JPMorgan Chase Bank in California vs the state
9.7%Denial rate-7.68 pts vs state
13.0%Decision denial rate-9.45 pts vs state
63.6%Origination rate+7.44 pts vs state
6.13%Median rate-0.50 pts vs state
-0.02Rate spread (pts)-0.29 pts vs state
$214kMedian applicant income
14,032Loans originated
2,147Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12,611 | 8,372 | 8.6% | 6.49% | #10 |
| 2024 | 16,675 | 10,826 | 8.5% | 6.49% | #8 |
| 2025 | 22,048 | 14,032 | 9.7% | 6.13% | #5 |
What JPMorgan Chase Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most JPMorgan Chase Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 6,155 | 4,067 | 575 | 9.3% |
| San Diego County | 1,959 | 1,220 | 175 | 8.9% |
| Orange County | 1,805 | 1,113 | 176 | 9.8% |
| Santa Clara County | 1,685 | 1,069 | 149 | 8.8% |
| Alameda County | 1,399 | 910 | 105 | 7.5% |
| Riverside County | 1,127 | 681 | 138 | 12.2% |
| San Francisco County | 997 | 687 | 78 | 7.8% |
| San Bernardino County | 868 | 510 | 126 | 14.5% |
| San Mateo County | 852 | 583 | 66 | 7.7% |
| Contra Costa County | 769 | 483 | 85 | 11.1% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
| Coastal Community Bank | C | 15,830 | 2.7% | 9.99% |
Frequently asked questions
California: 22,048 applications in 2025, of which 14,032 were originated and 2,147 denied.
9.7% of all applications, or 13.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans JPMorgan Chase Bank originated in California in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are JPMorgan Chase Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology