LoanFactory LogoWE DARE YOU TO COMPARE

Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Wednesday, February 04, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.625% (APR=5.646%)
Points/ Credits$726
Payment$1,842
Save $46,605 over 30 years

Wells Fargo

Rate6.125% (APR=6.288%)
Points/ Credits$10,611
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, February 04, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.75% (APR=5.801%)
Points/ Credits$620
Payment$2,083
Save $7,788 over 30 years

Chase

Rate6% (APR=6.111%)
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, February 04, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.625% (APR=5.657%)
Points/ Credits$704
Payment$1,151
Save $29,822 over 30 years

Bank of America

Rate6.25% (APR=6.457%)
Points/ Credits$1,726
Payment$1,231
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, February 04, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.75% (APR=5.761%)
Points/ Credits$406
Payment$2,043
Save $13,553 over 30 years

Guaranteed Rate

Rate5.875% (APR=6.259%)
Points/ Credits$4,239
Payment$2,070
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, February 04, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.625% (APR=5.636%)
Points/ Credits$200
Payment$921
Save $16,320 over 30 years

Better.com

Rate5.99% (APR=6.203%)
Points/ Credits$3,200
Payment$958
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

We use cookies to ensure the most optimal browsing experience on our website. By visiting our site, you are agreeing to the use of these cookies.
READ MORE