30-yr fixed 6.43% ▾ 0.06 wk
15-yr fixed 5.79% ▾ 0.04 wk
HELOC avg 7.90% — no change
Auto 60-mo new 6.82% ▴ +0.03 mo
Personal 24-mo 11.57% ▾ 0.12 qtr
Credit card APR 21.52% ▴ +0.09 qtr
as of Jul 2, 2026 · Federal Reserve / Freddie Mac via FRED (St. Louis Fed)
Bank · Independent review

Chase: an honest look at the rates and the fine print

Chase is the largest U.S. bank by assets, strong in mortgages, auto lending, and home equity, with meaningful rate discounts for existing customers. Notably, it does not offer unsecured personal loans — so for that product you will look elsewhere — but its mortgage and HELOC offerings are competitive and branch-supported.

By Loans Advisor Editorial Team Updated July 2, 2026

Chase

Mortgages · Bank · NMLS #399798 · Founded 1799

3.9/5
  • ProductsMortgage, auto, HELOC
  • Min down (conv.)3%
  • Relationship perkRate discounts
  • Branches4,700+ nationwide
  • NoteNo unsecured personal loans

Independent profile. Loans Advisor is not affiliated with, or compensated by, this lender.

Where Chase fits

Strengths

  • Relationship rate discounts
  • Huge branch and ATM network
  • Competitive mortgage/HELOC

Watch-outs

  • No unsecured personal loans
  • Best perks need deposits with Chase
  • Some in-branch steps

Best for

Based on its rates and products, Chase is most relevant if you're looking at:

Terms worth knowing

Quick definitions for the fine print on this page:

APRCredit scoreLoan-to-value ratioFixed ratePMIEscrow

Chase: common questions

Does Chase offer personal loans?

No. Chase does not offer unsecured personal loans, so for that product you will need to look elsewhere. It focuses on mortgages, auto loans, and home equity, where its offerings are competitive and branch-supported.

Is Chase a legitimate lender?

Yes. Chase is the largest U.S. bank by assets, tracing its roots to 1799, headquartered in New York, NY, and operating under NMLS #399798 with more than 4,700 branches nationwide. It is an established lender for mortgages, auto loans, and HELOCs. Verify current terms with Chase before applying.

What down payment do you need for a Chase mortgage?

Chase's minimum down payment on a conventional loan is 3%. Existing customers who maintain deposits or investments with Chase may also qualify for relationship rate discounts, which can meaningfully lower borrowing costs. Confirm the current requirements for your loan directly with Chase.

What loans does Chase offer?

Chase offers mortgages, auto loans, and home equity products such as HELOCs, but no unsecured personal loans. Its large branch and ATM network and relationship discounts are the main draw, though some products still involve in-branch steps.

Figures are researched from public rate sheets and regulatory filings and change often — verify current terms with Chase before applying. Loans Advisor is not affiliated with, or paid by, Chase, and earns no referral fee from this profile.