Advertiser Disclosure: Wirly may receive compensation when you click lender links. This does not affect our rankings, which are based on publicly available data and editorial review. See our methodology.
Guaranteed Rate vs Wells Fargo
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | Guaranteed Rate | Wells Fargo |
|---|---|---|
| Wirly Rating | 4.3/5 | 3.9/5 |
| Min. Credit Score | 620 | 620 |
| Loan Types | Conventional, FHA, VA, Jumbo, USDA | Conventional, FHA, VA, Jumbo |
| Best For | Wide loan selection | In-person service |
Pros and Cons
Guaranteed Rate
Pros
- +Extensive loan product menu including niche options
- +Both digital and in-person support available
- +Competitive rates with rate lock flexibility
Cons
- -Origination fees vary by market and loan type
- -Online reviews cite occasional processing delays
- -Not available in all states for all products
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
Ready to see your numbers?
Use our free calculators to see exactly how much you could save with either lender.
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.