Chase Mortgage vs. LightStream Personal Loan
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 →
WealthSpott Verdict
Chase Mortgage wins on more measurable categories — particularly on rate and cost. LightStream Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
Chase Mortgage
LightStream Personal Loan
APR Range
6.50% – 8.20% Best
7.99% – 25.99%
Loan Amount
$100,000 – $5,000,000 Best
$5,000 – $100,000
Term Length
120–360 months
24–84 months
Origination Fee
Varies; relationship discounts up to 0.50%
None
Min Credit Score
620+ Best
660+
Funding Speed
30–45 days
Same day
Chase Mortgage
LightStream Personal Loan
Pros
- Low APR for qualified borrowers
- Low APR for qualified borrowers
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Higher credit required
- Higher credit required
- No prequalification
- No prequalification
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