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SoFi vs Wells Fargo
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | SoFi | Wells Fargo |
|---|---|---|
| Wirly Rating | 4.4/5 | 3.9/5 |
| Min. Credit Score | 600 | 620 |
| Loan Types | Conventional, Jumbo | Conventional, FHA, VA, Jumbo |
| Best For | High-balance loans | In-person service |
Pros and Cons
SoFi
Pros
- +No origination, application, or appraisal fees
- +Competitive rates for well-qualified borrowers
- +Unemployment forbearance program for members
Cons
- -No FHA, VA, or USDA loans
- -Higher minimum credit score than some competitors
- -Limited loan product variety
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.