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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Friday, March 20, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.537%)
Points/ Credits$1,312
Payment$1,817
Save $82,057 over 30 years

Wells Fargo

Rate6.5% (APR=6.643%)
Points/ Credits$9,209
Payment$2,023
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, March 20, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.569%)
Points/ Credits$1,400
Payment$2,028
Save $66,951 over 30 years

Chase

Rate6.49% (APR=6.584%)
Points/ Credits$2,853
Payment$2,210
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, March 20, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.524%)
Points/ Credits$1,215
Payment$2,555
Save $64,350 over 30 years

Citibank

Rate6.125% (APR=6.235%)
Points/ Credits$1,125
Payment$2,734
Save $0 over 30 years

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 Friday, March 20, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.537%)
Points/ Credits$814
Payment$1,136
Save $46,992 over 30 years

Bank of America

Rate6.5% (APR=6.742%)
Points/ Credits$1,726
Payment$1,264
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, March 20, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.526%)
Points/ Credits$1,015
Payment$1,987
Save $65,853 over 30 years

Guaranteed Rate

Rate6.275% (APR=6.594%)
Points/ Credits$4,228
Payment$2,161
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, March 20, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.542%)
Points/ Credits$736
Payment$908
Save $30,184 over 30 years

Better.com

Rate6.25% (APR=6.436%)
Points/ Credits$3,200
Payment$985
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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