Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Thursday, April 09 2026 at 2:50 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 5.75% (APR=5.79%) | 6.25% (APR=6.415%) |
| Points / Credits | $1,387 | $10,529 |
| Payment | $1,867 | $1,970 |
| Saving over 30 years | $46,222 | $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 09 2026 at 2:50 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 5.75% (APR=5.825%) | 6.25% (APR=6.342%) |
| Points / Credits | $1,517 | $2,853 |
| Payment | $2,083 | $2,155 |
| Saving over 30 years | $27,260 | $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 09 2026 at 2:50 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.75% (APR=5.792%) | 5.875% (APR=5.971%) |
| Points / Credits | $2,036 | $1,125 |
| Payment | $2,626 | $2,662 |
| Saving over 30 years | $12,049 | $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 09 2026 at 2:50 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 5.75% (APR=5.76%) | 6.5% (APR=6.712%) |
| Points / Credits | $227 | $1,726 |
| Payment | $1,167 | $1,264 |
| Saving over 30 years | $36,419 | $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 09 2026 at 2:50 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 5.75% (APR=5.794%) | 5.99% (APR=6.32%) |
| Points / Credits | $1,666 | $4,214 |
| Payment | $2,043 | $2,096 |
| Saving over 30 years | $21,628 | $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 09 2026 at 2:50 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.75% (APR=5.75%) | 6.125% (APR=6.295%) |
| Points / Credits | $0 | $3,200 |
| Payment | $934 | $972 |
| Saving over 30 years | $16,880 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)