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Chase Bank vs. PNC Bank mortgages

Chase and PNC are both available nationwide, but is one better for your next mortgage?

Updated

Fact checked

How do Chase Bank and PNC compare?

Chase Bank logo
PNC logo
  • 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.
  • Choose this lender for low down payment options
  • Watch out for poor customer service
  • A good option for commercial real estate loans

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

Available in all states

Available in all states

Pros

  • Flexible application process
  • Online tracking
  • Other banking products
  • Member discounts
  • Multiple loan choices
  • Low down-payment options
  • Online application tracking

Cons

  • Multiple fees
  • Requires fair to excellent credit
  • Limited branches for in-person service
  • Limited branch locations
  • Customer complaints

Customer reviews

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.
PNC isn't credited with the Better Business Bureau (BBB), but receives an A- rating from it as of September 2019. On average, customers give PNC a low 1 out of 5 stars on the BBB site. Of the over 1,500 complaints on the BBB website, only two are unanswered and one is unresolved. Many customers report having issues with customer service, unexpected fees and poorly handled fraud cases.

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