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6.6

Overall Score

LAST UPDATED: November 22nd, 2022

Chase is a subsidiary of JPMorgan Chase & Co., which was established in 1824. Chase merged with JPMorgan in 2000. Chase Bank offers travel rewards cards, debit cards, car buying and loans, savings accounts and CDs, business and private client services, investing, checking accounts, and home lending.

Chase home lending products include fixed-rate loans, adjustable-rate mortgages, refinance services, and Chase DreaMaker® Mortgages.  

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The Good

  • Interest Rates 
  • Mortgage Types 
  • Convenience 
  • Consumer Education 

Interest Rates 

As of October 2018, for a borrower with excellent credit purchasing a $250,000 home with a $50,000 down payment and a 30-year fixed rate loan from Chase, the interest rate comes out to be 4.875 percent, which is competitive among interest rates offered by other top mortgage lenders. 

Mortgage Types

Chase offers a variety of loan options for borrowers to choose from, including fixed rate mortgages, adjusted-rate mortgages, jumbo loans for amounts between $417,000 and $2 million, DreaMaker® mortgages for borrowers with less-than-ideal credit, FHA loans, VA loans, and refinance services.  

Convenience 

Chase mortgages can be managed through online accounts and via the Chase mobile app, which is compatible with and highly-rated for both Apple and Android devices. This app allows borrowers to stay on top of home loan details on the go. 

Online account access includes making mortgage payments, getting information on your escrow, submitting an insurance claim, and requesting a payoff quote. Chase home equity services are managed on a separate home equity account. 

You can also enroll in an automatic payment service so you don’t have to worry about remembering to pay each month. 

Consumer Education 

Chase’s mortgage learning center includes all necessary tools and information relevant to shopping for a mortgage, including: 

  • Affordability tool (price range for a new home) 
  • Mortgage calculator (rate and payment details) 
  • Home value estimator 
  • Home buyer’s checklist 
  • Sample mortgage application 
  • Credit report guide 
  • Home inspection guide 
  • Moving timeline 
  • Understanding your escrow statement 
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The Bad

  • Some Details Unclear

Some Details Unclear

It is unclear how frequently Chase loan officers communicate with customers throughout the mortgage application process. Presumably, the process is done mostly online, but Chase does have branch locations across the U.S. 

Origination fees, closing costs, and credit score requirements are not disclosed on the company’s corporate website. We do know that down payments can be as low as 3% and in some cases you can apply up to $3,000 of your down payment to closing costs. 

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The Bottom Line

Chase is a trusted lender with which to secure a mortgage. Consumer reviews are overwhelmingly positive and recurring themes include the ease of payment and a high quality of customer service. 

Chase’s interest rates are competitive and if you have a credit card account with Chase Bank, borrowing from the company for a home loan is especially convenient. Finally, Chase’s flagship DreaMaker® loan program is worth looking into if your credit isn’t good, requiring only 3% for a down payment (all of which can originate from an eligible grant or gift). 

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Star Rating

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4.3

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141 Reviews

Review Breakdown

5 grade

60%

4 grade

23%

3 grade

7%

2 grade

8%

1 grade

2%

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Kaleb Herbert Gilbert, AZ

I absolutely love this bank. They are easily accessible as they are on every corner. They staff is friendly and knowledgable. I have been banking with them for over 10 years. When there has been an issue they are always willing to work with me to resolve it. I have a 2nd mortgage with them, which was signed and closed over the phone and by mail.

6 years ago

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Thomas Hullinger Pleasant Grove, UT

I got a loan with Chase and they were very professional. They helped me through all of the steps and made the process easy for me. They pre-approved me and I was ready to go house shopping and then when I found the right one it was a quick closing.

6 years ago

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Jennifer Hargrave Gilbert, AZ

When it was time to have our pool re-surfaced, we turned to Chase for a Home Equity Line of Credit. The transaction was smooth, timely and professional. Their customer service was excellent and the rate was compatible to other major banks. As long time Chase customers, there was no other bank for us when the time came to make this decision. All went great and our pool looks awesome!

6 years ago Edited September 14, 2021

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David Bornancin Westlake, OH

I enjoy building new homes and in the range of 3 to 5 thousand sq. feet. I have used Chase in the past to provide the larger Loans for such home styles and construction. Easy to work with and a very trusted Bank and mortgage company. I have other accounts with Chase as well so you can mange everything from their online portal and site. They also provide additional service beyond Homes and Loans.

2 years ago

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Michelle Crane Phoenix, AZ

When we were in the process of buying our first home we looked into chase bank for their physician loan program. I spoke to a customer service representative and he clearly explained to me what they could offer us and also explained to me the terms of the program (how much I would need to put down and a ball park interest rate). He was helpful in answering my questions and walked me through what the home mortgage process would be like should we choose to go through chase. I was very satisfied with the customer service I experienced

2 years ago Edited April 14, 2022

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Yael Fort Myers, FL

I joined Chase Bank a few years ago when they entered my market and absolutely love their products and services. As a long term customer they have offered many many loan & credit options especially their first mortgages, with my credit score and their free or up to xyz closing costs at sale, it was a no brained to choose them for my first mortgage needs. Also, to note their new cafe/lounge concepts make banking more personable and friendly.

3 years ago Edited October 18, 2021

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David Wilhelm Escondido, CA

Chase was an excellent customer service oriented company and was very thorough, professional and kept me informed on the status on my mortgage refinance application throughout the entire process. In particular, there service agent was knowledgeable and answered all of my questions in a timely manner. In addition, they are very responsive to customer inquiries and usually return messages within 24-48 hours. As a result, I highly recommend Chase Bank for a prospective home buyer or current home who is considering refinancing their existing mortgage.

3 years ago

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Jlbflatx New Braunfels, TX

Signed up with chase after continuing to receive reward for opening an account. They were closer so took a chance. Really love the app and ease of getting all information I want quickly and by phone or email. Everything is right there that you need to see. Deposit checks online. Zelle to send and receive. Continue to update the app with more handy info. I really like chase better than any bank I have used over the years. If I have problem with website the fix it immediately. I have chase checking now and had for years.

4 years ago Edited March 31, 2022

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Ashley Pleasant Grove, UT

If you are looking for stability in a lender then look no further than Chase Bank. They have really great Mortgage rates right now. We are looking to purchase a second home in southern Utah and for a fixed rate right now it is unbelievable! The best thing about Chase is that it is a massive financial institution in the U.S. and wherever we move I know I can find help and trust that this is a solid bank that can help.

5 years ago

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Leslee Muramoto Draper, UT

The rates and fees were comparable to the other companies we compared with at the time of the loan. We have autopay and so far haven’t had any issues in the 4 years we’ve been with them. We almost switched last year to a company with lower rates and I was surprised at how little Chase did to try to retain us as a customer. We tried to see if they’d give us a similar rate at a no cost refinance and they wouldn’t even call us back until the other lender was getting information from them. We stayed with Chase because the cost wasn’t worth it to switch the loan. So I guess they’re great as long as you don’t want to feel like a valued customer?

5 years ago

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Melanie Kinslow Buda, TX

Chase is one of the absolute best banks. They are trustworthy, reliable, customer service friendly, helpful, and constantly monitor our accounts and credit cards. They call whenever there is any suspicious activity and we truly appreciate that. Getting a loan with them has been an easy process, and they provide all kinds of services for free like a notary public, money orders and currency exchanges.

6 years ago

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J Paul Wright Central, UT

Chase is my current mortgage provider. It was the third change on my current home. They have been easy to deal with and their online payment and account management is excellent. Probably the easiest company I have had to deal with as for as mortgages go. It doesn't hurt that I also have a credit card with them, so it automatically tied to my account.

6 years ago

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sandra timmons

Been my husband's for many years any never an issue-When he has ?'s we call and they answer we all the facts and when I hang up my husband knows where he stands-One terrific company to have on your side side

6 years ago

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Monica Hunt Bradenton, FL

The customer service representative are always helpful in looking for ways to help keep your mortgage in good standing. They have several different option and are very knowledgeable in explaining each option so you can make the best decision.

2 years ago

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Helana Savage Denver, CO

One thing that I would like 2 say about Chase ..I love the web app they got for my phone , & the best thing about it is the instant claim dispute and reimbursement , it's the best! Anyways , I was in process of applying for my first home loan when I got turned down for the loan I wanted to obtain as I was seeking low interest ( oops). But their is a happy ending bcuz I got what I needed anyways ,but not through my good ole Chase bank.Although I still do bank with them.

2 years ago

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Rebecca Carnahan Orlando, FL

Chase practically owns me. I have had a mortgage, HELC, and multiple credit cards with Chase and have never had a problem with them. They always have excellent customer service and user friendly website. Their interest rate is low and fair.

2 years ago

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Mozhgan Noori Riverview, FL

I’ve always had good experiences but the other day I felt I was speaking to a robot, he had no compassion, didn’t present any options, was hesitant to allow me to speak to a supervisor since he knew I was going to complain about him. I asked if I could call supervisor after waiting 20 minutes. He proceeded to give me a number in the Philippines where the call center is!!!

2 years ago

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Dennis Date Glen Burnie, MD

I have had our home mortgage with Chase since Nov 1991. That is 31 years! We have never had a problem with them. They provide me with an exceptional variable index interest rate. They used to be Washington Mutual Bank, but changed to Chase some time ago.

2 years ago Edited July 15, 2022

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Wendy Shaw Queens, NY

Chase Mortgage stands out from the rest for first-time home buyers. They have a variety of home loans. Options for small down payment and closing cost assistance. Not to mention how easy it was to use the portal. Outstanding work!!!

2 years ago

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Ashlyn Elwood Roswell, GA

When I was first starting out I used Chase's mortgage system. They have wonderful options for veterans which include perks like a 0% downpayment and Chase grants to lower your interest rate. It's nice to know that the bank isn't money hungry, but actually cares about giving back to the community, especially those who have served!

2 years ago Edited December 16, 2021

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Jeffery Day Saraland, AL

Great start wasn't asking alot fair rates short financing low down payment and free maintenance. Got all I wanted. As years went by personal event happen. Chase held me up then wouldn't let fall. I'll forever be grateful for it. The only reason didn't give a 5. Towards the end of having home pay off. They up and sold my contract in package deal to company never heard of. Felt well betrayed. I know just business in reality I miss them handing over title saying thanks we'll done

3 years ago

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Brett Schiftner Weatherford, TX

When I refinanced I shopped around and shows Chase because they had the best combination of rates and closing costs. Since then I've been very satisfied with the service. I do e-payments and they're always handled flawlessly. Statements are clear and easy to read. Everything is fine. nothing to complain about

3 years ago

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Heidi Grosowky Cleveland, OH

I bought my house through Chase Mortgage. My loan officer was close by at the local branch, and she walked me through everything, including various financial options to ensure I picked the most advantageous mortgage product. She advised where I could save money by DIYing, and where I needed to go through the bank.

3 years ago

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Gracie Taylor Louisville, KY

I shopped around for different mortgages, but was happy to chose Chase! Their phone app is easy to set up payments, the interest is super low, and they tell me when interest rates go lower. I have a personal banker I can email and ask any questions. If I were to go back in time, I would do it all over again with Chase!

3 years ago

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Hemant Ramachandran Sunnyvale, CA

Chase has been very good. They are very quick to respond and do so very efficiently. When I set up my account, the person who was in charge of it was extremely good in all ways. And when I needed to change my passcode, the people who helped me with that were also super efficient.

3 years ago

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Valencia Rucker Maple Heights, OH

I have chase as my primary bank and I use them for my mortgage loan and they are outstanding. From the moment I purchased my home they have been very helpful. They walked me through the entire process which made it so much easier on me

3 years ago

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Aaron & Barbara Rost Fairview Heights, IL

This company has owned our home loan for 14 years now, and I have had zero issues. They have made managing my mortgage easy with their own line app and perfect customer service on the phone. They have always ensured I get the best deal, and protected.

3 years ago

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Stefanie Ewer ,

We are looking at refinancing our home with chase bank. We contacted them and immediately had an email from them and a follow up phone call. Carlos sent us all the necessary paperwork that we needed to proceed with our refinance. Great bank who work with and great customer service.

3 years ago

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Kent Logan, UT

After refinancing our home loan years ago, Chase became our loan servicer. Statements and online banking were all very clear and easy to use. Their terms were very fair - no hidden surprises. I would have been happy to stay with them, but we recently refinanced again and were not given a choice in loan servicer.

3 years ago

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Barbara Clayton

We have used Chase banking for about 5 years and are very happy with it. We started with receiving the bonus money for tranferring a certain amount into our accont. We moved from one state to another and it was great to have Chase in both places. It made the move and selling and buying our houses easier. We like having a Chase in Wal-Mart, which has veen convenient.

5 years ago

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Brian Scott Provo, UT

I can't say enough good things about Chase Mortgage. They offer competitive rates and have a variety of home loan options. When I had questions about my loan, their customer service representatives were courteous, patient, and knowledgeable.

5 years ago

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Brandie Rudy West Jordan, UT

Chase Mortgage has carried our home loan and I couldn't be happier. We are also bank and credit card customers. The website is safe and secure, easy to navigate and use to access statements, refinancing options, and even help with payments.

5 years ago

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Keri Christensen Lehi, UT

Our mortgage just got switched over to chase and I couldn’t be happier. I was not aware that it was switching and so out mortgage was 2 months past due. They called us up and we got it all straightened out and they were extremely helpful. No late charges and no negative reports to the credit companies.

5 years ago

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Lesa Burgess Pleasant Grove, UT

I love Chase. We use Chase for many things including a home loan. I love their customer service and their app is my favorite. When we got a home loan we first decided to see what we could afford and then got a loan for that amount, we didn't go so how much of a loan we could get first. I felt this was smarter.

6 years ago

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James B nelson Las Vegas, NV

Chase moved quickly to take over my mortgage once initiated. They have been excellent for the billing and helpful in their reporting. I have no complaints. OF course I have been a perfect customer so they have had no need for an exception.

6 years ago

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James Winnie Gilbert, AZ

This process is never fun, but my experience with Chase was as straight-forward as it gets. They told me exactly what I needed, what not to do (get new lines of credit and stuff), and we just waited for underwriting to finish. Their rates are reasonable, and they have never sold my loan to a different carrier. Service has always been there when I've needed it. Payment terms are well advertised, including penalty date.

6 years ago

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Lifeadon Cincinnati, OH

This has been a overall horrible experience! I have done things multiple times I’m getting the run around this should have been easy pea’s instead I’ve been dealing with IDK let me find out to Im not sure! I went as far as requesting a new loan team! This is a all out horrible process… pennymac went through smooth I just didn’t like the price But I may be going back to them if this chase loan team don’t close or they don’t get me a new team 😞

2 years ago

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Dawn Waikoloa, HI

My mortgage was sold to Chase many years ago. These are the reasons for my 1 Star: A few years ago Chase contacted me about doing a refi with a much lower interest rate. After going through multiple phone calls, emails, and verification they told me they would not do the loan because I had a second on my home which was ridiculous! The second was a state loan for emergency repair, which I qualified for, all repairs made and the loan does not allow you to make payments. You have to pay off the entire amount within 15 years. Chase would not do my refi and give me cash to pay off the second, they said the second had to be paid off before they would consider doing the loan. 2. I could not pay off the second, but stayed with Chase. This year they mandated I have hurricane insurance. The state I live in does NOT mandate hurricane insurance, but Chase is. So that is $1,500 of wasted money. I am refinancing with another lender. Watch out for Chase!

4 years ago

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Ellie Bradley Thousand Oaks, CA

We liked having our mortgage with Chase because we felt it was a string company that we could trust. That proved true for the most part. Security was strong and customer service was knowledgeable regarding our questions. Our only complaint is that sometimes we had to stay on hold for a really long time to connect with someone to get help.

1 year ago

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Thomas Mallis Gainesville, GA

This company is easy to work with and everything you need can be found on their website. When COVID hit, the company provided me with mortgage relief when my salary and workload were temporarily reduced.

2 years ago

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Kathy Kerber Olympia, WA

Chase has good customer service, until you have an actual problem. To clarify, Chase incorrectly reported information to the IRS, after a refinance. They then stonewalled our attempts to get to the bottom of the issue. We asked for a simple running balance on our mortgage, and we could not get one. The numbers did not match up. We contacted the V.A. and asked them to intervene on our behalf, and while they were unable to get Chase's cooperation, they did validate the discrepancy existed. We finally had to dispute directly with the IRS and we won our challenge. I would never bank with them again after that, though we never had problems with our checking account or debit card or anything like that. I think if a bank makes an error, they should admit it, rather than try to obfuscate the documentation in an apparent attempt to compel us to give up. I strongly recommend you do not use them for a mortgage loan.

2 years ago

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Luke Swierczynski Waterford, MI

I do all my banking with Chase so it only made sense to consider them when seeking a mortgage. Same stellar customer service but ended up going with a competitor based on cost and the speed they could get my loan closed.

2 years ago

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Alex John Laguna Niguel, CA

I like this bank because they offer great credit cards, mortgages and fast transfers between the banks. As the private client, they offer competitive mortgage rates which is amazing

3 years ago Edited September 14, 2021

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Steve Ashby , AZ

I refinanced my house with Chase several years ago. Our original loan was with Chase and they did a great job with giving us a fee-less refi at a great rate. With rates so low I wanted to refi again and gave Chase the first opportunity...not such a great experience. Lots of fees and not a very good rate... They were responsive and good about getting me through the qualifying, but I'll have to refi with someone else this next time.

4 years ago

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Roxana Perez ,

Chase offers a broad selection of purchase and refinance mortgages, easy online rate shopping, and online loan tracking and document uploads. However, their interest rates tend to be on the high end.

4 years ago Edited September 14, 2021

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Tiauna Anderson Sandy, UT

We used Chase bank to refinance our primary residence this summer when the rates hit historic lows. Chase was so easy to work with, helped us get all documentation needed for closing. and made sure we stayed on track for our needed deadline. I highly recommend!

4 years ago

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wayne sanders Valley Center, CA

several years ago our home loan was with Chase. we chose to go with Chase because we felt that the terms of our loan were were fair and what we could work with. our agent was nice and explained everything clearly and took the time to answer any questions we had.

5 years ago

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Bella Houtz South Jordan, UT

We've banked with Chase for years. Customer service is very helpful and are always friendly and eager to answer any questions.

6 years ago Edited September 14, 2021

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Kati Biren

Customer service is SO frustrating and they do audits of my account in OCTOBER before our city releases the proposed taxes for the next year so I'm always under or over in my escrow...the website is easy to use/get info from

6 years ago

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Steve Portland, OR

What Chase excels at is going into the branch and offering a human being to talk with. Had a couple of questions in the process and Geoff in my local branch cleared it up immediately. The rate is competitive also.

2 years ago