LoanFactory LogoWE DARE YOU TO COMPARE

Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Monday, January 26, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.625% (APR=5.63%)
Points/ Credits$174
Payment$1,842
Save $45,255 over 30 years

Wells Fargo

Rate6.125% (APR=6.265%)
Points/ Credits$8,709
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 Monday, January 26, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.58%)
Points/ Credits$1,838
Payment$2,028
Save $25,560 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
Rate5.875% (APR=5.906%)
Points/ Credits$495
Payment$887
Save $18,270 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 26, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.375% (APR=5.426%)
Points/ Credits$1,134
Payment$1,120
Save $40,552 over 30 years

Bank of America

Rate6.25% (APR=6.468%)
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 Monday, January 26, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.548%)
Points/ Credits$1,838
Payment$1,987
Save $28,076 over 30 years

Guaranteed Rate

Rate5.825% (APR=6.109%)
Points/ Credits$3,994
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 Monday, January 26, 2026 - 11:51 AM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.528%)
Points/ Credits$498
Payment$908
Save $16,382 over 30 years

Better.com

Rate5.875% (APR=6.057%)
Points/ Credits$3,200
Payment$946
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