Chase Mortgage Servicing
JPMorgan Chase is the largest bank in the United States and one of the top mortgage servicers by volume. Chase services a diverse portfolio of GSE, FHA, VA, and portfolio loans through its consumer ba…
Portfolio Size
$400+ billion servicing portfolio (top 5 bank servicer)
Customer Service
800-848-9136
Loss Mitigation
888-356-0023
Website
Chase.comLoss Mitigation Programs
Chase offers the following loss mitigation programs. Availability depends on your loan type (FHA, VA, USDA, GSE conventional) and investor guidelines. Not all programs are available for all loans.
Servicing Practices
- Integrated with Chase consumer banking platform (single sign-on for banking + mortgage)
- Extensive branch network for in-person servicing inquiries
- Dedicated Chase Home Lending division for servicing and loss mitigation
- Advanced online servicing portal (Chase.com)
- Mobile app with integrated mortgage management
- Large in-house compliance department
Foreclosure Timeline
Chase generally follows GSE/FHA timelines (120+ days to referral). However, Chase's post-National Mortgage Settlement compliance infrastructure has resulted in more deliberate foreclosure processing — more documentation, more internal reviews — which can mean longer timelines than non-bank specialty servicers. In non-judicial states, Chase foreclosures typically complete in 120-200 days from referral. In judicial states, timelines vary by jurisdiction. Chase has consent order obligations that require specific procedures before foreclosure.
Consumer Complaint Patterns
Chase consistently ranks among the top CFPB complaint recipients, though this is partly a function of its size (the #1 bank by assets). Common categories: struggling to pay mortgage, loan modification application process, escrow account handling, and payment processing. Chase's complaint resolution rate is generally better than non-bank servicers — the bank has invested in complaint response infrastructure. However, the sheer volume (driven by portfolio size) means individual borrowers can still face significant delays.
Regulatory Actions & Enforcement
Chase was a party to the National Mortgage Settlement (2012) and Independent Foreclosure Review. The CFPB has issued multiple consent orders against Chase related to: credit card practices (not mortgage-specific), mortgage servicing deficiencies, and fair lending violations. In 2015, Chase settled CFPB charges related to illegal credit card debt collection practices. In mortgage servicing, CFPB supervisory examinations have resulted in MRAs that Chase has generally resolved.
Homeowner Tips for Working with Chase
1. Use Chase's branch network — you can make an in-person appointment with a Chase Home Lending advisor who can access your servicing file. 2. Chase's loss mitigation department (888-356-0023) is separate from general customer service and more knowledgeable. 3. Chase's online portal allows document upload with tracking — use this for submission, but also retain certified mail copies. 4. If your loan is a Chase portfolio loan (Chase originated and holds it, not Fannie/Freddie/FHA), Chase has more flexibility on modification terms — ask specifically about portfolio modification options. 5. Chase's compliance infrastructure means documented RESPA/TILA violations are more likely to be taken seriously at the compliance level.
How Professional Law Assist Helps with Chase Foreclosures
Chase's size means systemic issues can affect individual borrowers despite generally robust compliance infrastructure. We audit servicing files, identify RESPA/TILA violations, escalate to Chase's legal and compliance departments, and ensure proper processing of loss mitigation applications. Chase's post-settlement compliance posture makes documented violations particularly effective leverage.
Get a Free Case Review →Frequently Asked Questions — Chase
Does Chase still do foreclosures?▼
What's the difference between a Chase portfolio loan and a Chase-serviced GSE loan?▼
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