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Chase Refinance Review
By the Wirly Editorial Team | AI-assisted, human-reviewed
Key Statistics
Total Originations
44,884
HMDA 2024
Avg Loan Amount
$0
National average
Denial Rate
0%
National average
States Active
4
With HMDA filings
At a Glance
Min Credit Score
620
Loan Types
Conventional, FHA, VA, Jumbo
Notable Features
- Relationship discounts for Chase banking customers
- In-branch and online application options
- DreaMaker program for lower-income borrowers
HMDA Lending Data
Top states by refinance origination volume. Source: HMDA 2024
Pros and Cons
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
Frequently Asked Questions
Is Chase good for refinancing?
Chase is rated 4.2/5 on Wirly and is best suited for borrowers looking for existing chase customers. They processed 44,884 refinance originations nationally in 2024, according to HMDA data.
What credit score do I need for Chase?
Chase requires a minimum credit score of 620 for mortgage refinancing. However, better rates are typically available for borrowers with scores of 740 or higher.
What loan types does Chase offer?
Chase offers Conventional, FHA, VA, Jumbo refinance loans. VA loans are available for eligible military members and veterans.
What is Chase's denial rate?
Chase's national refinance denial rate is 0%, based on 2024 HMDA data. Denial rates vary by state and borrower profile.
How does Chase handle complaints?
CFPB complaint data for Chase can be found on the Consumer Financial Protection Bureau's complaint database.
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This review is for educational purposes only and does not constitute financial advice. HMDA data sourced from the CFPB. Complaint data from the CFPB Consumer Complaint Database. Wirly is not a lender or mortgage broker. See our methodology.