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Chase Bank vs. SunTrust mortgages

Is Chase Bank or SunTrust better for your mortgage?

Updated

Fact checked

How do Chase Bank and SunTrust compare?

Chase Bank logo
SunTrust 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 access to a variety of government loan programs
  • Watch out for frustrating customer service and billing errors
  • A good option for low-income borrowers

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

Not available in: AK, AZ, HI, OR

Pros

  • Flexible application process
  • Online tracking
  • Other banking products
  • Member discounts
  • Low down payment options available
  • Available online in English and Spanish
  • Full-service banking

Cons

  • Multiple fees
  • Requires fair to excellent credit
  • Limited branches for in-person service
  • Not available in all states
  • Higher than average interest rates

Customer reviews

As of October 2020, Chase Bank has an A+ rating with the Better Business Bureau, yet reviewers on the site have only rated it 1.18 out of 5 stars. The bank’s score is only slightly better on Trustpilot, where it’s currently rated 1.3 out of 5. However, it’s important to note that these reviews are for Chase Bank as a whole and not necessarily its mortgage products. Satisfied customers praise Chase’s mobile app, online access and personal service in branches. Most of the negative reviews focus on frustrating customer service, with customers having trouble getting in touch with a helpful representative, being passed around on the phone or just never getting the help they need.
SunTrust is accredited with the Better Business Bureau and holds an A+ rating as of September 2019. Customer reviews tell a different story, though. The company has earned 1 out of 5 stars based on 75 reviews, with most reviewers citing problems with the product, service and billing. Other forums echo similar sentiments. On Consumer Affairs, SunTrust Mortgage has a 1 out of 5 stars based on 32 reviews. While customers were pleased with the mortgage options, they said the service could be slow and representatives were frustrating to deal with.

Compare mortgage lenders

Name Product Loan products offered State availability Min. credit score
Better.com
(NMLS #330511)
Better.com
Conventional, Jumbo, FHA, Refinance
Not available in: HI, MA, MN, NV, NH, VT, VA
620
Online preapproval in minutes and no origination fees with this direct lender.
LendingTree
(NMLS #1136)
LendingTree
Conventional, Jumbo, FHA, VA, USDA, Home Equity, HELOC, Reverse, Refinance
Available in all states
620
Connect with vetted home loan lenders quickly through this online marketplace.
SoFi
(NMLS #1121636)
SoFi
Conventional, Home equity, Refinance
Not available in: AK, HI, MO, NH, NM, NY, SD, WV
620
No hidden fees, multiple loan terms, and member discounts available.
Axos Bank
(NMLS #524995)
Axos Bank
Conventional, Jumbo, FHA, VA, Home Equity/HELOC, Refinance
Available in all states
620
Purchase, refinance, and home equity options available with lender fees as low as $0 (restrictions apply).
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