JPMorgan Chase Bank in North Carolina vs the state
7.0%Denial rate-11.10 pts vs state
9.2%Decision denial rate-13.63 pts vs state
67.0%Origination rate+9.14 pts vs state
6.38%Median rate-0.13 pts vs state
-0.02Rate spread (pts)-0.11 pts vs state
$129kMedian applicant income
2,307Loans originated
240Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,085 | 1,461 | 6.3% | 6.50% | #40 |
| 2024 | 3,156 | 2,241 | 6.2% | 6.50% | #33 |
| 2025 | 3,446 | 2,307 | 7.0% | 6.38% | #32 |
What JPMorgan Chase Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most JPMorgan Chase Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 806 | 591 | 44 | 5.5% |
| Wake County | 540 | 341 | 27 | 5.0% |
| Durham County | 199 | 144 | 10 | 5.0% |
| Guilford County | 178 | 112 | 15 | 8.4% |
| Forsyth County | 134 | 92 | 7 | 5.2% |
| Union County | 117 | 78 | 7 | 6.0% |
| Cabarrus County | 102 | 65 | 4 | 3.9% |
| New Hanover County | 95 | 61 | 13 | 13.7% |
| Pitt County | 73 | 56 | 4 | 5.5% |
| Buncombe County | 71 | 49 | 5 | 7.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 3,446 applications in 2025, of which 2,307 were originated and 240 denied.
7.0% of all applications, or 9.2% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans JPMorgan Chase Bank originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are JPMorgan Chase Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology