Wells Fargo NMLS #399801
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Who is Wells Fargo?
Wells Fargo (NMLS #399801) is a lender or broker listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerWells Fargo
- NMLS #399801
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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Reported application outcomes and pricing, 2025
- 2025 home loan decisionsOf 53,631 applications decided by Wells Fargo Bank, National Association in 2025, 41,562 were originated, 171 were approved but not accepted by the borrower, and 11,898 were denied.
- Median rate spreadNot computed — no median is published for this lender.
That is an approval rate of 77.8%. Withdrawn, incomplete and purchased loans are not counted here and are not part of that rate.
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Evidence read 2026-10-10T20:58:22+00:00
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Wells Fargo Bank, National Association — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About Wells Fargo
Overview
Wells Fargo is a mortgage lender. The company operates under federal oversight from the Office of the Comptroller of the Currency.
Company details and licensing
The legal entity is Wells Fargo Bank, National Association, headquartered at 3201 N. 4th Avenue, Sioux Falls, South Dakota 57104. Its NMLS company ID is 399801. Licensing is verifiable through NMLS Consumer Access.
Frequently Asked Questions
What is Wells Fargo's NMLS number?
Wells Fargo's NMLS number is 399801. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Wells Fargo's NMLS ID?
Yes. We checked Wells Fargo's company name and NMLS ID against the NMLS record on February 12, 2026. They've been in our lender network since March 2011. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Wells Fargo?
This page has Wells Fargo's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.