Wells Fargo accepts a lower minimum credit score (600 vs. 620) and allows 3% down with gift funds accepted, giving it a slight edge for buyers with limited savings.
Both lenders have strong BBB ratings but dismal customer satisfaction scores — PNC averages 1/5 stars and Wells Fargo 1.07/5 on BBB, driven by service and fee complaints.
PNC is the stronger choice for commercial real estate; Wells Fargo’s streamlined application and low down payment options better suit standard home purchases.
This summary was generated by AI and may contain errors or omissions.
How do PNC Bank and Wells Fargo compare?
Choose this lender for low down payment options
Watch out for poor customer service
A good option for commercial real estate loans
Choose this lender for down payments as low as 3%
Watch out for hidden fees and scandals
A good option for borrowers who want to automate their payments
PNC isn't credited with the Better Business Bureau (BBB), but receives an A- rating from it as of September 2019. On average, customers give PNC a low 1 out of 5 stars on the BBB site.
Of the over 1,500 complaints on the BBB website, only two are unanswered and one is unresolved. Many customers report having issues with customer service, unexpected fees and poorly handled fraud cases.
Reviews for this lender are mixed, but trend toward negative. First-time homebuyers recommend Wells Fargo for its thorough guidance through the home loan process. Other borrowers praise its mortgage specialists for their professionalism and helpful advice over the phone.
Of the complaints, the most frequent was of customer service's slow response time and the excessive documents needed to assess loan applications.
As of February 2022, Trustpilot gives Wells Fargo a rating of 1.3 out of 5 stars based on 674 ratings. The Better Business Bureau doesn’t give Wells Fargo a rating, but it gets a customer score of 1.07 out of 5 stars based on 505 reviews, and the BBB has recorded over 1,712 complaints closed in the last year alone.
Compare top brands by home loan type, state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.
Disclaimer: The partners on Finder's mortgage comparison tables are sorted in alphabetical order.
A top lender of FHA and VA loans, but customer reviews are very mixed.
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