Both lenders offer the same loan types nationwide — conventional, FHA, VA, USDA, jumbo, and HELOC — so the decision comes down to rate, service, and branch access.
Wells Fargo accepts a slightly lower credit score (600 vs. 620) and allows gift funds for the down payment, giving first-time buyers a small edge.
Wells Fargo’s Trustpilot rating is just 1.3/5 across hundreds of reviews, with consistent complaints about slow service and excessive documentation requests.
US Bank earns higher marks for branch access and online prequalification, though its reviews range widely — from highly satisfied to deeply critical.
This summary was generated by AI and may contain errors or omissions.
How do U.S. Bank and Wells Fargo compare?
Choose this lender if you want branches for in-person help
Watch out for poor customer service
A good option for existing customers who want to all of their accounts at one bank
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
The handful of reviews for U.S. Bank on TrustPilot are all over the place, from some calling it a "scam" to others giving the lender 5 stars, praising its "fantastic help." U.S. Bank is accredited with the BBB and gets a B+ rating from the organization. However, you'll find plenty of 1 star reviews from customers.
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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