JPMorgan Chase Bank in New York vs the state
11.7%Denial rate-8.10 pts vs state
15.4%Decision denial rate-8.67 pts vs state
62.2%Origination rate+2.60 pts vs state
6.38%Median rate-0.25 pts vs state
-0.04Rate spread (pts)-0.25 pts vs state
$164kMedian applicant income
9,163Loans originated
1,717Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10,767 | 7,317 | 10.3% | 6.40% | #6 |
| 2024 | 11,440 | 7,362 | 10.8% | 6.50% | #5 |
| 2025 | 14,735 | 9,163 | 11.7% | 6.38% | #4 |
What JPMorgan Chase Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most JPMorgan Chase Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Queens County | 2,148 | 1,343 | 262 | 12.2% |
| New York County | 1,935 | 1,241 | 182 | 9.4% |
| Kings County | 1,923 | 1,195 | 252 | 13.1% |
| Nassau County | 1,737 | 1,073 | 180 | 10.4% |
| Suffolk County | 1,702 | 1,100 | 172 | 10.1% |
| Westchester County | 1,650 | 1,093 | 155 | 9.4% |
| Bronx County | 538 | 305 | 98 | 18.2% |
| Richmond County | 476 | 315 | 59 | 12.4% |
| Rockland County | 280 | 160 | 34 | 12.1% |
| Orange County | 275 | 160 | 41 | 14.9% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
| Crosscountry Mortgage | B | 7,792 | 5.5% | 6.75% |
Frequently asked questions
New York: 14,735 applications in 2025, of which 9,163 were originated and 1,717 denied.
11.7% of all applications, or 15.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans JPMorgan Chase Bank originated in New York 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 New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology