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Chase vs SoFi
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | Chase | SoFi |
|---|---|---|
| Wirly Rating | 4.2/5 | 4.4/5 |
| Min. Credit Score | 620 | 600 |
| Loan Types | Conventional, FHA, VA, Jumbo | Conventional, Jumbo |
| Best For | Existing Chase customers | High-balance loans |
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
SoFi
Pros
- +No origination, application, or appraisal fees
- +Competitive rates for well-qualified borrowers
- +Unemployment forbearance program for members
Cons
- -No FHA, VA, or USDA loans
- -Higher minimum credit score than some competitors
- -Limited loan product variety
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.