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Better vs Wells Fargo
Side-by-side refinance comparison based on public data and CFPB records.
By Wirly Editorial Team | Last reviewed: May 2026 | AI-assisted, human-reviewed
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Quick Comparison
| Feature | Better | Wells Fargo |
|---|---|---|
| Wirly Rating | 4.3/5 | 3.9/5 |
| Min. Credit Score | 620 | 620 |
| Loan Types | Conventional, FHA, Jumbo | Conventional, FHA, VA, Jumbo |
| Best For | Low fees | In-person service |
CFPB complaint figures reflect 2024 data. Lender profiles last reviewed May 2026.
At a Glance
Wirly Rating
Min. Credit Score
Loan Types Offered
Pros and Cons
Better
Pros
- +No origination fees or lender commissions
- +Transparent pricing with real-time rate quotes
- +Fast closing timeline in eligible markets
Cons
- -No VA loans
- -Limited physical locations for in-person support
- -Customer service can be inconsistent during high volume
Wells Fargo
Pros
- +Large branch network for face-to-face support
- +Closing cost assistance programs available
- +Wide range of conventional and government loan products
Cons
- -Online application experience lags behind digital-first lenders
- -Past regulatory issues may concern some borrowers
- -Rates may not be the most competitive for all profiles
How we compare lenders
Wirly compares lenders using public HMDA lending data, CFPB complaint records, published rate and fee disclosures, and editorial review. Rankings and ratings stay independent of advertising relationships. Read our full ranking methodology for details.
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This comparison is for educational purposes only and does not constitute financial advice. Rankings reflect publicly available data and editorial evaluation. Wirly is not a lender or mortgage broker. See our methodology.