Guess I was lucky with my app! I was able to apply on line, got the pending message, called in to the back door number and spoke w/credit analyst. Had to unfreeze my EX report whilst on the phone with them, and then got instant approval.
Don't know about JPM/Chase customer service in one of their banks, but if it's like most (and the credit union I use), the app has to go to underwriting before a final decision. With my CU, the loan guy I use can tell me the likelihood of approval based on my scores, but it still has to go to underwriting for the final blessing. I'm betting Chase/JP Morgan operate similarly in their in-person apps. I'd be surprised if was instant approval.
