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Chase vs loanDepot
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | Chase | loanDepot |
|---|---|---|
| Wirly Rating | 4.2/5 | 4/5 |
| Min. Credit Score | 620 | 620 |
| Loan Types | Conventional, FHA, VA, Jumbo | Conventional, FHA, VA, Jumbo |
| Best For | Existing Chase customers | Repeat customers |
Pros and Cons
Chase
Pros
- +Rate discounts for existing Chase banking customers
- +Nationwide branch network for in-person support
- +Strong reputation and financial stability
Cons
- -Less competitive rates without relationship discounts
- -Approval process can be slower than online-only lenders
- -No USDA loans
loanDepot
Pros
- +Lifetime guarantee waives lender fees on future refinances
- +Available nationwide with local loan officers
- +Solid digital application experience
Cons
- -Higher rates reported compared to some online lenders
- -Customer service ratings have fluctuated
- -No USDA loans
Ready to see your numbers?
Use our free calculators to see exactly how much you could save with either lender.
This comparison is for educational purposes only and does not constitute financial advice. Rankings reflect publicly available data and editorial evaluation. Wirly is not a lender or mortgage broker. See our methodology.