Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Wednesday, April 08 2026 at 9:50 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 5.75% (APR=5.784%) | 6.25% (APR=6.402%) |
| Points / Credits | $1,187 | $10,129 |
| Payment | $1,867 | $1,970 |
| Saving over 30 years | $46,022 | $0 |
(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, April 08 2026 at 9:50 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 5.75% (APR=5.809%) | 6% (APR=6.114%) |
| Points / Credits | $1,299 | $2,853 |
| Payment | $2,072 | $2,098 |
| Saving over 30 years | $11,069 | $0 |
(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 Wednesday, April 08 2026 at 9:50 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.75% (APR=5.784%) | 5.625% (APR=5.755%) |
| Points / Credits | $1,670 | $1,125 |
| Payment | $2,626 | $2,590 |
| Saving over 30 years | $0 | $0 |
(Assumptions: Purchase price: $600,000. Loan amount: $450,000. ZIP code: 90001, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Bank of America
Rates as of Wednesday, April 08 2026 at 9:50 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 5.75% (APR=5.761%) | 6.5% (APR=6.713%) |
| Points / Credits | $242 | $1,726 |
| Payment | $1,167 | $1,264 |
| Saving over 30 years | $36,404 | $0 |
(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, April 08 2026 at 9:50 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 5.75% (APR=5.784%) | 5.99% (APR=6.314%) |
| Points / Credits | $1,299 | $4,081 |
| Payment | $2,043 | $2,096 |
| Saving over 30 years | $21,862 | $0 |
(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, April 08 2026 at 9:50 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.75% (APR=5.757%) | 6% (APR=6.205%) |
| Points / Credits | $114 | $3,200 |
| Payment | $934 | $959 |
| Saving over 30 years | $12,086 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)