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U.S. Bank vs. Chase Bank mortgages

How do the mortgage services of these two big banks compare?

Britny Lawhorn

Updated Oct 4, 2020

Fact checked

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How do U.S. Bank and Chase Bank compare?

Choose this lender if you want branches for in-person help
Watch out for poor customer service
A good option for existing customers who want to all of their accounts at one bank

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

Purchase

Refinance

Jumbo

Home Equity

USDA

Purchase

Refinance

Jumbo

Home Equity

USDA

Neither of these seems the right fit?

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Minimum credit score

Conventional: 620

States available

Available in all states

Pros

Wide range of home loans
Award-winning bank
Online prequalification

Flexible application process
Online tracking
Other banking products
Member discounts

Cons

Fees

Multiple fees
Requires fair to excellent credit
Limited branches for in-person service

Customer reviews

The handful of reviews for U.S. Bank on TrustPilot are all over the place, from some calling it a "scam" to others giving the lender 5 stars, praising its "fantastic help." U.S. Bank is accredited with the BBB and gets a B+ rating from the organization. However, you'll find plenty of 1 star reviews from customers.

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.

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Compare mortgage lenders

Name	Loan products offered	State availability	Min. credit score
Better.com (NMLS #330511)	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	loading Fetching your data...
LendingTree (NMLS #1136)	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	loading Fetching your data...
SoFi (NMLS #1121636)	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.	See rates More Info	loading Fetching your data...
Axos Bank (NMLS #524995)	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).	See rates More Info	loading Fetching your data...

Compare up to 4 providers

Features	Loan types: Conventional, Jumbo, FHA, VA, USDA, Home Equity, HELOC, Reverse, Refinance Minimum credit score: Conventional: 620 FHA: 500 VA: 620 USDA: 640 Jumbo: 800 Minimum down payment: 3%

Thank you for your feedback!

Britny Lawhorn

Britny Lawhorn is an assistant publisher for Finder who specializes in mortgages. She’s here to help readers get a better deal when they buy or refinance a home. Prior to joining Finder, she spent more than 5 years working in marketing agencies where she helped businesses grow their audience. She attended the University of Tennessee, where she earned a degree in English. In her free time, she enjoys traveling, volunteer work and dabbles in photography.

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