Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

TD Bank vs. Chase Bank mortgages

One mortgage lender has more nationwide availability, but watch out for fees.

How do TD Bank and Chase Bank compare?

TD Bank logo
Chase Bank logo
  • Choose this lender for down payments as low as 3%
  • Choose another lender if you’re not on the East Coast
  • A good option for borrowers with an atypical schedule looking to sit down with a loan specialist
  • 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

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

Minimum credit score

Conventional: 620

Conventional: 620

States available

CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT

Available in all states

Pros

  • Online process
  • Low down payment programs
  • Guides and resources
  • Flexible application process
  • Online tracking
  • Other banking products
  • Member discounts

Cons

  • East Coast only
  • Online customer service limited
  • Unclear loan availability
  • Multiple fees
  • Requires fair to excellent credit
  • Limited branches for in-person service

Customer reviews

TD Bank is accredited with the Better Business Bureau (BBB) and receives an A+ rating. The customer reviews on its BBB profile are sparse — slightly under 130 as of September 2019 — and what few are there average to barely over 1 out of 5 stars. Negative reviews focus on poor customer service, and complaints are overwhelmingly categorized as issues with product and service or billing and collections. Out of the more than 950 complaints lodged through the BBB, all have either been answered or resolved. In contrast to the poor ratings on its BBB profile, TD Bank received a 2019 award from J.D. Power for its retail banking customer satisfaction in the Southeast.
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.

Compare mortgage lenders

Compare top brands by home loan type, state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.

Name Product Loan products offered State availability Min. credit score
SoFi
(NMLS #1121636)
SoFi
Conventional, Home equity, Refinance
Not available in: HI, MO, NM, NY, WV
620
No hidden fees, multiple loan terms, and member discounts available.
Rocket Mortgage
(NMLS #3030)
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
620
Streamline your mortgage from quote to final payment — all from your computer or phone.
Better
(NMLS #330511)
Better
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.
loading

Compare up to 4 providers

More guides on Finder

  • Mortgage brokers versus banks

    Check out our guide on the differences between mortgage brokers and bank loan officers. See which one will suit your needs.

  • PNC vs. U.S. Bank mortgages

    PNC offers low down payment options, but U.S. Bank has branches for in-person help. We compare the key features between these two lenders.

  • USAA vs. Wells Fargo mortgages

    USAA offers a range of VA loans for its members, while Wells Fargo has a 3% down mortgage. We compare key features between these two lenders.

  • SunTrust vs. Wells Fargo mortgages

    SunTrust has a variety of government loan programs, but Wells Fargo offers a 3% down mortgage. We compare more features between these two lenders.

  • PNC vs. Ally mortgages

    PNC has low down payment options, but Ally provides clear time estimates on your loan. We compare more features between these two lenders.

  • Alliant vs. Ally Bank mortgages

    Alliant has more loan options, but Ally Bank offers customer discounts. We compare the key features between these two lenders.

  • Navy Federal Credit Union vs. USAA mortgages

    Navy Federal Credit Union has loans with 0% down and no PMI, but USAA may be faster. We compare the key features between these two lenders.

  • Better vs. Guaranteed Rate mortgages

    Guaranteed Rate has more loan options, but Better is known for low closing costs. We compare the key features between these two lenders.

  • Better vs. Ally Bank mortgages

    Better has FHA loans, while Ally Bank offers Purchase loan options. We compare more features between these two digital lenders.

  • Better vs. LoanDepot mortgages

    LoanDepot offers more loan options, but Better doesn’t charge lender fees. We compare more features between these two lenders.

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site