I used to get all my mortgages through First Republic Bank (R.I.P.) which is now part of JP Morgan Chase. I've been going through underwriting hell with JPMC and about to lose my mind. It seems like these idiots in the back offices of Columbus, Ohio or Jacksonville, Florida are incapable of understanding a borrower with complicated financials. I'm talking tax returns that are well over 1,000 pages long, with over 100 K-1s, income from foreign sources denominated in foreign currency and statements written in foreign language... you get the idea. I have lines of credit (not at JPMC) that I could tap, but I would prefer to get financing through a bank or other lender if possible. I've heard a number of people recommend Citizen's Private Bank, apparently many First Republic folks went there post-2023. What would be the 2025-26 equivalent of what First Republic was pre-2023?
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