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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Friday, January 30, 2026 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.548%)
Points/ Credits$1,696
Payment$1,817
Save $52,518 over 30 years

Wells Fargo

Rate6.125% (APR=6.265%)
Points/ Credits$8,494
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 Friday, January 30, 2026 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate5.625% (APR=5.661%)
Points/ Credits$116
Payment$2,056
Save $17,202 over 30 years

Chase

Rate5.99% (APR=6.082%)
Points/ Credits$2,853
Payment$2,096
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 Friday, January 30, 2026 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate5.625% (APR=5.635%)
Points/ Credits$228
Payment$1,151
Save $30,298 over 30 years

Bank of America

Rate6.25% (APR=6.449%)
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 Friday, January 30, 2026 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate5.625% (APR=5.628%)
Points/ Credits$116
Payment$2,015
Save $19,987 over 30 years

Guaranteed Rate

Rate5.825% (APR=6.166%)
Points/ Credits$4,263
Payment$2,059
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 Friday, January 30, 2026 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.511%)
Points/ Credits$200
Payment$908
Save $21,000 over 30 years

Better.com

Rate5.99% (APR=6.185%)
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

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