Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Monday, February 23 2026 at 1:50 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 5.375% (APR=5.412%) | 6% (APR=6.151%) |
| Points / Credits | $1,325 | $9,237 |
| Payment | $1,792 | $1,919 |
| Saving over 30 years | $53,632 | $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 Monday, February 23 2026 at 1:50 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 5.375% (APR=5.455%) | 5.875% (APR=5.955%) |
| Points / Credits | $1,853 | $2,853 |
| Payment | $2,001 | $2,070 |
| Saving over 30 years | $25,977 | $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 Friday, August 22 2025 at 1:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.75% (APR=5.785%) | 6.375% (APR=6.566%) |
| Points / Credits | $563 | $1,125 |
| Payment | $875 | $936 |
| Saving over 30 years | $22,522 | $0 |
(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 Monday, February 23 2026 at 1:50 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 5.375% (APR=5.386%) | 6% (APR=6.229%) |
| Points / Credits | $250 | $1,726 |
| Payment | $1,120 | $1,199 |
| Saving over 30 years | $29,916 | $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 Monday, February 23 2026 at 1:50 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 5.375% (APR=5.424%) | 5.625% (APR=5.92%) |
| Points / Credits | $1,887 | $3,990 |
| Payment | $1,960 | $2,015 |
| Saving over 30 years | $21,903 | $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 Monday, February 23 2026 at 1:50 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.25% (APR=5.295%) | 5.75% (APR=5.939%) |
| Points / Credits | $800 | $3,200 |
| Payment | $884 | $934 |
| Saving over 30 years | $20,400 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)