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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Wednesday, April 01, 2026 - 11:50 AM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.906%)
Points/ Credits$1,078
Payment$1,893
Save $46,947 over 30 years

Wells Fargo

Rate6.375% (APR=6.541%)
Points/ Credits$10,945
Payment$1,996
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, April 01, 2026 - 11:50 AM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6.052%)
Points/ Credits$585
Payment$2,139
Save $18,302 over 30 years

Chase

Rate6.375% (APR=6.463%)
Points/ Credits$2,853
Payment$2,184
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 Wednesday, April 01, 2026 - 11:50 AM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.918%)
Points/ Credits$2,079
Payment$2,662
Save $12,006 over 30 years

Citibank

Rate6% (APR=6.109%)
Points/ Credits$1,125
Payment$2,698
Save $0 over 30 years

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 01, 2026 - 11:50 AM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.898%)
Points/ Credits$500
Payment$1,183
Save $30,386 over 30 years

Bank of America

Rate6.5% (APR=6.738%)
Points/ Credits$1,726
Payment$1,264
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, April 01, 2026 - 11:50 AM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.918%)
Points/ Credits$1,617
Payment$2,070
Save $23,121 over 30 years

Guaranteed Rate

Rate6.125% (APR=6.472%)
Points/ Credits$4,218
Payment$2,127
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, April 01, 2026 - 11:50 AM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.875%)
Points/ Credits$0
Payment$946
Save $17,240 over 30 years

Better.com

Rate6.25% (APR=6.424%)
Points/ Credits$3,200
Payment$985
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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