JPMorgan Chase Bank in Massachusetts vs the state
9.7%Denial rate-6.52 pts vs state
13.3%Decision denial rate-6.65 pts vs state
61.7%Origination rate-0.88 pts vs state
6.38%Median rate-0.25 pts vs state
-0.09Rate spread (pts)-0.18 pts vs state
$206kMedian applicant income
1,248Loans originated
196Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,214 | 807 | 8.2% | 6.38% | #28 |
| 2024 | 1,492 | 952 | 10.1% | 6.49% | #29 |
| 2025 | 2,022 | 1,248 | 9.7% | 6.38% | #22 |
What JPMorgan Chase Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most JPMorgan Chase Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 572 | 363 | 42 | 7.3% |
| Norfolk County | 310 | 201 | 29 | 9.4% |
| Suffolk County | 257 | 170 | 25 | 9.7% |
| Essex County | 213 | 126 | 26 | 12.2% |
| Worcester County | 178 | 94 | 23 | 12.9% |
| Plymouth County | 137 | 84 | 15 | 10.9% |
| Barnstable County | 98 | 59 | 7 | 7.1% |
| Hampden County | 72 | 47 | 7 | 9.7% |
| Bristol County | 70 | 38 | 10 | 14.3% |
| Nantucket County | 38 | 22 | 3 | 7.9% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 2,022 applications in 2025, of which 1,248 were originated and 196 denied.
9.7% of all applications, or 13.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans JPMorgan Chase Bank originated in Massachusetts in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are JPMorgan Chase Bank's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology