rate | 61.8% | 73.2% | 58.0% |
| Denial rate (all applications) | 10.4% | 12.1% | 18.0% |
| Decision denial rate | 14.1% | 13.9% | 22.6% |
| Withdrawn + incomplete | 26.1% | 13.0% | 2,405,729 |
| Median interest rate | 6.38% | 6.38% | 6.63% |
| Median rate spread (pts) | 0.03 | 0.12 | 0.25 |
| Median total loan costs | $4,769 | $8,191 | |
| Median loan amount | $315,000 | $335,000 | $225,000 |
| Loan volume | $66B | $164B | |
| States active | 51 | 51 | |
| FHA share | 3% | 23% | 14% |
| VA share | 1% | 17% | 8% |
| Refinance share | 29% | 48% | 32% |
Green marks the better figure where "better" is unambiguous. Shares and sizes are context, not scores. Source: CFPB HMDA 2025.
United Shore Financial Services. It denied 13.9% of the applications it decided on in 2025, against 14.1% at JPMorgan Chase Bank. Product mix explains part of any gap: HELOC and FHA-heavy lenders naturally deny more.
JPMorgan Chase Bank, with a median rate of 6.38% on loans it originated in 2025 versus 6.38% at United Shore Financial Services. Medians reflect the loans each lender actually made, so a lender writing more VA or 15-year loans will look cheaper.
