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TD Bank vs. Chase Bank mortgages

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

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Britny Lawhorn
Updated
Fact checked

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.

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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.

Data updated regularly
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.
See rates
More Info
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.
See rates
More Info
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.
See rates
More Info
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.
See rates
More Info
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