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Wells Fargo Refinance Review
By the Wirly Editorial Team | AI-assisted, human-reviewed
Key Statistics
Total Originations
15,273
HMDA 2023
Avg Loan Amount
$0
National average
Denial Rate
0%
National average
States Active
1
With HMDA filings
At a Glance
Min Credit Score
620
Loan Types
Conventional, FHA, VA, Jumbo
Notable Features
- Extensive branch network
- Closing cost credits for existing customers
- Dedicated mortgage consultants
HMDA Lending Data
Top states by refinance origination volume. Source: HMDA 2023
| State | Originations |
|---|---|
| CA | 15,273 |
Pros and Cons
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
Frequently Asked Questions
Is Wells Fargo good for refinancing?
Wells Fargo is rated 3.9/5 on Wirly and is best suited for borrowers looking for in-person service. They processed 15,273 refinance originations nationally in 2023, according to HMDA data.
What credit score do I need for Wells Fargo?
Wells Fargo requires a minimum credit score of 620 for mortgage refinancing. However, better rates are typically available for borrowers with scores of 740 or higher.
What loan types does Wells Fargo offer?
Wells Fargo offers Conventional, FHA, VA, Jumbo refinance loans. VA loans are available for eligible military members and veterans.
What is Wells Fargo's denial rate?
Wells Fargo's national refinance denial rate is 0%, based on 2023 HMDA data. Denial rates vary by state and borrower profile.
How does Wells Fargo handle complaints?
CFPB complaint data for Wells Fargo can be found on the Consumer Financial Protection Bureau's complaint database.
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This review is for educational purposes only and does not constitute financial advice. HMDA data sourced from the CFPB. Complaint data from the CFPB Consumer Complaint Database. Wirly is not a lender or mortgage broker. See our methodology.