Chase Home Lending Review
See how often this lender's rate is at or below the median on 2025 loans.
How Bankrate scores Chase Home Lending
- Price competitiveness
How often this lender's borrowers got an interest rate at or below the median rate for similar loans.
4 out of 5 - Amount of overpayment
How much more this lender's borrowers paid than the lowest-cost mortgage offer for a similar borrower and loan, almost always found exclusively through Bankrate's auction.
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. Importantly, federal mortgage disclosure data does not include applicants' credit scores, so the analysis cannot account for differences in creditworthiness that may explain some disparities. This limitation applies to all lenders, making comparisons more consistent, but its impact may vary across lenders. These measures identify potential disparities, not proof of unfair treatment.
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.
Importantly, this measure is not included in the scores because a lender's closing likelihood might be pulled down by factors outside their control, such as differences in application volume. Nonetheless, there are clear performance differences between lenders even after these factors are controlled for, so it is included for informational purposes only.
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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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