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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Tuesday, November 11, 2025 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate5.75% (APR=5.774%)
Points/ Credits$832
Payment$1,867
Save $46,749 over 30 years

Wells Fargo

Rate6.25% (APR=6.415%)
Points/ Credits$10,501
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 Tuesday, November 11, 2025 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate5.75% (APR=5.809%)
Points/ Credits$910
Payment$2,083
Save $17,653 over 30 years

Chase

Rate6.125% (APR=6.204%)
Points/ Credits$2,853
Payment$2,127
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 Tuesday, November 11, 2025 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.536%)
Points/ Credits$786
Payment$1,136
Save $29,380 over 30 years

Bank of America

Rate6.125% (APR=6.36%)
Points/ Credits$1,726
Payment$1,215
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 Tuesday, November 11, 2025 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate5.625% (APR=5.635%)
Points/ Credits$374
Payment$2,015
Save $25,933 over 30 years

Guaranteed Rate

Rate5.9% (APR=6.23%)
Points/ Credits$4,347
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 Tuesday, November 11, 2025 - 9:51 AM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.536%)
Points/ Credits$629
Payment$908
Save $20,931 over 30 years

Better.com

Rate6% (APR=6.169%)
Points/ Credits$3,200
Payment$959
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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