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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Monday, January 12, 2026 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.375% (APR=5.411%)
Points/ Credits$1,290
Payment$1,792
Save $53,870 over 30 years

Wells Fargo

Rate6% (APR=6.138%)
Points/ Credits$9,440
Payment$1,919
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 Monday, January 12, 2026 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.547%)
Points/ Credits$578
Payment$2,028
Save $17,532 over 30 years

Chase

Rate5.875% (APR=5.967%)
Points/ Credits$2,853
Payment$2,070
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 Monday, January 12, 2026 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.25% (APR=5.289%)
Points/ Credits$868
Payment$1,104
Save $35,058 over 30 years

Bank of America

Rate6% (APR=6.223%)
Points/ Credits$1,726
Payment$1,199
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 Monday, January 12, 2026 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.375% (APR=5.423%)
Points/ Credits$1,848
Payment$1,960
Save $22,121 over 30 years

Guaranteed Rate

Rate5.625% (APR=5.99%)
Points/ Credits$4,169
Payment$2,015
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 Monday, January 12, 2026 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.25% (APR=5.289%)
Points/ Credits$695
Payment$884
Save $20,505 over 30 years

Better.com

Rate5.75% (APR=5.958%)
Points/ Credits$3,200
Payment$934
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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