JPMorgan Chase Bank in Alabama vs the state
11.2%Denial rate-8.61 pts vs state
15.5%Decision denial rate-9.55 pts vs state
60.1%Origination rate+4.69 pts vs state
6.49%Median rate-0.01 pts vs state
0.06Rate spread (pts)-0.22 pts vs state
$103kMedian applicant income
465Loans originated
87Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 431 | 261 | 10.2% | 6.88% | #80 |
| 2024 | 623 | 410 | 8.5% | 6.50% | #65 |
| 2025 | 774 | 465 | 11.2% | 6.49% | #60 |
What JPMorgan Chase Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most JPMorgan Chase Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 169 | 105 | 22 | 13.0% |
| Madison County | 104 | 61 | 10 | 9.6% |
| Shelby County | 54 | 30 | 5 | 9.3% |
| Mobile County | 52 | 36 | 4 | 7.7% |
| Baldwin County | 48 | 24 | 12 | 25.0% |
| Tuscaloosa County | 45 | 29 | 4 | 8.9% |
| Montgomery County | 37 | 20 | 1 | 2.7% |
| Lee County | 30 | 21 | 2 | 6.7% |
| Limestone County | 20 | 9 | 2 | 10.0% |
| Morgan County | 19 | 16 | 1 | 5.3% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 774 applications in 2025, of which 465 were originated and 87 denied.
11.2% of all applications, or 15.5% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans JPMorgan Chase Bank originated in Alabama in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are JPMorgan Chase Bank's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology