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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Friday, October 31, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.625% (APR=5.633%)
Points/ Credits$266
Payment$1,842
Save $54,764 over 30 years

Wells Fargo

Rate6.25% (APR=6.403%)
Points/ Credits$8,950
Payment$1,970
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, October 31, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.581%)
Points/ Credits$1,855
Payment$2,028
Save $26,353 over 30 years

Chase

Rate6% (APR=6.114%)
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
Rate5.875% (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 Friday, October 31, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.527%)
Points/ Credits$595
Payment$1,136
Save $23,811 over 30 years

Bank of America

Rate6% (APR=6.232%)
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 Friday, October 31, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.54%)
Points/ Credits$1,554
Payment$1,987
Save $34,410 over 30 years

Guaranteed Rate

Rate5.9% (APR=6.174%)
Points/ Credits$3,924
Payment$2,076
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, October 31, 2025 - 2:01 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.527%)
Points/ Credits$476
Payment$908
Save $16,404 over 30 years

Better.com

Rate5.875% (APR=6.09%)
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

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