Chase Home Lending CEO on AI, Growth, and Market Volatility
Sean Grzebin became CEO of Chase Home Lending in November, bringing experience from various roles at the bank since 2011. His background spans from PHH Mortgage in 1997 through Countrywide and Goldman Sachs before joining Chase. This extensive experience across market cycles informs his approach to steering the business through fluctuating market conditions.
Grzebin emphasizes how Chase uses data and artificial intelligence to maintain stability and growth despite external challenges. The bank's strategic investments in technology support decision-making and improve operational efficiency in both lending and servicing.
Chase's Position in the Mortgage Market
According to Home Mortgage Disclosure Act data, Chase ranked as the sixth largest mortgage lender nationwide in 2024 and the third largest depository lender, trailing only Bank of America and Navy Federal Credit Union. The firm's home lending volume reached $40.8 billion last year.
- $25.5 billion was generated through retail channels.
- $15.3 billion came from the correspondent channel.
Chase holds a significant role in correspondent lending, maintaining partnerships with independent mortgage banks. This relationship is complex but critical to Chase’s market presence. Additionally, Chase serviced $648 billion in loans for other investors as of December 31, 2024.
Grzebin’s Journey Within Chase
Grzebin started at Chase overseeing default operations, his first servicing role. By 2015, he transitioned back to origination and then led consumer originations from 2016 onward. His responsibilities encompassed home equity, consumer direct, retail lending, and their related operations.
His deep operational knowledge across both origination and servicing gives him a clear view of how to build resilience in the business, especially through the application of AI and data analytics.
For executives focused on strategy, Grzebin’s approach highlights the importance of integrating technology with traditional banking relationships to sustain growth during volatile market periods.
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