Chase Mortgage vs. Guaranteed Rate Mortgage
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Mortgage
Chase
4.3
Big-bank mortgage with relationship rate discounts and in-branch support in all 50 states.
Full review →Guaranteed Rate Mortgage
Guaranteed Rate
4.3
Digital-first lender known for a transparent rate-lock guarantee and broad loan program coverage.
Full review →WealthSpott Verdict
Chase Mortgage and Guaranteed Rate Mortgage are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.
Feature
Chase Mortgage
Guaranteed Rate Mortgage
APR Range
6.50% – 8.20%
6.20% – 8.10% Best
Loan Amount
$100,000 – $5,000,000 Best
$100,000 – $4,000,000
Term Length
120–360 months
120–360 months
Origination Fee
Varies; relationship discounts up to 0.50%
Varies; typically 0.5%–1.5%
Min Credit Score
620+
620+
Funding Speed
30–45 days
21–30 days
Chase Mortgage
Guaranteed Rate Mortgage
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