Chase Mortgage vs. SoFi Student Loan

Side-by-side comparison · Updated 2026 · Independently reviewed

Chase logo
Chase Mortgage
Chase
4.3

Big-bank mortgage with relationship rate discounts and in-branch support in all 50 states.

Full review →
SoFi logo
SoFi Student Loan
SoFi
4.5

APR 4.49–14.70%. No fees. Member benefits included.

Full review →
WealthSpott Verdict

Chase Mortgage wins on more measurable categories — particularly on rate and cost. SoFi Student Loan may still be the right fit depending on your loan amount and term needs.

Feature
Chase Mortgage
SoFi Student Loan
APR Range
6.50% – 8.20%
4.49% – 14.70% Best
Loan Amount
$100,000 – $5,000,000 Best
From $1,000
Term Length
120–360 months
60–180 months
Origination Fee
Varies; relationship discounts up to 0.50%
None
Min Credit Score
620+ Best
650+
Funding Speed
30–45 days
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Chase Mortgage
Full review
SoFi Student Loan
Pros
  • Competitive rates
  • Competitive rates
  • No fees
  • No fees
  • Member benefits
  • Member benefits
Cons
  • Requires cosigner for most
  • Requires cosigner for most
  • Good credit needed
  • Good credit needed
Full review

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