Chase Bank Current Mortgage Rates vs Loaning.ai Mortgage Rates
Having more options to compare can often lead to a better decision.
Freddie Mac research supports this idea: Homebuyers who received mortgage quotes from at least four lenders could save more than $1,200 per year. Rather than settling for the first offer, it pays to compare rates, fees and loan terms carefully.
Still, reviewing multiple lenders can be complicated and time-consuming.
To make mortgage shopping easier, Loaning.ai compared Chase Bank’s key loan products with Loaning.ai offers under similar conditions. Let’s take a closer look at how the rates and overall borrowing costs compare.
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Chase Bank Current Mortgage Rates : Overview
Chase is a subsidiary of J.P Morgan, a leading financial holding company, and is one of the biggest mortgage originators in the U.S.
- Areas of service: 50 states and the District of Columbia
- Digital service: Offers online applications in addition to physical branches
- Headquarters: 270 Park Avenue, New York, NY 10017
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Chase Bank Current Mortgage Rates
30-year fixed rate
FixedEstimated monthly payment
15-year fixed rate
FixedEstimated monthly payment
Example assumptions
The estimates shown above are based on a $1,000,000 home purchase in Irvine, California 92602, a 30% down payment, and an excellent credit profile of 740 or higher. The applicable loan term was selected separately for each example.
The displayed monthly payments include estimated principal and interest, property taxes, and homeowner’s insurance. They do not include HOA dues, closing costs, prepaid items, or other expenses.
Rates, APRs, monthly payments, fees, and available terms may change based on the quote date, borrower qualifications, property details, loan program, rate-lock period, and final underwriting results.
Legal Disclosures
The rates and payment examples shown above are provided for illustrative purposes only. They are not a commitment to lend, a rate lock, an approval, or a guarantee of available loan terms.
General assumptions: Both examples were generated using the same borrower, property, and loan assumptions. The examples are based on a home purchase with a $1,000,000 purchase price, a $300,000 down payment, a $700,000 loan amount, and a 70% loan-to-value ratio (LTV).
The borrower is assumed to have a credit score of 750, U.S. citizenship, and W-2 salary income. The property is assumed to be a one-unit, single-family primary residence located in Irvine, California.
The loan term was the only search criterion changed between the two examples. One estimate was generated using a 30-year fixed term, and the other was generated using a 15-year fixed term.
Fixed-Rate Mortgage Examples
30-year fixed: The estimated monthly payment is $5,033, based on a 6.125% interest rate and a 6.314% annual percentage rate (APR).
- Estimated principal and interest: $4,253 per month
- Estimated property taxes: $592 per month
- Estimated homeowner’s insurance: $188 per month
15-year fixed: The estimated monthly payment is $6,407, based on a 5.250% interest rate and a 5.535% annual percentage rate (APR).
- Estimated principal and interest: $5,627 per month
- Estimated property taxes: $592 per month
- Estimated homeowner’s insurance: $188 per month
The displayed monthly payments include the estimated principal and interest, property taxes, and homeowner’s insurance amounts shown above. They do not include HOA dues, closing costs, prepaid items, or other expenses that may apply to the loan or property.
The examples do not display discount points, lender credits, origination charges, or total estimated cash required at closing. These amounts should not be assumed to be zero and may be included in a personalized mortgage quote or official Loan Estimate.
The interest rate and APR are different figures. The interest rate reflects the rate charged on the borrowed principal, while the APR may reflect the interest rate and certain additional loan costs included in the calculation.
Property taxes and homeowner’s insurance are estimates and may change based on the property, insurance provider, assessment information, escrow requirements, and other factors. The borrower’s actual monthly payment may therefore differ from the examples shown.
Actual interest rates, APRs, monthly payments, fees, closing costs, and eligibility may vary based on market conditions, quote date and time, credit history, income, assets, debt obligations, property details, occupancy, loan program, rate-lock period, and final underwriting results.
The displayed estimates were retrieved on July 13, 2026, at approximately 3:28 PM Korea Standard Time, or 6:28 AM UTC. Rates and pricing are subject to change without notice. Consumers should request and review an official Loan Estimate before selecting a mortgage.
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How Chase Bank Current Mortgage Rates Compares to Other Lenders
Chase Bank offers competitive rates compared with many lenders. However, in the same-condition comparison shown below, Loaning.ai provides a lower rate and lower upfront points or credits. As an online mortgage lender, Loaning.ai may be able to operate with lower overhead than lenders that maintain extensive branch networks, though actual pricing depends on each borrower’s profile and loan details. Compare the rates for yourself below.
30-year fixed
Chase
FixedLoaning.ai
FHA15-year fixed
Chase
FixedLoaning.ai
Conventional ConformingLegal Disclosures
The rates and payment examples shown above are provided for illustrative and comparison purposes only. They are not a commitment to lend, a rate lock, an approval, or a guarantee of available loan terms.
Comparison basis: The Pennymac and Loaning.ai examples use closely aligned, but not completely identical, borrower and property assumptions. Both examples are based on a home purchase with a $1,000,000 purchase price, a $300,000 down payment, a $700,000 loan amount, and a 70% loan-to-value ratio (LTV). The property is intended to be used as the borrower’s primary residence.
Pennymac assumptions: The Pennymac examples are based on a purchase loan for a detached primary residence in Orange County, California, with a $1,000,000 property value, a $700,000 loan amount, a 30% down payment, a 70% LTV, and a 740 FICO score. The loan is shown in first-lien position with no cash out and no prepayment penalty.
Loaning.ai assumptions: The Loaning.ai examples are based on a purchase loan for a one-unit, single-family primary residence in Irvine, California. The borrower is shown as a U.S. citizen receiving W-2 salary income, with a credit score of 750. The purchase price is $1,000,000, the down payment is $300,000, the loan amount is $700,000, and the LTV is 70%.
Because Pennymac uses a 740 FICO score and an Orange County location, while Loaning.ai uses a 750 credit score and an Irvine location, the displayed results should not be described as quotes generated from perfectly identical inputs.
Pennymac examples: The figures shown are conventional fixed-rate purchase examples. The displayed monthly payments represent estimated principal and interest only and do not include property taxes, homeowners insurance, mortgage insurance, HOA dues, prepaid items, closing costs, or other expenses.
- 30-year conventional fixed: 6.250% interest rate, 6.371% APR, $4,310.02 estimated monthly principal and interest payment, and 0.682 discount points ($4,774) due at closing.
- 20-year conventional fixed: 5.874% interest rate, 6.043% APR, $4,964.27 estimated monthly principal and interest payment, and 0.789 discount points ($5,523) due at closing.
- 15-year conventional fixed: 5.625% interest rate, 5.797% APR, $5,766.12 estimated monthly principal and interest payment, and 0.551 discount points ($3,857) due at closing.
Loaning.ai examples: The Loaning.ai figures shown are purchase estimates generated from the borrower and property details described above. The 30-year example is an FHA loan estimate. The 20-year and 15-year examples are Conventional Conforming loan estimates.
- 30-year FHA fixed: 5.750% interest rate, 5.805% APR, $4,446.15 estimated monthly payment, and 0.250 discount points ($1,750.00). The displayed payment includes estimated principal and interest, an amount associated with financed upfront mortgage insurance, and monthly Mortgage Insurance Premium (MIP).
- 20-year Conventional Conforming fixed: 5.750% interest rate, 5.902% APR, $4,914.58 estimated monthly principal and interest payment, and 0.875 discount points ($6,125.00). PMI was displayed as $0.00 in the estimate.
- 15-year Conventional Conforming fixed: 5.625% interest rate, 5.718% APR, $5,766.12 estimated monthly principal and interest payment, and 0.250 discount points ($1,750.00). PMI was displayed as $0.00 in the estimate.
The 30-year comparison involves different loan programs: Pennymac is shown as a conventional mortgage, while Loaning.ai is shown as an FHA mortgage. FHA financing generally includes upfront and annual mortgage insurance, so the rates, APRs, monthly payments, and upfront costs should not be interpreted as a like-for-like comparison of identical products.
The 20-year and 15-year examples are both shown as conventional loan options and are more directly comparable. However, the credit score, geographic input, lender pricing, fee calculations, and underwriting methods may still differ.
Discount points are estimated charges generally paid at closing in exchange for the displayed interest rate. One point equals 1% of the loan amount. The points and dollar amounts shown above represent estimated costs and should not be interpreted as cash back, a refund, a rebate, or a lender credit.
The interest rate and APR are different measures. The interest rate represents the cost of borrowing the principal, while the APR may also reflect discount points, mortgage insurance, and certain lender or loan charges.
Unless otherwise stated, the displayed monthly payments do not include property taxes, homeowners insurance, HOA dues, prepaid items, closing costs, or other housing-related expenses. The borrower’s actual monthly payment obligation may therefore be higher.
Actual rates, APRs, monthly payments, points, credits, mortgage insurance, fees, closing costs, and eligibility may vary based on market conditions, quote date and time, credit history, income, assets, debt obligations, property value, occupancy, property type, location, loan program, rate-lock period, escrow requirements, and final underwriting results.
Pennymac figures are based on the pricing displayed on July 12, 2026, at approximately 10:37 PM PDT. Loaning.ai figures are based on the estimates displayed when this comparison was prepared. Consumers should request and review official Loan Estimates before selecting a mortgage.
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What types of mortgage loans does Chase offer?
| Loan Product | Available Options | Key Qualification Requirements | Key Features |
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| Conventional Loans | Purchase and refinance Fixed-rate and adjustable-rate mortgages, including 15- and 30-year fixed terms, plus conventional cash-out refinance options |
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Available with fixed or adjustable interest rates. Private mortgage insurance may be required when the down payment is below 20%. Product availability and terms vary by borrower and property. |
| FHA Loans | Purchase and refinance Government-insured fixed-rate mortgages with 15-, 20-, 25- or 30-year terms; eligible refinance options may also be available |
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Government-insured financing with flexible credit and down payment standards. Upfront and annual mortgage insurance premiums generally apply. Eligible primary-residence buyers in select areas may qualify for a Chase Homebuyer Grant of $2,500 or $5,000. |
| VA Loans | Purchase and refinance VA purchase loans and eligible refinance options for qualified servicemembers, veterans and certain surviving spouses |
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Qualified borrowers may purchase with a low or 0% down payment. Monthly private mortgage insurance is generally not required. Eligibility restrictions and a VA funding fee may apply. |
| Jumbo Loans | Purchase and refinance Fixed-rate, adjustable-rate and certain interest-only options for primary residences, second homes and investment properties |
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Designed for loan amounts above applicable conforming loan limits. Chase advertises eligible jumbo financing of up to $9.5 million or up to 89.99% of the home’s value, subject to product and property restrictions. |
| Home Equity Line of Credit | Revolving home equity line of credit Chase offers HELOCs rather than fixed lump-sum home equity loans |
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Provides a revolving credit line secured by the borrower’s home without replacing the existing first mortgage. An origination fee is charged at closing, financed into the credit line and will not exceed 4.99% of the total credit limit. |
The information above summarizes selected mortgage and home equity products described in Chase materials. It is provided for general informational purposes only and is not a commitment to lend, an approval, a rate lock or a guarantee of available loan terms.
Minimum credit scores, down payments, income requirements, debt-to-income limits, reserves, eligible loan amounts and available products may vary based on loan purpose, borrower qualifications, property type, occupancy, location, automated underwriting findings and current program guidelines.
Chase Homebuyer Grant amounts, qualifying products and eligible geographic areas are subject to program requirements and change. Consumers should confirm current eligibility and terms with a Chase Home Lending Advisor before applying.
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Compare the lowest 30 year mortgage rates from the top 5 lenders
Get the lowest mortgage rates today! Compare rates from the top 5 lenders in United States, including WellsFargo and RocketMortgage.
* All rates are based on a $1,000,000 home price and a $700,000 loan amount.
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