Chase Home Lending Review
See how often this lender beats the typical offer on 2025 loans.
How Bankrate scores Chase Home Lending
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
4 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
4 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
4%2 out of 5 - Where and what they lend
How many states and loan types this lender serves.
97%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. Neither of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, fewer than 90% did, which might mean quoted terms changed before closing, applicants stepped away, or both.
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What Bankrate's editors think
Chase has priced about two-thirds of its loans below comparable 2025 loans, and it charges less in added costs over eight years than most lenders that Bankrate reviews. And if you already bank with Chase, relationship pricing can knock up to one percentage point off your rate, but you’ll need to keep a significant sum of money with the institution. Its Homebuyer Advantage program locks your rate for 90 days while you house hunt, with a one-time chance to lower it if rates drop before you’re under contract. In eligible neighborhoods, its grant adds up to $5,000 (or $7,500 in select markets) toward your rate, fees or down payment.
The rough edges: complaints run a little above average, and a weak relief rate — only 4% resolved with real relief — knocked the score down by a full star. Surprising for a bank this size, roughly 1 in 7 approved loans never reaches closing, worse odds than most lenders reviewed by Bankrate. But closings can fall through for reasons beyond a lender’s control, such as an applicant walking away, so it’s still important to understand Chase’s closing process before signing any paperwork.
If you already bank with Chase and keep a lot of money there, that pricing edge can make a difference. Even if you don’t, it’s still a competitively priced choice — just budget for the chance that your loan could stall before closing.
At a glance
Good for existing Chase customers or anyone who wants to lock a rate for 90 days while they shop for a home. Not a good fit if you want a sure thing once you’re approved — a larger-than-expected share of Chase’s approved loans never makes it to closing.
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Get today's rates for youCompare Chase Home Lending with any of our rated 1,962+ lenders. We start by stacking it up against a lender of similar reach and scale — but you can swap in any lender you’d like.
Figures are drawn from public lending and complaint data and weighted by loan volume.
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