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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

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.
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.

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