JPMorgan Chase Bank in Texas vs the state
9.8%Denial rate-9.60 pts vs state
13.7%Decision denial rate-11.21 pts vs state
60.1%Origination rate+5.24 pts vs state
6.45%Median rate-0.05 pts vs state
0.05Rate spread (pts)-0.15 pts vs state
$126kMedian applicant income
9,775Loans originated
1,598Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10,898 | 6,736 | 10.0% | 6.63% | #17 |
| 2024 | 16,430 | 10,296 | 9.2% | 6.50% | #11 |
| 2025 | 16,260 | 9,775 | 9.8% | 6.45% | #7 |
What JPMorgan Chase Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most JPMorgan Chase Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 3,410 | 1,940 | 390 | 11.4% |
| Dallas County | 1,769 | 1,064 | 178 | 10.1% |
| Tarrant County | 1,265 | 787 | 132 | 10.4% |
| Bexar County | 1,059 | 696 | 81 | 7.6% |
| Collin County | 1,035 | 639 | 88 | 8.5% |
| Travis County | 904 | 559 | 76 | 8.4% |
| Denton County | 796 | 495 | 71 | 8.9% |
| Fort Bend County | 776 | 434 | 80 | 10.3% |
| Montgomery County | 601 | 373 | 55 | 9.2% |
| El Paso County | 568 | 379 | 36 | 6.3% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
| Newrez | D | 15,001 | 21.7% | 6.50% |
Frequently asked questions
Texas: 16,260 applications in 2025, of which 9,775 were originated and 1,598 denied.
9.8% of all applications, or 13.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans JPMorgan Chase Bank originated in Texas in 2025 was 6.45%, against a statewide median of 6.50%.
About this data. Figures are JPMorgan Chase Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology