Wells Fargo Mortgage has its roots in Wells Fargo Bank. Wells Fargo is a large financial institution, which services a variety of corporate and personal financial needs.

The Wells Fargo website states: "Wells Fargo (NYSE: WFC) is a diversified financial services company - providing banking, insurance, investments, mortgage and consumer finance from 6,000+ stores, the internet and other distribution channels across North America and elsewhere internationally.

We're headquartered in San Francisco, but we're decentralized so every local Wells Fargo store is a headquarters for satisfying all our customers' financial needs and helping them succeed financially. … We are one of the United States' top-40 largest private employers. We ranked fourth in assets and fourth in market value of our stock at June 30, 2004, among our peers."

As a large player in the market, the biggest concern for the consumer is that Wells Fargo values your business. Be sure to check out consumer feedback on any lender, as this is key to your happy relationship with them. Also be sure to compare quotes so that you get the best interest rate for your mortgage and your credit situation.

Don't discount small lenders out of hand. While Wells Fargo will be a very stable lender (and this counts for a lot) a small lender may cater to your needs and be more flexible. Shop around.