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BBVA vs. Chase Bank mortgages

You might use BBVA or Chase for your other banking needs, but which lender is better for your next home loan?

Updated

Fact checked

How do BBVA and Chase Bank compare?

BBVA logo
Chase Bank logo
  • Choose this lender for a wide variety of loan types
  • Choose something else if you don’t live in one of the states BBVA serves
  • A good option for borrowers who need nontraditional loans.
  • Choose this lender for great in-person help at branches in 22 states
  • Watch out for frustrating customer service online and over the phone
  • A good option for borrowers who want a mortgage from a well-known bank.

Loans offered

  • Purchase
  • Refinance
  • Jumbo
  • Home Equity
  • FHA
  • VA
  • USDA
  • Purchase
  • Refinance
  • Jumbo
  • Home Equity
  • FHA
  • VA
  • USDA

Minimum credit score

Conventional: 620

Conventional: 620

States available

ID, KS, LA, MA, NM, NV, NY, OH, OK, OR, PA, TN, TX, VA, WA

Available in all states

Pros

  • Big-name institution
  • Multiple loan types available
  • Home Ownership Made Easy program
  • Flexible payment plans
  • Flexible application process
  • Online tracking
  • Other banking products
  • Member discounts

Cons

  • Limited states served
  • Mixed customer reviews
  • Multiple fees
  • Requires fair to excellent credit
  • Limited branches for in-person service

Customer reviews

BBVA Compass is not an accredited business with the Better Business Bureau. It receives a BBB rating of B- for failing to respond to four complaints. Generally, BBVA customers praise its friendly in-person customer service and the speed and ease of its online platform. However, some complain of miscommunications between BBVA loan officers hindering the loan application process. Some BBVA customers had to repeatedly call to follow up on the status of their loan and criticized BBVA’s disorganized approach to the loan closing process.
Chase Bank has a B+ rating with the Better Business Bureau, where it receives 1/5 stars from customers as of September 2019. It gets just slightly better marks on Trustpilot, where it gets 1.7/5 stars. But those reviews are for the bank as a whole, and not necessarily its mortgage products. Happy customers praise the app, online access and personal service in branches. Most of the negative reviews focus on frustrating customer service, with customers having trouble getting ahold of someone, being passed around on the phone or just never getting the help they need.

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