Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Thursday, April 02 2026 at 4:50 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 5.875% (APR=5.894%) | 6.375% (APR=6.516%) |
| Points / Credits | $662 | $10,145 |
| Payment | $1,893 | $1,996 |
| Saving over 30 years | $46,563 | $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 Thursday, April 02 2026 at 4:50 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6% (APR=6.045%) | 6.375% (APR=6.45%) |
| Points / Credits | $359 | $2,853 |
| Payment | $2,139 | $2,184 |
| Saving over 30 years | $18,528 | $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 Thursday, April 02 2026 at 4:50 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.875% (APR=5.906%) | 6% (APR=6.121%) |
| Points / Credits | $1,494 | $1,125 |
| Payment | $2,662 | $2,698 |
| Saving over 30 years | $12,591 | $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 Thursday, April 02 2026 at 4:50 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 5.875% (APR=5.887%) | 6.5% (APR=6.734%) |
| Points / Credits | $250 | $1,726 |
| Payment | $1,183 | $1,264 |
| Saving over 30 years | $30,636 | $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 Thursday, April 02 2026 at 4:50 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 5.875% (APR=5.906%) | 6.1% (APR=6.452%) |
| Points / Credits | $1,162 | $4,347 |
| Payment | $2,070 | $2,121 |
| Saving over 30 years | $21,545 | $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 Thursday, April 02 2026 at 4:50 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.75% (APR=5.796%) | 6.125% (APR=6.342%) |
| Points / Credits | $800 | $3,200 |
| Payment | $934 | $972 |
| Saving over 30 years | $16,080 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)