Chase Mortgage Refinance review

Chase is the strongest of the large banks for a refinance with human help. Its refinance rates page showed a 30-year fixed example at 6.750% with a 6.970% APR on a $350,000 loan in Chicago ZIP code 60629, with 2.214 discount points, at 10:27 AM ET on Nov 13, 2026. You can start with no impact to your credit score, and a Home Lending Advisor works with you through closing. Cash-out refinancing covers home upgrades and debt consolidation. Chase services more than 3 million mortgages and cites a JD Power 2026 ranking as the No. 1 mortgage servicer for customer satisfaction. The example rate relies on more than 2 points, so compare it with U.S. Bank's no-point example on APR, not on headline rate. Chase's own guide puts typical closing costs at about 2% to 6% of the loan amount.

Who it is for

homeowners who want a big bank with in-person advisors

Price

30-year fixed refinance example 6.750% (6.970% APR) with 2.214 points on $350,000, as of Nov 13, 2026.

6.750% Interest rate 6.970% APR These example refinance results are based on a $350,000 loan using a 30-year fixed rate conventional loan for ZIP code 60629 with 2.214 discount points.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• 30-year fixed refinance example at 6.750% with a 6.970% APR on a $350,000 loan
• Start a refinance with no impact to your credit score
• Home Lending Advisor assigned to guide each step
• Cash-out refinance to pay for upgrades or consolidate debt
• Refinance calculator with a monthly savings breakdown

Strengths and weaknesses

• Strength: Posted 30-year refinance APR of 6.970% sits below Rocket's 7.197%
• Strength: Chase cites a JD Power 2026 ranking as No. 1 mortgage servicer for customer satisfaction
• Strength: Services more than 3 million mortgages
• Weakness: Its rate example includes 2.214 discount points
• Weakness: Example rates are for a single Chicago ZIP code, not your area
• Weakness: Chase says closing costs usually run about 2% to 6% of the loan amount

Key facts

• 30-year refinance example: 6.750% rate, 6.970% APR
• Points in example: 2.214
• Credit impact to start: None
• Mortgages serviced: More than 3 million

Where it ranks

Chase Mortgage Refinance is No. 4 in our Best Mortgage Refinance Lenders verdict.