A loan originator currently at US Bank reports having offers from both Wells Fargo and Chase, and is leaning towards Wells Fargo due to its 'unparalleled' relationship-based pricing.

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    "name": "Wells Fargo",
    "domain": "wellsfargo.com"
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    "summary": "A loan originator currently at US Bank reports having offers from both Wells Fargo and Chase, and is leaning towards Wells Fargo due to its 'unparalleled' relationship-based pricing.",
    "category": "Mortgage Origination Platform",
    "comments": [
      {
        "url": "https://www.reddit.com/r/loanoriginators/comments/1wwviql/comment/pdo77km/",
        "depth": 0,
        "score": 10,
        "author": "Braindead_ape",
        "excerpt": "in my opinion if her products are mostly high balance and jumbo with a lot of ARMs, moving to the broker side may not be the move (which is what I’d otherwise often recommend for someone self gen). The wholesale side just doesn’t have a whole lot of super competitive options when it comes to jumbo and ARMs. Jumbo and ARMs are two areas that the bigger banks and some CUs tend to be really aggressiv",
        "posted_at": "2026-10-03T19:46:45.000Z",
        "author_url": "https://www.reddit.com/user/Braindead_ape/"
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      {
        "url": "https://www.reddit.com/r/loanoriginators/comments/1wwviql/comment/pdo1io6/",
        "depth": 0,
        "score": 8,
        "author": "Frequent-Giraffe5646",
        "excerpt": "If she’s self gen I’d recommend broker that has their ops built out.",
        "posted_at": "2026-10-03T19:20:51.000Z",
        "author_url": "https://www.reddit.com/user/Frequent-Giraffe5646/"
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      {
        "url": "https://www.reddit.com/r/loanoriginators/comments/1wwviql/comment/pdqtg9t/",
        "depth": 0,
        "score": 4,
        "author": "Defiant_Television97",
        "excerpt": "You have to stay on the bank/credit union side for jumbo. People saying go broker are idiots if that is your book of business. The issue is most banks/credit unions on the jumbo side go in and out of the market. US Bank hasn’t had great jumbo rates for a long time though.",
        "posted_at": "2026-10-04T04:12:24.000Z",
        "author_url": "https://www.reddit.com/user/Defiant_Television97/"
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      {
        "url": "https://www.reddit.com/r/loanoriginators/comments/1wwviql/comment/pdo1skm/",
        "depth": 0,
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        "author": "Long-Country2185",
        "excerpt": "Are you licensed independently? What state are you in?",
        "posted_at": "2026-10-03T19:22:03.000Z",
        "author_url": "https://www.reddit.com/user/Long-Country2185/"
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      {
        "url": "https://www.reddit.com/r/loanoriginators/comments/1wwviql/comment/pdohzjb/",
        "depth": 0,
        "score": 2,
        "author": "MLObull",
        "excerpt": "If they are not providing her with leads, and there not even competitive on rates, why would she ever stay there? The market sucks right now. But any time I had any of my borrowers inform me they have a competing LE from US Bank, I knew with 100% certainty I was winning that deal. Not just rates, but cost too.",
        "posted_at": "2026-10-03T20:35:20.000Z",
        "author_url": "https://www.reddit.com/user/MLObull/"
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      {
        "url": "https://www.reddit.com/r/loanoriginators/comments/1wwviql/comment/pdp619t/",
        "depth": 0,
        "score": 2,
        "author": "46995699",
        "excerpt": "Interesting, ive been hearing US Bank has the best HELOC offer out there.",
        "posted_at": "2026-10-03T22:30:44.000Z",
        "author_url": "https://www.reddit.com/user/46995699/"
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        "url": "https://www.reddit.com/r/loanoriginators/comments/1wwviql/comment/pdoagkv/",
        "depth": 0,
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        "author": "SalamiLamiTate",
        "excerpt": "I used to have such a hard time competing against US Bank but I haven't had a competing estimate from them in a while that was lower than on the broker side. I get killed by Citibank but their guidelines and general Loan Officers are so bad that they take themselves out of the running",
        "posted_at": "2026-10-03T20:01:30.000Z",
        "author_url": "https://www.reddit.com/user/SalamiLamiTate/"
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        "url": "https://www.reddit.com/r/loanoriginators/comments/1wwviql/comment/pdo1s2t/",
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        "author": "tripleputt",
        "excerpt": "Self gen originators should go broker IMO",
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        "author_url": "https://www.reddit.com/user/tripleputt/"
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    "evidence": [
      "[comment u/Due_Letterhead_456] I am is US Bank too, have offers from Chase and Wells. Leaning towards Wells, their relationship based pricing is unparalleled."
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    "post_date": "2026-10-03T19:19:47.000Z",
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    "post_text": "For friend of mine. Where should she look? Broker? Us bank not competing on rates like they should. Bloated overhead, management pressure to originate more deals at uncompetitive rates. All self sourced business in WA. Anywhere in particular she should look? Her core mix is high bal and jumbo FR and ARMs as we’re in VHCOL area. Shes losing 80%+ of her deals per month with US Bank rates for ARM, 2-1 bd, fixed, all uncompetitive.",
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    "post_title": "Lender at US Bank ready to jump ship.",
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        "name": "US Bank",
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        "domain": "jpmorgan.com"
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