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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Wednesday, January 07, 2026 - 11:00 AM (Pacific Time)

Loan Factory Logo
Rate5.625% (APR=5.641%)
Points/ Credits$550
Payment$1,842
Save $46,246 over 30 years

Wells Fargo

Rate6.125% (APR=6.276%)
Points/ Credits$10,076
Payment$1,944
Save $0 over 30 years

Assumptions: Purchase price: $400,000. Loan amount: $320,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Chase

Rates as of Wednesday, January 07, 2026 - 11:00 AM (Pacific Time)

Loan Factory Logo
Rate5.625% (APR=5.693%)
Points/ Credits$1,322
Payment$2,056
Save $16,806 over 30 years

Chase

Rate6% (APR=6.094%)
Points/ Credits$2,853
Payment$2,098
Save $0 over 30 years

Assumptions: Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Citibank

Rates as of Friday, August 22, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.75% (APR=5.785%)
Points/ Credits$563
Payment$875
Save $22,522 over 30 years

Citibank

Rate6.375% (APR=6.566%)
Points/ Credits$1,125
Payment$936
Save $0 over 30 years

Assumptions: Purchase price: $200,000. Loan amount: $150,000. ZIP code: 90001, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Bank of America

Rates as of Wednesday, January 07, 2026 - 11:00 AM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.51%)
Points/ Credits$225
Payment$1,136
Save $29,941 over 30 years

Bank of America

Rate6.125% (APR=6.333%)
Points/ Credits$1,726
Payment$1,215
Save $0 over 30 years

Assumptions: Purchase price: $250,000. Loan amount: $200,000. ZIP code: 95464, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Guaranteed Rate

Rates as of Wednesday, January 07, 2026 - 11:01 AM (Pacific Time)

Loan Factory Logo
Rate5.625% (APR=5.652%)
Points/ Credits$1,040
Payment$2,015
Save $18,818 over 30 years

Guaranteed Rate

Rate5.825% (APR=6.195%)
Points/ Credits$4,018
Payment$2,059
Save $0 over 30 years

Assumptions: Purchase price: $437,500. Loan amount: $350,000. ZIP code: 60666, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Better.com

Rates as of Wednesday, January 07, 2026 - 11:01 AM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.51%)
Points/ Credits$180
Payment$908
Save $16,700 over 30 years

Better.com

Rate5.875% (APR=6.052%)
Points/ Credits$3,200
Payment$946
Save $0 over 30 years

Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit: 760+. Single Family Residence. Primary Residence. 30-day lock

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