Wells Fargo (directly through a branch) Can be conservitive.
Wells Fargo Dealer Services (Can only apply through a participating dealer) is a full spectrum lending. They handle everything from subprime to A+ perfect credit. They are great people to work with and if your situation isn't perfect they will try to find a way to put a deal together for you.
They have an actual person who is based on one of over 50 local offices looking at your loan, not some computer.
Starting Score: 650