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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Tuesday, October 28, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.546%)
Points/ Credits$1,635
Payment$1,817
Save $53,594 over 30 years

Wells Fargo

Rate6.125% (APR=6.289%)
Points/ Credits$9,509
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 Tuesday, October 28, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.581%)
Points/ Credits$1,855
Payment$2,028
Save $25,543 over 30 years

Chase

Rate5.99% (APR=6.067%)
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 Tuesday, October 28, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.375% (APR=5.4%)
Points/ Credits$552
Payment$1,120
Save $29,614 over 30 years

Bank of America

Rate6% (APR=6.221%)
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 Tuesday, October 28, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.524%)
Points/ Credits$945
Payment$1,987
Save $27,403 over 30 years

Guaranteed Rate

Rate5.8% (APR=6.094%)
Points/ Credits$4,228
Payment$2,054
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, October 28, 2025 - 2:01 PM (Pacific Time)

Loan Factory Logo
Rate5.375% (APR=5.4%)
Points/ Credits$441
Payment$896
Save $16,439 over 30 years

Better.com

Rate5.75% (APR=5.954%)
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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