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JPMorgan Chase Bank · Pennsylvania · 2025

JPMorgan Chase Bank in Pennsylvania: approval rate, denial rate and rates (2025)

JPMorgan Chase Bank took 2,817 mortgage applications in Pennsylvania in 2025, ranking #41 of 1,114 lenders active in the state. It originated 59.2% of them and denied 11.5% (15.9% of the applications it decided), against a statewide denial rate of 18.3%.

2.8kApplicationsin PA
15.9%Decision denial ratestate 22.2%
6.49%Median ratestate 6.63%
$265,000Median loanstate $155,000
$616MVolume59 counties
Full JPMorgan Chase Bank review All lenders in Pennsylvania

JPMorgan Chase Bank in Pennsylvania vs the state

11.5%Denial rate-6.79 pts vs state
15.9%Decision denial rate-6.27 pts vs state
59.2%Origination rate-1.78 pts vs state
6.49%Median rate-0.13 pts vs state
0.05Rate spread (pts)-0.19 pts vs state
$128kMedian applicant income
1,667Loans originated
324Denied

Trend in Pennsylvania

YearApplicationsOriginatedDenial rateMedian rateRank in state
20231,7331,11511.0%6.63%#48
20242,2731,4309.2%6.63%#43
20252,8171,66711.5%6.49%#41

What JPMorgan Chase Bank lends in Pennsylvania

By loan purpose

Home purchase 1,796 64% · 9.2% denied
Refinance 287 10% · 7.7% denied
Cash-out refinance 423 15% · 16.8% denied
Home improvement 128 5% · 21.1% denied
Other / HELOC 183 6% · 20.8% denied

By loan type

Conventional 2,666 95% · 10.5% denied
FHA 120 4% · 30.8% denied
VA 31 1% · 19.4% denied

Why it denied Pennsylvania applicants

Debt-to-income ratio 103 32%
Collateral 82 25%
Other 55 17%
Credit history 30 9%
Unverifiable information 28 9%
Insufficient cash 14 4%
Employment history 12 4%

Where in Pennsylvania

Counties with the most JPMorgan Chase Bank applications in 2025.

CountyApplicationsOriginatedDeniedDenial rate
Philadelphia County 43625553 12.2%
Allegheny County 38420448 12.5%
Montgomery County 27016729 10.7%
Delaware County 20112024 11.9%
Chester County 1991358 4.0%
Bucks County 17611811 6.3%
Monroe County 1055617 16.2%
Lehigh County 985413 13.3%
Northampton County 84595 6.0%
Lancaster County 70475 7.1%

Other large lenders in Pennsylvania

LenderGradeApplicationsDenial rateMedian rate
Rocket MortgageC 22,41118.6%6.75%
Citizens BankC 18,25628.1%7.65%
PNC BankD 18,03120.6%6.88%
United Shore Financial ServicesB 13,17813.4%6.47%
Crosscountry MortgageB 11,6153.3%6.63%
Members 1stB 10,86330.9%1.99%
First National Bank of PennsylvaniaB 9,54227.8%6.49%
Police & FireC 8,46034.6%6.25%
PENNSYLVANIA STATE EMPLOYEES Credit UnionC 8,30813.7%6.64%
Pennymac Loan ServicesC 7,90012.6%6.50%

Frequently asked questions

Pennsylvania: 2,817 applications in 2025, of which 1,667 were originated and 324 denied.

11.5% of all applications, or 15.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.

The median rate on loans JPMorgan Chase Bank originated in Pennsylvania in 2025 was 6.49%, against a statewide median of 6.63%.

About this data. Figures are JPMorgan Chase Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology