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TD Bank vs. Wells Fargo mortgages

We compare TD Bank and Wells Fargo lending services.

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Britny Lawhorn
Updated
Fact checked

How do TD Bank and Wells Fargo compare?

TD Bank logo
Wells Fargo logo
  • Choose this lender for down payments as low as 3%
  • Choose another lender if you’re not on the East Coast
  • A good option for borrowers with an atypical schedule looking to sit down with a loan specialist
  • 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

Read review

Read review

Loans offered

  • Conventional
  • Refinance
  • Jumbo
  • HELOC
  • FHA
  • VA
  • USDA
  • Conventional
  • Refinance
  • Jumbo
  • HELOC
  • FHA
  • VA
  • USDA

Minimum credit score

Conventional: 620

Conventional: 600

States available

CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT

Available in all states

Pros

  • Online process
  • Low down payment programs
  • Guides and resources
  • Low down payment
  • Use gift funds
  • Easy application process

Cons

  • East Coast only
  • Online customer service limited
  • Unclear loan availability
  • Fees
  • Slow customer service

Customer reviews

TD Bank is accredited with the Better Business Bureau (BBB) and receives an A+ rating. The customer reviews on its BBB profile are sparse — slightly under 130 as of September 2019 — and what few are there average to barely over 1 out of 5 stars. Negative reviews focus on poor customer service, and complaints are overwhelmingly categorized as issues with product and service or billing and collections. Out of the more than 950 complaints lodged through the BBB, all have either been answered or resolved. In contrast to the poor ratings on its BBB profile, TD Bank received a 2019 award from J.D. Power for its retail banking customer satisfaction in the Southeast.
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 mortgage lenders

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.

1 - 9 of 9
Updated regularly
Name Product Loan products offered State availability Min. credit score ‎
Interfirst
(NMLS #7872)
Interfirst
Conventional
AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, IL, IN, KS, LA, MD, ME, MI, MN, MO, MS, NH, NM, OH, OK, OR, PA, RI, SD, TN, TX, UT, VA, WI, WV, WY
620
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Freedom Mortgage
(NMLS #2767)
Freedom Mortgage
Conventional, Jumbo, FHA, VA, USDA, Refinance
Available in all states
620
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A lender that excels in FHA and VA loans, offering low down payment options to borrowers.
Rocket Mortgage
(NMLS #3030)
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
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Streamline your mortgage from quote to final payment — all from your computer or phone.
AmeriSave
(NMLS #1168)
AmeriSave
Conventional, Jumbo, FHA, VA, USDA, Refinance
Not available in: NY
620
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833-426-1288
Great customer reviews and customized rate quotes in three minutes with no SSN needed.
Veterans United
(NMLS #1907)
Veterans United
Conventional, FHA, VA, USDA, Jumbo, Refinance
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620
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Veterans United stands out from other lenders for its focus on serving the military community.
SoFi
(NMLS #1121636)
SoFi
Conventional, Jumbo, Home equity, Refinance
Not available in: HI
620
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No hidden fees, multiple loan terms, and member discounts available.
Guaranteed Rate
(NMLS #2610)
Guaranteed Rate
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
620
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Find competitive rates and highly-rated customer service with this lender.
Morty
(NMLS #1429243)
Morty
Conventional, Jumbo
Not available in: AZ, HI, MA, MO, NV, UT
620
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Preapproval in minutes and closing in as little as 3 weeks with no origination fees.
LendingTree
(NMLS #1136)
LendingTree
HELOC, Home Equity loans
Available in all states
620
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