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U.S. Bank vs. Wells Fargo mortgages

Both home loan lenders are available nationwide, but one is better if you live in a rural area.

How do U.S. Bank and Wells Fargo compare?

U.S. Bank logo
Wells Fargo logo
  • 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

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

Available in all states

Available in all states

Pros

  • Wide range of home loans
  • Award-winning bank
  • Online prequalification
  • Low down payment
  • Use gift funds
  • Easy application process

Cons

  • Fees
  • Fees
  • Slow customer service

Customer reviews

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 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.

Disclaimer: The partners on Finder's mortgage comparison tables are sorted in alphabetical order.

1 - 2 of 2
Updated regularly
Name Product Loan products offered State availability Min. credit score ‎
Rocket Mortgage
Not rated yet
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
620
See rates
(888) 329-4989
Apply online for free and lock in your rate for 90 days.
Veterans United
Not rated yet
Veterans United
Conventional, FHA, VA, USDA, Jumbo, Refinance
Available in all states
620
See rates
More Info
Veterans United stands out from other lenders for its focus on serving the military community.
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