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Chase vs PennyMac
Side-by-side refinance comparison based on public data and CFPB records.
By Wirly Editorial Team | Last reviewed: May 2026 | AI-assisted, human-reviewed
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Quick Comparison
| Feature | Chase | PennyMac |
|---|---|---|
| Wirly Rating | 4.2/5 | 4.1/5 |
| Min. Credit Score | 620 | 620 |
| Loan Types | Conventional, FHA, VA, Jumbo | Conventional, FHA, VA, Jumbo |
| Best For | Existing Chase customers | Existing PennyMac borrowers |
CFPB complaint figures reflect 2024 data. Lender profiles last reviewed May 2026.
At a Glance
Wirly Rating
Min. Credit Score
Loan Types Offered
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
PennyMac
Pros
- +Simple refinance process for current PennyMac customers
- +Competitive rates on conforming and government loans
- +No in-person visit required
Cons
- -Limited branch locations
- -Less competitive for jumbo or non-conforming loans
- -Online tools are functional but not best-in-class
How we compare lenders
Wirly compares lenders using public HMDA lending data, CFPB complaint records, published rate and fee disclosures, and editorial review. Rankings and ratings stay independent of advertising relationships. Read our full ranking methodology for details.
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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.