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MortRadarTERMINAL

LENDER WHITESPACE MAP

Where should this lender grow?

Pick any lender and map where it is under-represented relative to its own national market share. Each state's local share is compared to the lender's baseline; a state below the baseline is whitespace — quantified as the origination dollars the lender would add by merely reaching its own share there. Every number is a real HMDA state-rollup aggregate; a state with no recorded activity shows an honest gap, never an invented figure.

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JPMorgan Chase Bank

HMDA 2025 · company profile →

National origination share · 2025

2.76%

own baseline
National origination shareThe lender's share of national HMDA origination dollars in the mapped year — the baseline every state on the whitespace map is measured against.$66.29B of a $2.41T state-reported market

States & territories active · 2025

51

of 50 + DC
States & territories activeCount of distinct HMDA jurisdictions in which the lender originated at least one loan in the activity year. It is not a count of the 50 states: the HMDA code set also carries the District of Columbia and the U.S. territories (Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa and the Northern Mariana Islands), which is why full coverage reads 54 and why this figure is never labelled "N states". Where the underlying code list is available a surface names the split exactly; where only the count is available it reads "states & territories".of 50 + DC

TOP WHITESPACE STATE

North Carolina

$1.40B
North Carolina: $1.40B addressable at JPMorgan Chase Bank's own national share (currently 1.20% local).

Addressable whitespace volume · 2025

$18.67B

at own share, all states
Addressable whitespace volumeΣ over under-penetrated states of (the lender's national share − its local share) × that state's market volume: the origination dollars added if the lender reached its own national share in every state where it is below it.a planning frame, not a forecast

LOCAL SHARE vs OWN NATIONAL BASELINE · 2025

JPMorgan Chase Bank whitespace map: state market share versus its national baseline, 2025
Whitespace (below) ← share gap in bps → Stronghold (above)
−550 bps±0.0 bps+550 bps

Cool/negative states sit below JPMorgan Chase Bank's own national share (whitespace to grow into); warm/positive states sit above it (strongholds). The gold ring marks the HQ state.

North Carolina

2,307 loans · NC
$89.58B1.20%North CarolinaBaseline (own national share): 2.76%−156 bps$1.40BNorth CarolinaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Virginia

1,406 loans · VA
$77.59B1.11%VirginiaBaseline (own national share): 2.76%−164 bps$1.27BVirginiaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Pennsylvania

1,667 loans · PA
$65.92B0.94%PennsylvaniaBaseline (own national share): 2.76%−182 bps$1.20BPennsylvaniaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Tennessee

1,224 loans · TN
$56.77B1.14%TennesseeBaseline (own national share): 2.76%−161 bps$915.1MTennesseeOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Georgia

2,140 loans · GA
$79.74B1.69%GeorgiaBaseline (own national share): 2.76%−107 bps$850.0MGeorgiaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

South Carolina

1,041 loans · SC
$45.62B1.07%South CarolinaBaseline (own national share): 2.76%−169 bps$769.9MSouth CarolinaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Missouri

752 loans · MO
$35.96B0.65%MissouriBaseline (own national share): 2.76%−210 bps$755.8MMissouriOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Michigan

2,995 loans · MI
$57.17B1.49%MichiganBaseline (own national share): 2.76%−127 bps$725.7MMichiganOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Alabama

465 loans · AL
$28.29B0.46%AlabamaBaseline (own national share): 2.76%−229 bps$648.6MAlabamaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Florida

6,131 loans · FL
$183.52B2.42%FloridaBaseline (own national share): 2.76%−34 bps$616.0MFloridaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Minnesota

624 loans · MN
$36.59B1.12%MinnesotaBaseline (own national share): 2.76%−163 bps$597.4MMinnesotaOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Massachusetts

1,248 loans · MA
$64.28B1.85%MassachusettsBaseline (own national share): 2.76%−91 bps$582.4MMassachusettsOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Maryland

1,195 loans · MD
$45.00B1.46%MarylandBaseline (own national share): 2.76%−129 bps$580.9MMarylandOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Wisconsin

1,346 loans · WI
$38.40B1.29%WisconsinBaseline (own national share): 2.76%−146 bps$562.0MWisconsinOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

Utah

483 loans · UT
$36.70B1.37%UtahBaseline (own national share): 2.76%−138 bps$506.8MUtahOrigination volume the lender would add here by reaching its own national market share — the state market size × the share gap.

FREE“Addressable” is the state market size × the gap between the lender's national share and its local share — a planning frame for where its own share implies room to grow, not a forecast or a claim of winnable volume. Baseline and per-state shares are both derived from the HMDA state rollups (lender_state_year / market_state_year), so they are internally consistent. Source: HMDA public loan-application data (CFPB/FFIEC). Market-share momentum.